10 Tips to Save on Healthcare Insurance -

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10 Tips to Save on Healthcare Insurance

10 Tips to Save on Healthcare Insurance

Americans shopping for their own healthcare insurance can substantially cut premiums by following 10 simple steps, according to leading insurers.

Answer Financial Inc. (http://www.answerfinancial.com), cites the following cost-saving measures:

Comparison shop

You can save money by comparison shopping and exploring various options such as higher deductibles. The lower your deductible, the higher your premium. Comparison shopping also allows you to determine the best cost-benefit value. For example, many plans cap coverage for serious illness so premiums may be lower than one with a high cap. Always compare benefits, deductibles and premiums and if you have a preferred physician, make sure that he or she is a participant in your plan.

Practice preventive care

Work out a schedule of preventive health screenings with your physician that are appropriate for your age and gender. Private screening companies offer a series of tests at low prices that can show if you need more intense screenings. The lower your medical bills, the lower your premiums will be, but don't skimp on the basics.

Take an active role in health care decisions

Take the time to build a good relationship with your doctor and participate actively in your care. Every test and drug has some risk involved, and some tests may be defensive medicine. Ask what will happen if you choose not to take a drug or have a test. Your doctor may be able to suggest alternatives that are less risky and costly.

Avoid hospitalization whenever possible

Over half of all health care costs are for hospitalizations. Consider outpatient services or same day surgery as alternatives to hospitalization. Today there are more and better alternatives to surgery; always do your research before any major medical procedure.

Understand health risks

Good lifestyle choices, such as regular exercise and consumption of vegetables and fruits, have proven to make a huge positive difference on health even when started in older years. Choices such as smoking, alcohol and drug use, and poor nutrition contribute to a higher risk for health problems.

Contribute to employer sponsored healthcare savings account (HSA)

These tax-protected accounts of up to $10,000 annually can cover everything from the cost of band-aids to co-payments on doctor visits. HSA's can be established by employers that only offer high-deductible healthcare insurance ($1,000 and over). HSA legislations went into effect last year and more employers are expected to set these up as a way to decrease insurance costs and offer a tax benefit for their employees.

Know what your medical benefits cover

Carefully study the medical benefits of various plans and always compare before you purchase. If you have a managed care plan, know about the plan's grievance procedure and use it if you don't feel you are getting adequate care. ? do not be afraid to ask questions

Save the emergency room for emergencies

Emergency room charges can be much more costly than a doctor's visit. These visits will also drive up your premium.

Check your hospital and doctor bills carefully

Billing errors are a common occurrence. Notify your hospital and health plan promptly when errors are found.

Try home remedies first

Eight out of 10 health problems can be treated at home. Make sure you have good first aid equipment on hand such as antibiotic cream and various size bandages. When you feel a cold coming on, try rest and over-the-counter treatments. By doing a good job of self-care, you can lower your health care costs by reducing doctor visits.

For more information, go to http://www.answerfinancial.com.

Steve Kroll is senior vice president of marketing at Answer Financial, Inc. (http://www.answerfinancial.com). An acknowledged expert in consumer marketing, he has more than 17 years of experience as an executive in the financial services industry including six as president of his own consulting firm, The Kroll Group, Inc., which specialized in retail financial products and payment systems. Its client base included affinity groups, Fortune 500 companies, management consulting firms and advertising agencies. Kroll's marketing accomplishments include developing insurance and investment product offerings for Charles Schwab, Citibank, Household International and The Signature Group. He also has created multiple-useage incentive and retention programs for some of the nation's leading credit card issuers and developed new lifestyle-and affinity-related credit cards that delivered an above-average response and usage rate. Kroll has also assisted in the development and marketing of Internet-based financial services for Wells Fargo, NYCE and American Skandia.

