health insurance deductible calculator
health insurance deductible calculator
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What You Can Do to Make Sure Your Getting the Best Health Insurance Rates for You
There are a few things that are crucial and indispensable if you want to lower your health insurance cost to the lowest possible rate. Some things you can adjust in your own life and in your policy.
1. Knowledge plays a big role in reducing your rate while getting the right coverage. Shop around, get quotes from multiple companies and have someone in the company explain the benefits in laymen’s terms. You may find that the wording of some benefits make it sound like you can’t live without that particular coverage when in fact there is no possibility of you ever needing to use it.
2. Understand your body. You don’t have to go to school to be a doctor but it’s always wise to research your own health. Knowing yourself will allow you to be able to select the coverage plan you need for future claims. If you sit at a desk 7-8 hours a day and eat a cheeseburger for every meal it shouldn’t take a doctor to tell you that something is going to break. There are many book, websites and health companies (like Jenny Craig) that you can go to that will give you good advice on how to take care of your body and help you avoid most health issues we suffer from today. Did you know that the Bible even tells us how to take care of our body’s?
3. Do the math. You may be able to lessen your coverage or opt out of certain plans completely when you calculate the doctor visits, premiums, deductibles, and so on. If you are a healthy person with a solid healthy family history and only want to be covered in case of emergency, you can lower your health insurance cost by purchasing an Emergency Room coverage plan. And all the money you save by not paying for a health insurance plan you would never use can go to building up your savings.
When you need to make a quick doctors visit you can just pay that bill from what you’ve saved which on average a normal doctor’s bill in total is about the same amount as two months of an average insurance plan but most of the time is less. For example let’s say you pay $200 a month for a health insurance plan and you only go to the doctors once a year for a checkup. If you switch to an emergency room plan that only costs you $50 a month you save $150 a month. Put that in savings for 12 months and you will have $1800 minus one doctors visit bill of $400 and a grand total of $1400 still in savings that you can invest or play with.
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Is Pres. Obama’s healthcare plan going to hurt middle class Americans more than help?
A family of four headed by a 45-year-old making $63,000 a year is in the middle of the middle class. But that family would pay $7,110 to buy its own health insurance under the plan from the committee chairman, Sen. Max Baucus, D-Mont.
The family would get a tax credit of $3,970 to help pay for a policy worth $11,080. But the balance due — $7,110 — is real money. Maybe it’s less than the rent, but it’s probably more than a car loan payment.
Kaiser’s calculator doesn’t take into account co-payments and deductibles that could add hundreds of dollars, even several thousand, to a family’s total medical expenses. A Congressional Budget Office analysis estimates total expenses could average 20 percent of income for some families by 2016.
Here is the entire AP article:
http://news.yahoo.com/s/ap/20091004/ap_on_go_co/us_health_care_affordability
It’s just another method of making reparations to all the folks who won’t work. He wants to take money from the working class and give it to the do-nothings. Impeach him today!
