Here are ten tips you can implement when you lose your health insurance:
1. You may be offered a “COBRA” insurance policy, especially if your job has been lost. This enables you to gain easier acceptance, but doesn’t necessarily provide the best rate or coverage available.
2. When your doctor prescribes a medication, ask him or her if a generic prescription could be substituted. Generics cost less, partially because they aren’t heavily advertised.
3. If you lose your medical coverage and become injured, most healthcare providers are willing to offer a long-term payment arrangement when asked.
4. Try not to forgo relatively inexpensive preventative measures, such as flu shots and vitamin supplements. These can help prevent more costly illnesses.
5. If your spouse is employed, find out if his or her employer offers discounted medical insurance coverage for employees’ spouses.
6. People can use the Internet to conveniently request quotes from one or more Colorado individual health insurance providers, sometimes instantly. Quotes are free and require little information, so there is nothing to lose.
7. Until you acquire insurance again, try to avoid recreational or other non-essential activities which pose a risk of injury – such as horseback riding or skiing.
8. When you lose health insurance or only have a high deductible policy, consider using a lower-cost healthcare provider such as Concentra Urgent Care for problems which aren’t imminently life-threatening.
9. Don’t assume that your income is too low to afford any medical insurance. In Colorado, a relatively young person may be able to obtain a high-deductible policy for under $100 per month.
10. Be sure to look at the extra features of different health plans when comparing them. Even high-deductible plans may include eye care discounts, health savings account access, or other benefits.
Applying these tips when you lose your health insurance will help decrease costs and enable you to access as much health care as possible.
…
Rickey Pearce is an insurance agent as well as a part-time author. Rocky Mountain Health Plans offers a variety of affordable Colorado Individual Health Insurance plans, as well as group and supplemental Medicare coverage. Learn more at: http://www.rmhp.org/
Read more articles written by Rickey Pearce
Related posts:
- Learn About Short Term Insurance
From expensive but extensive policies to cheap and inadequate coverage plans, insurance companies make it certain that they don’t discriminate. One option many insurers provide is short term insurance, coverage that protects you much like a standard policy would but only for a short period of time. You are able... - Reduce Your Monthly Budget By Eliminating Duplicate Insurance Coverage
There’s absolutely no sense in paying for the same insurance coverage from multiple insurance companies. This is an area where a lot of consumers could eliminate some unnecessary spending from their family budget. The two main areas to look for duplicate coverage is medical coverage and road assistance plans. About... - Understanding the State-Mandated Minimum Auto Liability Insurance
It has been estimated that as many as 15% of all drivers on the road in the United States do not have liability insurance for their vehicle. Of course, that estimation does not take into account drivers in New Hampshire and Wisconsin, who in previous years were not required by... - Understanding Uninsured Motorist And Underinsured Motorist Insurance Coverage
Uninsured Motorist (UM) and Underinsured Motorist Insurance (UIM) are often the most under-appreciated and misunderstood forms of insurance available to consumers. I recall as a child, an uncle who had worked for an insurance agency declared to my parents that Uninsured Motorist (UM) and Underinsured Motorist (UIM) insurance coverage were... - Health Tourism is a Growing Trend in Healthcare
Many people in the United States are finding themselves out of a job and also without valuable health insurance. When costly medical procedures are needed, they cannot afford to have them done in the US. Therefore, many people are traveling to foreign countries to have the procedures done. This is... - Surprising Ways You Can Get Lower Auto Insurance Quotes
Auto insurance is mandatory by law in most states, but insurance can be expensive, especially during the current economy. As a consumer, it’s always a smart idea to seek assistance from an impartial third party Insurance Quotes site and let the insurance companies earn your business. Shopping around for insurance... - Hedge Your Bets With Job Loss Protection Insurance
Although it is easy to think that you are immune from the depressing economy because you consider your job to be secure, you really can never predict the future. Hundreds of thousands of recently laid-off workers across the country thought the same thing and now find themselves unemployed with bills... - Germ Theory – Discovery, History and New Developments in Health
Healthcare workers and others use medical gloves to help prevent the transmission of disease and infections. However, it was not that long ago in the history of mankind that the idea of using medical gloves to prevent the transmission of diseases was unheard of. The Advance of Medical Science Science... - Maximizing Profits by Lowering Health Care Costs in an Obamacare Society
Health care costs are a growing concern amongst small and large business owners throughout America. The cost of medicine in the United States is out of control, with the average CT Scan or MRI costing thousands of dollars. Simple and complex treatments, office visits, and procedures are costing employers millions... - Do You Want to Lose Face Fat Without Surgery?
Having facial fat and wanting to lose face fat always go hand in hand. After all, carrying the extra weight on your face is never something that anyone wants to do. You can have lowered self esteem and less success in many areas simply because you are uncomfortable with how... - Did You Lose Water Weight or Fat?
Many diets make you lose water weight! It’s a dirty secret that the weight loss industry would rather keep under wraps. You’ve seen it thousands of times – a brand new weight loss product comes on the market promising to help you lose huge amounts of weight in a very... - How Can I Lose Weight Without Dieting
The key is to satisfy your appetite by controlling your blood sugar levels and everything else will take care of itself. When we think of the word ‘Dieting’ most of us conjure up a picture in our heads of hunger, being deprived of the foods we want most, not being... - Cosmetic Surgery Options To Lose Face Fat
Nobody wants to have to deal with fat on their face, and it can be very difficult indeed to lose face fat once you have got it. The simple fact is that while there are ways, including improved exercise and dietary consumption, to lose weight, but there is no guarantee... - The Greatest Threat to Our Children’s Health: Diabetes?!
Type 2 diabetes is a growing concern in the United States as more cases of the disease are being seen in children. Usually type 2 diabetes affects people who are obese and over age 40. Over the past 20 years however, doctors have seen an increase in type 2 diabetes... - The Importance of Good Cat Health
Anyone that has ever owned a cat for any extended period of time realizes the importance of being actively involved in promoting good feline health. Even newcomers learn quickly that there is a great deal of information to learn when it comes to taking care of a cat. There are...