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Getting cheap term life insurance
Many people considering life cover will look for cheap term life insurance, because it is probably the simplest and least expensive way to protect their partner's and family's financial future in the unfortunate event of their death.
If you have...
How to Lower Your Life Insurance Premiums
In the world today when human health and life are extremely
precarious, getting a health insurance becomes mandatory for
every individual. Health insurance can be of immense benefit in
the hours of need. It brings requisite money at your...
The Easy Way To Buy Insurance
We all know the importance of having the right insurance whether it’s Health, Home, Life, Auto or Long Term Care. We also know that there are many different types of policies and just as many different prices. Who doesn’t want to think that they are...
Tips to Save on Car Insurance
NEWS RELEASE Contact: Jordan Walt, (503) 653-8287 A.I.C. Insurance Agency Offers Tips to Help You Save on Auto Insurance Milwaukie, OR 2/18/2005 – Purchasing the auto insurance that is right for you can be confusing, especially for first-time...
What is Life Insurance?
Life insurance protects you and your family from economic hardship as a result of death. It is an insurance company’s obligation to pay the recipient of your choice a pre-determined amount of money when you die in exchange for timely payment of...
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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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