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table border=0 width= valign=top cellpadding=2 cellspacing=7trtd width=80 align=center valign=topfont style=font-size:85%;font-family:arial,sans-serifa href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.reuters.com/article/newsOne/idUSTRE4965LE20081007cid=1255287470ei=t1bsSNdMpeDqA4n15K0Fusg=AFQjCNFDZdbzHHu4jj5TvFUK9pENeyGdfgimg src=http://news.google.com/news?imgefp=8cWRVnPaQmEJimgurl=www.reuters.com/resources/r/%3Fm%3D02%26d%3D20081007%26t%3D2%26i%3D6283896%26w%3D192%26r%3D2008-10-07T145318Z_01_BTRE49613KY00_RTROPTP_0_US-FINANCIAL-GREENBERG width=80 height=53 alt= border=1brfont size=-2Reuters/font/a/font/tdtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://ap.google.com/article/ALeqM5hOsN_qL-c8hjW8BvU160ZYwhYB8AD93LSV480cid=1255287470ei=t1bsSNdMpeDqA4n15K0Fusg=AFQjCNG6IbAL7YRwle53IYADPtZy8kEF4wUnregulated swaps hastened Wall Street collapse/abrfont size=-1font color=#6f6f6fThe Associated Pressnbsp;-/font nobr9 hours ago/nobr/fontbrfont size=-1These swaps are increasingly being blamed for the near-collapse of binsurance/b giant American International Group Inc., the bankruptcy of investment bank b.../b/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.canadianunderwriter.ca/issues/ISArticle.asp%3Fid%3D90510%26issue%3D10072008cid=1255287470ei=t1bsSNdMpeDqA4n15K0Fusg=AFQjCNEyzGFl_BbwDE7QWw0AViVqZWws-wNew York binsurance/b regulator calls for regulation of credit b.../b/a font size=-1 color=#6f6f6fnobrCanadian Underwriter/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://online.wsj.com/article/SB122339667401411723.html%3Fmod%3Dgooglenews_wsjcid=1255287470ei=t1bsSNdMpeDqA4n15K0Fusg=AFQjCNF0RiA8nl5uyej6TD3MeNR-iMcclwGreenberg Says Federal Loan to AIG Is Bad Deal/a font size=-1 color=#6f6f6fnobrWall Street Journal/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.huffingtonpost.com/deborah-senn/aig-executives-win-record_b_132739.htmlcid=1255287470ei=t1bsSNdMpeDqA4n15K0Fusg=AFQjCNGoqJRVpfq1IKkc3_JlKyP7BLs3yQAIG Executives Win Record Government Bailout: Next Stop, Disneyland/a font size=-1 color=#6f6f6fnobrHuffington Post/nobr/font/fontbrfont size=-1 class=pa href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.rttnews.com/Content/TopStories.aspx%3FNode%3DB1%26Id%3D733884%26Category%3DTop%2520Storiescid=1255287470ei=t1bsSNdMpeDqA4n15K0Fusg=AFQjCNHdNQs4hcnYgekJvUHbATPp00Iz_AnobrRTT News/nobr/anbsp;- a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.1520kokc.com/nationalnews/Channels/Story.aspx%3FID%3D1031317cid=1255287470ei=t1bsSNdMpeDqA4n15K0Fusg=AFQjCNHjPKjenksukUZIK3nb0rLvFbgVmwnobrKOKC/nobr/a/fontbr/font class=p size=-1a class=p href=http://news.google.com/news?sourceid=navclientie=ISO-8859-1rls=GGLG,GGLG:2005-22,GGLG:enncl=1255287470hl=ennobrall 282 news articles/nobr/a/font/div/font/td/tr/table

table border=0 width= valign=top cellpadding=2 cellspacing=7trtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.iht.com/articles/ap/2008/10/07/business/NA-US-FDIC-Insurance-Fund.phpcid=1255380748ei=t1bsSNdMpeDqA4n15K0Fusg=AFQjCNEV9bNt0ShSCgdqGYZGJjVUfL46yQFDIC chair seeks higher bank fees to boost deposit binsurance/b fund b.../b/abrfont size=-1font color=#6f6f6fInternational Herald Tribune,nbsp;Francenbsp;-/font nobr16 hours ago/nobr/fontbrfont size=-1Federal Deposit bInsurance/b Corp. Chairman Sheila Bair is making the proposal at a meeting of the agency#39;s board. It calls for higher-risk institutions to pay b.../b/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.signonsandiego.com/news/business/20081006-1500-meltdown-fdic-bair.htmlcid=1255380748ei=t1bsSNdMpeDqA4n15K0Fusg=AFQjCNFDdMka_QGIcqJ2ilcuq0aq5959cwFDIC head promises no taxpayer cost in borrowing/a font size=-1 color=#6f6f6fnobrSan Diego Union Tribune/nobr/font/fontbrfont class=p size=-1a class=p href=http://news.google.com/news?sourceid=navclientie=ISO-8859-1rls=GGLG,GGLG:2005-22,GGLG:enncl=1255380748hl=ennobrall 131 news articles/nobr/a/font/div/font/td/tr/table

