While going without health insurance might be fine when you’re healthy, it’ll be a big problem if you’re in an accident or develop a serious health problem. Having a proper health insurance policy is key to keeping yourself healthy, so read on to find tips which will help you secure the coverage you need for a great price.
An individual buying a health policy typically costs much more than going with a group policy; keep that in mind and plan accordingly. You may find yourself needing to plan for a higher deductible or reduced coverage to bring your policy cost down. Shop around, and compare plans to find the best rates and coverage.
Pay attention to which prescriptions are covered under your policy. Sometimes health insurers change the medications they will cover, so each year when you re-enroll, review the terms carefully. If you take a medication daily that is not covered anymore by your insurer, you may need to find a new insurance company — fast.
Look to catastrophic coverage instead of comprehensive coverage if you are looking for cost savings on your insurance. Comprehensive covers certain instances, but catastrophic covers emergency care and hospital visits, as well.
Despite the kind of coverage you’ve got, you can save money by getting generic drugs. In most cases, you can get generics, and generally there isn’t a difference between these and the brand names anyway.
Read your policy to ensure you know exactly which prescriptions are covered and which are not. The list of covered prescriptions changes annually, so it is important to be certain that your medication is still covered.
Health insurance is essential, because you don’t know when something bad is going to happen. Anything could happen, such as having a car accident, or suddenly getting sick. Apply the advice of this article to cover all your insurance bases and keep you and your family protected under any circumstances that may occur.
