Everyone, even healthy people are experiencing a rise in the cost of their premiums.
In this economy a lot of us are struggling and trying hard to make our dollar stretch.
As more and more of us work harder to make ends meet, the price of the health premiums still continue to rise with no apparent reason.
Here are a few tips to help keep the rates low.
Tip #1 - Make sure that the coverage you're carrying, is what you need and what you will use.
If you aren't pregnant or don't plan on becoming pregnant then obviously you don't need maternity coverage.
You can always go back and add it on later if something comes up.
Also make sure that things like chiropractic and other care that you might not want or use, make sure that you're not paying for that if you don't want it, don't pay for it.
Look over the things that your paying for and make sure you knock off anything that you think you don't want or won't use.
That can and will save you money.
Tip #2 - Raising your deductible can lower your premiums.
The deductible is the amount of money that you pay until the insurance kicks in and begins paying.
So the higher the deductible is, the less the insurance company pays.
Tip #3 - When you visit your doctors pay them cash.
When you pay them in cash, you save them money.
In return, they don't have to pay the credit card fees and such.