Comments on: How Can I Lower My Health Insurance Costs? http://www.thehappyrock.com/2009/03/29/how-can-i-lower-my-health-insurance-costs/ Getting out of Debt, Getting off the Couch, and Getting into Life Sun, 29 Jan 2012 16:23:20 +0000 hourly 1 http://wordpress.org/?v=3.1 By: Ozkar http://www.thehappyrock.com/2009/03/29/how-can-i-lower-my-health-insurance-costs/comment-page-1/#comment-13633 Ozkar Fri, 13 May 2011 19:58:53 +0000 http://www.thehappyrock.com/?p=2100#comment-13633 Hello Barbara and all. I am in the Insurance industry and one of the alternatives employers and individuals have are: * Raising their deductibles * With part of those savings, get an indemnity policy that will pay to YOU in case of a medical event. It could be due to an accident or health related matter. It is important to be protected but sometimes budget make us be creative. I am in California and I am being to help a lot of people with some of the products I handle, at the end of the day it feels good to be of help. Hello Barbara and all.

I am in the Insurance industry and one of the alternatives employers and individuals have are:
* Raising their deductibles
* With part of those savings, get an indemnity policy that will pay to YOU in case of a medical event. It could be due to an accident or health related matter.

It is important to be protected but sometimes budget make us be creative.
I am in California and I am being to help a lot of people with some of the products I handle, at the end of the day it feels good to be of help.

]]> By: Peter http://www.thehappyrock.com/2009/03/29/how-can-i-lower-my-health-insurance-costs/comment-page-1/#comment-12206 Peter Thu, 22 Apr 2010 21:56:27 +0000 http://www.thehappyrock.com/?p=2100#comment-12206 You've done a nice job at showing readers the other side of the health insurance that they can actually participate in. That's great. At least, most individuals would learn that it takes two to tango instead of merely putting the blame on insurance companies alone. You’ve done a nice job at showing readers the other side of the health insurance that they can actually participate in. That’s great. At least, most individuals would learn that it takes two to tango instead of merely putting the blame on insurance companies alone.

]]> By: Jeffrey http://www.thehappyrock.com/2009/03/29/how-can-i-lower-my-health-insurance-costs/comment-page-1/#comment-11567 Jeffrey Sat, 07 Nov 2009 00:19:29 +0000 http://www.thehappyrock.com/?p=2100#comment-11567 It really would be nice if health insurance companies took into account healthy lifestyle decisions such as weight loss. So far this year I have lost 40lbs and feel so much better. I also added a light workout routine to help build muscle to consume more of those dreaded calories. Despite this, insurance rates are still very high. But as your tips suggested, I do have a customized health insurance plan. The plan is geared more towards accidental injuries, which is covered 100% without any deductible. This is a good route for people to go if they have young children and are in good health. It really would be nice if health insurance companies took into account healthy lifestyle decisions such as weight loss. So far this year I have lost 40lbs and feel so much better. I also added a light workout routine to help build muscle to consume more of those dreaded calories. Despite this, insurance rates are still very high. But as your tips suggested, I do have a customized health insurance plan. The plan is geared more towards accidental injuries, which is covered 100% without any deductible. This is a good route for people to go if they have young children and are in good health.

]]> By: And the Hits Just Keep on Coming…Escrow and Health Insurance :The Happy Rock http://www.thehappyrock.com/2009/03/29/how-can-i-lower-my-health-insurance-costs/comment-page-1/#comment-10802 And the Hits Just Keep on Coming…Escrow and Health Insurance :The Happy Rock Tue, 21 Jul 2009 03:12:23 +0000 http://www.thehappyrock.com/?p=2100#comment-10802 [...] thought about going about trying to find ways to lower the premium a little, but with us trying to get pregnant I also don’t want to upset the apple cart either.  So [...] [...] thought about going about trying to find ways to lower the premium a little, but with us trying to get pregnant I also don’t want to upset the apple cart either.  So [...]

]]> By: Warren P. Bonds http://www.thehappyrock.com/2009/03/29/how-can-i-lower-my-health-insurance-costs/comment-page-1/#comment-10509 Warren P. Bonds Sat, 27 Jun 2009 19:47:04 +0000 http://www.thehappyrock.com/?p=2100#comment-10509 I raised the deductable on my health insurance recently. I also exercise regularly and I don't pay that much for my insurance. I raised the deductable on my health insurance recently. I also exercise regularly and I don’t pay that much for my insurance.

