Purchasing a health insurance plan in Honey Brook can be a major expense if you’re self-employed or your job doesn’t offer health insurance for its employers. Luckily, there are some simple ways to negotiate a more affordable quote on Health Insurance Honey Brook. If your medical costs are too expensive to handle, try using these smart tactics to reduce your costs while maintaining adequate coverage.
Consider a High-Deductible Plan
If you’re relatively healthy, it can be worth your while to make the switch to a high-deductible health care plan. These plans, which typically require an annual deductible of at least $1,000, are a great cost-saving measure for those who make infrequent trips to the doctor. However, if you suffer from a chronic illness that requires constant medical care, a high-deductible plan probably won’t be a good strategy for you.
Schedule An Annual Check-Up or Physical
Visiting your doctor at least once a year for a check-up or physical is a proactive way to cut health insurance costs. Annual check-ups often lead to the early diagnosis of many health issues that can lead to major expenses down the road if they don’t receive prompt treatment. For example, it’s far better for your health and your wallet to discover you’re pre-diabetic at an inexpensive annual check-up than it is to treat the full-blown diabetes that could have been avoided with dietary changes.
Kick the Habit
If you’re a smoker, you can expect to pay a lot more for Health Insurance Honey Brook. In fact, most statistics say that a cigarette habit can increase your insurance policy costs by as much as 50%. The longer you’ve been cigarette-free, the less you can expect to pay for your health insurance.
Shed Some Pounds
If you’re overweight, you will probably receive a higher insurance quote rate than your slender neighbor. Insurance companies consider overweight or obese customers risky candidates for Health Insurance Honey Brook because they are more likely to develop chronic and costly illnesses like heart disease and diabetes. Loosing the extra pounds can slash your health insurance costs. Plus, you’ll be doing something great for your health and appearance.