table border=0 width= valign=top cellpadding=2 cellspacing=7trtd width=80 align=center valign=topfont style=font-size:85%;font-family:arial,sans-serifa href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.clevelandleader.com/node/7133cid=1255130591ei=t1bsSNdMpeDqA4n15K0Fusg=AFQjCNHGpEeJDDTVdpxsIpJjO77yrQmQjgimg src=http://news.google.com/news?imgefp=9fjGS9ItoFcJimgurl=www.clevelandleader.com/files/bereawinds.jpg width=80 height=74 alt= border=1brfont size=-2Cleveland Leader/font/a/font/tdtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://ap.google.com/article/ALeqM5g4CzTHwiZ1SGyicg_l4BI5SlqTLwD93LUP4G0cid=1255130591ei=t1bsSNdMpeDqA4n15K0Fusg=AFQjCNEMP_BGOTH7tvBdBtV8UQLptVeXtgIke windstorm costs insurers $550M in Ohio damages/abrfont size=-1font color=#6f6f6fThe Associated Pressnbsp;-/font nobr7 hours ago/nobr/fontbrfont size=-1COLUMBUS, Ohio (AP) — Winds from Hurricane Ike will cost binsurance/b companies at least $553.1 million to cover property damage and other losses in Ohio, b.../b/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.bizjournals.com/cincinnati/stories/2008/10/06/daily23.htmlcid=1255130591ei=t1bsSNdMpeDqA4n15K0Fusg=AFQjCNGPnRrY1yReN5ZgQ9yLsnKS53kJvgHurricane Ike: Ohio damage tops $550 million/a font size=-1 color=#6f6f6fnobrBizjournals.com/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.ohio.com/news/30610049.htmlcid=1255130591ei=t1bsSNdMpeDqA4n15K0Fusg=AFQjCNFWrDBYFsY9I4_kvxLLWvLzzoenNgWind damage in Ohio tops $550 million/a font size=-1 color=#6f6f6fnobrAkron Beacon Journal/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://dispatch.com/live/content/local_news/stories/2008/10/07/ikedamage.html%3Fsid%3D101cid=1255130591ei=t1bsSNdMpeDqA4n15K0Fusg=AFQjCNG2_xv_PqZOJ_SVB3QC_vEOfndMKQDamage in Ohio from Hurricane Ike at $553 million and counting/a font size=-1 color=#6f6f6fnobrColumbus Dispatch/nobr/font/fontbrfont size=-1 class=pa href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://news.cincinnati.com/article/20081007/BIZ01/310070046cid=1255130591ei=t1bsSNdMpeDqA4n15K0Fusg=AFQjCNGD0DhoOZZ9LpYDHQvLsfY7iJup2gnobrCincinnati.com/nobr/anbsp;- a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.clevelandleader.com/node/7133cid=1255130591ei=t1bsSNdMpeDqA4n15K0Fusg=AFQjCNHGpEeJDDTVdpxsIpJjO77yrQmQjgnobrCleveland Leader/nobr/a/fontbr/font class=p size=-1a class=p href=http://news.google.com/news?sourceid=navclientie=ISO-8859-1rls=GGLG,GGLG:2005-22,GGLG:enncl=1255130591hl=ennobrall 122 news articles/nobr/a/font/div/font/td/tr/table

table border=0 width= valign=top cellpadding=2 cellspacing=7trtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://newsblogs.chicagotribune.com/triage/2008/10/what-if-i-get-s.htmlcid=1255365038ei=t1bsSNdMpeDqA4n15K0Fusg=AFQjCNH4YRjxFOtLiL2fxmXtF1MtA94MBgWhat if I get sick and need binsurance/b? The candidates#39; proposals/abrfont size=-1font color=#6f6f6fChicago Tribune,nbsp;United Statesnbsp;-/font nobr7 hours ago/nobr/fontbrfont size=-1What will happen to me if I get sick and need health binsurance/b? What if I lose my job in this unsettled economy and then find out I have cancer? b.../b/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.wcax.com/Global/story.asp%3FS%3D9138115%26nav%3D4QcScid=1255365038ei=t1bsSNdMpeDqA4n15K0Fusg=AFQjCNGiwCpn_e5m_TUhbIoZcORU4wpT_wReport: Health care major part of NH economy/a font size=-1 color=#6f6f6fnobrWCAX/nobr/font/fontbrfont class=p size=-1a class=p href=http://news.google.com/news?sourceid=navclientie=ISO-8859-1rls=GGLG,GGLG:2005-22,GGLG:enncl=1255365038hl=ennobrall 6 news articles/nobr/a/font/div/font/td/tr/table

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