Finding cheap health insurance is a problem for almost everyone.
Sometimes it seems as if there isn't such a thing as cheap health coverage any more.
While medical coverage may not be as cheap as it once was, there are still specific steps that almost everyone can take that will greatly reduce the cost of plans.
Find a group policy rather than individual health coverage.
If your place of work doesn't offer group rates, check with any groups or clubs or organizations or associations that you belong to; many offer their members low-cost group medical coverage.
If you don't belong to a group or organization that offers its members group health insurance then maybe one of your friends or family members belongs to such a club.
If so, join.
You've probably heard this before, but that doesn't make it any less true: change your diet and start exercising.
Stop eating fast food except on rare occasions - and when you do, don't order the fried foods.
Eat more vegetables and eat an apple a day.
Get a little exercise as well.
You don't need to join a gym and you don't need to pull out your credit card the next time you see an infomercial with the latest and greatest exercise gizmo.
Just ride a bike three times a week - or walk around the block a couple of times.
Join one of those groups that walk around the mall every morning.
As the billboards say...
just get out and DO.
If you're overweight you're going to have to make an effort to shed a few pounds if you're serious about getting cheap health premiums.
You are going to be asked about your BMI - your Body Mass Index.
The higher your Index number the higher your monthly premium.
The good news is that sometimes just losing a few pounds will let you drop a notch down on the insurance company's BMI scale, and if that happens then you will save money for years to come.
So make the effort - it could very well pay off in cash saved.
Can you afford to increase your co-payment to 50% whenever you see your doctor?A 50% co-pay will save you money every month on premiums - and if you don't see your doctor on a regular basis could be just the thing you need to save money.
Don't take part in extreme or dangerous sports or other activities.
And did you know that the car you drive can affect how much you pay every month?If you drive a fast and sporty car or if you drive a fast muscle car you could end up paying more for your coverage.
Don't smoke and don't use chew.
There's really not much to say about this - just that if you are truly serious about getting cheap health premiums then you'll give up tobacco products.
Period.
If you have a home based business it is possible that you could qualify for group rates even if you don't have any employees except for your spouse.
It is also possible that a portion of your premiums could be tax deductible - saving you money on taxes each year.
Increasing your deductible always lowers your cost.
Figure out what the largest deductible you can afford is - and then go for it.
Now it's time to take everything you have learned from this article and go to 3 of the websites that let you make side-by-side price comparisons of health plans from different companies.
Fill out the forms on all three sites using the exact same information each time so that you are always comparing the same policy.
When you've finished that you're basically done.
Just look at all of your results and choose the lowest-priced policy you find.
Doing your homework (reading this article) and then making comparisons on at least 3 different websites is how to get cheap health insurance online in Louisiana.
Sometimes it seems as if there isn't such a thing as cheap health coverage any more.
While medical coverage may not be as cheap as it once was, there are still specific steps that almost everyone can take that will greatly reduce the cost of plans.
Find a group policy rather than individual health coverage.
If your place of work doesn't offer group rates, check with any groups or clubs or organizations or associations that you belong to; many offer their members low-cost group medical coverage.
If you don't belong to a group or organization that offers its members group health insurance then maybe one of your friends or family members belongs to such a club.
If so, join.
You've probably heard this before, but that doesn't make it any less true: change your diet and start exercising.
Stop eating fast food except on rare occasions - and when you do, don't order the fried foods.
Eat more vegetables and eat an apple a day.
Get a little exercise as well.
You don't need to join a gym and you don't need to pull out your credit card the next time you see an infomercial with the latest and greatest exercise gizmo.
Just ride a bike three times a week - or walk around the block a couple of times.
Join one of those groups that walk around the mall every morning.
As the billboards say...
just get out and DO.
If you're overweight you're going to have to make an effort to shed a few pounds if you're serious about getting cheap health premiums.
You are going to be asked about your BMI - your Body Mass Index.
The higher your Index number the higher your monthly premium.
The good news is that sometimes just losing a few pounds will let you drop a notch down on the insurance company's BMI scale, and if that happens then you will save money for years to come.
So make the effort - it could very well pay off in cash saved.
Can you afford to increase your co-payment to 50% whenever you see your doctor?A 50% co-pay will save you money every month on premiums - and if you don't see your doctor on a regular basis could be just the thing you need to save money.
Don't take part in extreme or dangerous sports or other activities.
And did you know that the car you drive can affect how much you pay every month?If you drive a fast and sporty car or if you drive a fast muscle car you could end up paying more for your coverage.
Don't smoke and don't use chew.
There's really not much to say about this - just that if you are truly serious about getting cheap health premiums then you'll give up tobacco products.
Period.
If you have a home based business it is possible that you could qualify for group rates even if you don't have any employees except for your spouse.
It is also possible that a portion of your premiums could be tax deductible - saving you money on taxes each year.
Increasing your deductible always lowers your cost.
Figure out what the largest deductible you can afford is - and then go for it.
Now it's time to take everything you have learned from this article and go to 3 of the websites that let you make side-by-side price comparisons of health plans from different companies.
Fill out the forms on all three sites using the exact same information each time so that you are always comparing the same policy.
When you've finished that you're basically done.
Just look at all of your results and choose the lowest-priced policy you find.
Doing your homework (reading this article) and then making comparisons on at least 3 different websites is how to get cheap health insurance online in Louisiana.
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