]]> By: Allison http://www.thehappyrock.com/2009/03/29/how-can-i-lower-my-health-insurance-costs/comment-page-1/#comment-10277 Allison Tue, 09 Jun 2009 09:16:48 +0000 http://www.thehappyrock.com/?p=2100#comment-10277 I was just now searching around about this when I stumbled on your post. I’m just visiting to say that I very much liked seeing this post, it’s very clear and well written. Are you considering posting more on this? It looks like there is more fodder here for later posts. I was just now searching around about this when I stumbled on your post. I’m just visiting to say that I very much liked seeing this post, it’s very clear and well written. Are you considering posting more on this? It looks like there is more fodder here for later posts.

]]> By: The Festival of Frugality - Famously Frugal Edition | Ask Mr Credit Card's Blog http://www.thehappyrock.com/2009/03/29/how-can-i-lower-my-health-insurance-costs/comment-page-1/#comment-9302 The Festival of Frugality - Famously Frugal Edition | Ask Mr Credit Card's Blog Tue, 07 Apr 2009 23:34:15 +0000 http://www.thehappyrock.com/?p=2100#comment-9302 [...] The Happy Rock presents How Can I Lower My Health Insurance Costs?. [...] [...] The Happy Rock presents How Can I Lower My Health Insurance Costs?. [...]

]]> By: Barbara Waltz http://www.thehappyrock.com/2009/03/29/how-can-i-lower-my-health-insurance-costs/comment-page-1/#comment-9200 Barbara Waltz Wed, 01 Apr 2009 06:55:40 +0000 http://www.thehappyrock.com/?p=2100#comment-9200 Debt Destroyer, Depending on how your plan is structured, some groups do it differently, dental and orthodontics are different options. Many will bundle them together however. If you are looking into just dental, i'd think about your family's needs. If it is just yourself and your spouse, then it may not be as necessary for certain plans, but if you have children you would likely use it more often as they should try to get regular checkups. Comprehensive plans tend to add around $25+ a month, indemnity plans are about $15+ , there are other options and it may be possible to add something onto your individual or group health policy (depending which your family is on). Not having it is of course a good savings method, but if you think you will use it then in the long run it will set you back more than you gain as a dental visit can cost a lot of money if it involves more than just a routine cleaning. Hope that helps :) Debt Destroyer,

Depending on how your plan is structured, some groups do it differently, dental and orthodontics are different options. Many will bundle them together however.

If you are looking into just dental, i’d think about your family’s needs. If it is just yourself and your spouse, then it may not be as necessary for certain plans, but if you have children you would likely use it more often as they should try to get regular checkups.

Comprehensive plans tend to add around $25+ a month, indemnity plans are about $15+ , there are other options and it may be possible to add something onto your individual or group health policy (depending which your family is on).

Not having it is of course a good savings method, but if you think you will use it then in the long run it will set you back more than you gain as a dental visit can cost a lot of money if it involves more than just a routine cleaning.

Hope that helps :)

]]> By: Debt Destroyer http://www.thehappyrock.com/2009/03/29/how-can-i-lower-my-health-insurance-costs/comment-page-1/#comment-9188 Debt Destroyer Tue, 31 Mar 2009 16:47:42 +0000 http://www.thehappyrock.com/?p=2100#comment-9188 It was just a general question. Currently my family is without Dental Insurance, and part of me feels like I'm playing Russian roulette. Thanks for the feedback. It was just a general question.

Currently my family is without Dental Insurance, and part of me feels like I’m playing Russian roulette.

Thanks for the feedback.

]]> By: Barbara Waltz http://www.thehappyrock.com/2009/03/29/how-can-i-lower-my-health-insurance-costs/comment-page-1/#comment-9184 Barbara Waltz Tue, 31 Mar 2009 13:17:10 +0000 http://www.thehappyrock.com/?p=2100#comment-9184 Hey Debt Destroyer In most cases, a health insurance policy would cover orthodontics to repair damage done by an accident, even if they do not normally cover dental work. If it was due to an auto accident, the car insurance policy should have some personal injury coverage as well which would cover it. I am not sure if this was just a curious question, devil's advocate, or based on something that has happened - if it is the latter let me know and perhaps I can elaborate a bit more. Barbara Hey Debt Destroyer

In most cases, a health insurance policy would cover orthodontics to repair damage done by an accident, even if they do not normally cover dental work. If it was due to an auto accident, the car insurance policy should have some personal injury coverage as well which would cover it. I am not sure if this was just a curious question, devil’s advocate, or based on something that has happened – if it is the latter let me know and perhaps I can elaborate a bit more.

Barbara

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