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AARP Dental Insurance
If you have never heard of AARP dental insurance then now is
your chance to learn about the best dental insurance available
to you today. AARP dental coverage is one that offers their
clients many great advantages and benefits. This company...
Bread, Milk and Car Insurance
With increased competition between supermarkets to gain market share and improve profitability, the range of products on offer is getting ever diverse. Now, the big three chains, Tesco, Sainsbury’s and Asda have caught on to the fact that their...
Disability insurance 101- What You Absolutely Need to Know
Disability insurance is the mutual agreement between the policy provider and the beneficiary in which the provider agrees to pay a certain amount of money to the beneficiary on certain unexpected event leading to a disability, which incapacitates...
Eleven Money-Saving Auto Insurance Tips for Senior Drivers
Like all drivers, senior citizens (or as I like to call them “seasoned citizens”) want to get the best rates on their auto insurance policies. What they may not be aware of is that older drivers may present a higher risk than other drivers, usually...
Term Life Insurance on Your Business Partner
Life insurance is something we often take out to protect our family and our loved ones, but that's only one example of how life insurance can save us in unhappy circumstances. Businesses also need protection and those with partners realize that if a...
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Beat Your Competition By Controlling The Cost Of Your Health Insurance
As many of us expect, the New Year will bring both tremendous challenges and opportunities for all of us both personally and professionally. Employers continue to face the major challenge of controlling the cost of their health insurance and other employee benefit programs. Organizations that can best get a handle on the cost of their employee benefit programs have an excellent opportunity to gain an advantage over their competition.
What are some practical ways to control the cost of your health insurance? Here are a few suggestions:
1) Investigate all of your traditional and consumer directed health plan options. Many companies are easing into consumer directed plans by offering them as part of a "dual choice" program.
2) Out of network benefits. If your PPO network has adequate access to network providers, plan designs that strongly encourage the use of preferred providers save premium and claim dollars while the insured still gets the needed care at a discounted rate.
3) Prescription
drug coverage. Rx plans that encourage the use of generics and require mandatory mail order for maintenance medications are an efficient use of your benefit dollars.
4) Encourage wellness. What is the old saying? An ounce of prevention is worth a pound of gain.
5) Consumerism. Access to the tools necessary to be a “good” healthcare consumer will allow individuals to get the best care at the best price.
If you do not have time to personally handle the suggestions made above, consider enlisting the services of an independent insurance broker that specializes in designing and evaluating health plan options. A good insurance broker should be able to save you time, money, and ultimately serve as a trusted resource for plan recommendations now and in the future.
About the Author
Michael Ertel is the founder of http://www.MedicalInsuranceNow.com which is a website that assists individuals and small business owners by providing side by side comparisons of health insurance alternatives.
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