Five Ways To Save Money On Health Insurance
Affordable Illinois health insurance is not a luxury, it's a necessity. Medical expenses nationwide are soaring higher than any other household expense, and the costs are out of control. But have you really taken the time to get to know what your policies cover? Knowing exactly what your healthcare options are is the key to savings.
Get into the habit of doing your insurance homework, because just as there are a variety of health insurance plans available to meet your needs, each one offers a variety of unique ways to save money.
Five Ways to Find the Deal That is Right For You
1. Take Advantage of Free Health Screenings and Practice Prevention: One of the easiest ways to lower your medical expenses over the long term is to establish and maintain a healthy lifestyle. Walgreen's and CVS offer many reduced cost, or free programs such as immunizations for children, blood pressure checks, colon cancer screenings, and flu shots fot those at risk.
- Exercise regularly and maintain a healthy weight. Celtic is among many health insurance plans which offers a discount if you are a health club member.
- Stop smoking and kick those other unhealthy habits. Unicare offers smoking cessation programs with many of their Illinois health insurance plans.
- Take advantage of any wellness programs or regular checkups your health plan may offer. Both BCBSIL, and UniCare offer Wellness programs with their Illinois health plans.
- Take advantage of other free health services. Your neighborhood clinic or hospital may provide a variety of free screenings from monitoring cholesterol levels and blood pressure to providing mammograms. Stop by your local Walgreen's or CVS pharmacy for more information on programs in your area.
2. Let Medequote Shop Around: To get the best available Illinois health insurance for a price you can afford, you need to comparison shop. Premiums can vary widely, so getting quotes from a variety of carriers identifies savings. Take each plan's exclusions and limitations into account as you weight its coverage and features. Know what your co-payment levels, coinsurance rates, and yearly deductibles will be. Medequote offers selection from all of Illinois's A Rated carriers.
3. Cut the Cost of Your Prescriptions: If your state allows it, try ordering your prescriptions via mail or from Canada it's not unheard of to get a 3-month supply of a prescription through the mail for about the same price you'd pay for a 1-month supply at your local pharmacy. Ask your pharmacist to recommend less expensive generic drugs. Medequote offers a Canadian pharmacy service which are clients who do not have immediate drug coverage in their health plans are using to dramatically lower their drug expenses.
4. Keep Track of Your Medical Expenses: When tax time rolls around, you might be able to deduct a variety of your medical expenses if you file an itemized return. Eligible medical expenses can include an assortment of medical aids (hearing aids, contacts, eyeglasses, etc), regular healthcare services and more. Keep careful records of such purchases to deduct them.
5. Contribute to a Health Savings Account: You can deduct the entrie amount of the top of your income if you have a HDHP HSA qualifying health plan. Medequote offers many options from qaulatiy insurers like Celtic, Assurant, Humana, World, BCBSIL, and UniCare.
Give us a call at 800-391-7469 for more information.
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