Affordable Health Insurance Coverage
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   If you are searching for ways to lower your
health insurance costs here are some tips to start with...
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• Coordinate your family's health insurance plans.
     You certainly don't want to be paying duplicate for the same coverage for any particular service so scour through your health insurance policies and make sure you only pay once...you can bet your insurance company won't tell you this.
• Pick the health insurance plan that gives you the most bang for your buck.
     The cheapest plan may not necessarily be the best value. If you're young and healthy, you might want to go for lower premiums and higher co-pays. But if you're older, have a chronic health condition, or have young children who make frequent visits to the doctor, you're probably better off with higher premiums and lower CO-pays
• Know your health insurance plan's rules. Then follow them.
     Remember, if you don't follow the rules, your insurer can deny your claim and you'll wind up getting stuck with the bill. For example, is your allergist included in your health plan's network of doctors or do you need pre-authorization for outpatient surgery.
      Always double-check whether the benefits, services, or providers you need are covered under your plan before you receive treatment. Do this by calling your plan's customer-service department. Then follow through by obtaining any necessary authorizations or by scheduling treatment with a doctor within your insurer's network of providers.
• Plan ahead for emergencies.
     If an emergency arises in the middle of the night and you don't know which hospitals in your immediate area are included in your health plan then you may be paying out of pocket for those emergency services and putting yourself or your loved ones at risk. Make sure you have the information available (near your phone) where to call for help or where to take someone in an emergency situation. You are paying the premiums get the most out of them.
     Another factor to consider is if any of your family's doctors' offices are open on nights or weekends, their hours, and the co-payment for an after-hours visit. Although an after-hours visit may cost you more than a visit during regular business hours, it is probably cheaper - not to mention less stressful - than a trip to the emergency room. An emergency room visit can cost you a $50 to $100 CO-payment
• Cut your pharmacy costs.
     Most health plans have a three-tier CO-payment system for prescription drugs. On the high end typically the named brand drugs cost the most. The middle tier consists of drugs your health insurer considers to be "cost effective". The cheapest tier would includes generic drugs. Typically, you could realistically lower your pharmacy cost by $10 to $40 per prescription by asking your doctor to prescribe you drugs that belong in the first two tiers.
     Another possibility is to ask your doctor the viability and safety of "splitting pills". This is where your dosage for a particular medication is 50 mg per day so you ask your doctor to prescribe the 100 mg tabs and you split them. NOTE: You must consult with your doctor on this as some medications require exact dosing and splitting can be very dangerous.
• Take advantage of tax breaks.
     Some of the most used health care services actually qualify for tax breaks. Dental and vision care count as reimbursable medical expenses under FAA arrangements, so don't forget to save your receipts for these services. FAA, flexible spending accounts, are very popular employer-sponsored accounts that offer you ways to pay for certain out-of-pocket health care or dependent care costs on a pretax basis.
     Other models to look into are health reimbursement arrangements (HRAs), and medical savings accounts (MSAs) - known collectively as health care spending accounts.
• Quit smoking.
  If you live in New York and have a one-pack-a-day habit you will immediately save $7.50 per day ($218 per month). The lifetime health care costs for smokers (who live shorter lives) vs. nonsmokers (who tend to live longer lives) is one third higher on average. This, of course, drives up the cost of health care to everyone, not just lifetime smokers. One study puts the direct health-care costs associated with smoking as being in excess of $16 billion per year.
• Lose weight.
     Carrying excessive weight will add to your health care costs in a number of ways. You may simply not qualify for health care because of obesity and this could bankrupt you if a catastrophic event occurs and you have to pay out of pocket. For example, according to a March 2002 Rand Corp. study, being obese adds $395 each year to your average $1,500-per-year health care costs, more than smoking (an addition of $230), aging 20 years ($225), and problem drinking ($150).
     By applying a standard like the BMI (Body-Mass Index) which is an individuals weight divided by height squared, it has been determined that 1 in 3 Americans is overweight and 1 in 5 are obese. Between 1991 and 2000, obesity in the US rose 60 percent while smoking rates have been cut roughly in half since 1964. This means that health care costs will continue to rise as these ratios remain constant.
  
• Exercise more.
     The benefits of exercising are always compound. You gain better energy, self-esteem, emotional stability and your weight will stabilize and begin to normalize over time. This can literally change your life and all ways. Many studies show it's never too late to start exercising and that even small improvements in your fitness level can improve your health and longevity.
  
• Seek out free or low-cost health screenings, checkups, and services.
     If your HMO offers free blood pressure checks, take advantage of these lifestyle programs to help you stay healthy and reduce your doctor visits and medications. Do they offer Low-cost flu costs or nutrition, dieting, and physical fitness classes? These are valuable programs that not only help to optimize your health and pocket book but also feeds data to the HMO organization and allows them to monitor their memberships overall health.
  
• Raise your deductible or CO-payment
     Whenever possible and financially practical, lower your monthly health insurance premium by raising your deductible or CO-payment But make sure that you have money saved to cover the deductible.
  
• Haggle with your Doctor.
     Believe it or not, you can still negotiate prices with your doctor. There's nothing new about people asking for discounts on medical treatments - there's a long history of patients negotiating with their providers for lower prices on elective procedures, such as laser vision surgery or psychotherapy. Establish the price that you believe is reasonable and stick to it.
  
• Search for a subsidy.
     If you are in a low-income situation, uninsured, or disabled, you may qualify for low-cost health insurance through a state or federal program such as Medicaid or Medicare.

   HealthInsureCoverage.com offers our visitors information regarding their health insurance needs with state by state policy rates and info. We offer information from specific to general but you will ultimately need to consult with your health care provider or doctor for assistance. If you're looking for health care insurance rates in California then you will need to understand how the state handles it's vast health care system.

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