Saving Money, Health Insurance: Tips and Tricks for Atlanta residents
Atlanta health insurance costs are on a roll. Medical care costs are flying through the roof and the sub-prime and housing market crises have hit where it hurts. Atlanta seems headed for a spell of recession. In this scenario, if you fall sick and do not have adequate medical insurance, there will be hell to pay. Therefore, it makes sense to buy medical insurance coverage for you and your family. Here are a few nifty insurance planning tips on how to save money on healthcare insurance:
- If you are in good group health plan, opt for an Atlanta health insurance policy that features a high deductible. The deductible is the amount that you have to bear and a higher deductible translates to a lower premium.
- You may already have purchased a group Atlanta health insurance plan, but don't let that stop you from comparing it with newer plans and group offers. Insurance is a competitive business and companies keep coming out with better quotes and attractive plans. Even when you are taking your first health insurance plan, always make it a point to compare rates with different plans. Here's a rider though: Cheapest is not always the best – you must opt for an Atlanta health insurance plan that fits your medical needs and provides quality healthcare.
- A group or family plan costs less than an individual Atlanta health insurance plan and shelters your family against rising healthcare costs. Keep that in mind while buying your plan. Always compare rates and quotes.
- Every group Atlanta health insurance plan offers some freebies in the form of check-ups, diagnosis services, etc. Make full use of all these free services.
- If you have been smoking for over a year, you will have to pay a higher premium. Do try to quit smoking – your heart will get healthier and your health insurance premiums lower. If you are a smoker and plan to quit, then run a check with your insurance company and find out if they lower premiums for people who quit smoking.
- Keep a record of all your medical bills and claims and remember to play by the rules.
- Ask your doctor/pharmacist to prescribe generic drugs. These will help you bring down your overall healthcare costs.
- Open a group F HSA (Health Savings Account) for saving up on your healthcare in the future. HSA accounts carry tax benefits and help out just in case you are not covered by Atlanta health insurance. Having said that, let us also emphasize that Atlanta health insurance is an absolute must in today's vulnerable world.
- If all this confuses you, speak to an Atlanta health insurance agent and clarify all your doubts.
- Finally, exercise and include a healthy diet in your lifestyle. These will keep you healthier and good health translates to lower insurance premiums, no illnesses and of course, a longer life.