Everyone wants to commit to health for the New Year
One of the primary factors in staying healthy is maintaining a good health insurance plan. For those of us that make a New Year’s resolution to take control of our health and at the same time budget our finances finding a good affordable health insurance plan is essential. Statistics show that those people that go without health insurance usually do not get the care they need.
Group health insurance offered to us by our employers is not what it use to be. If you shop around at the multitude of private insurance options your likely to find better rates on your own. Not only that but you are able to customize your benefits to your needs.
Private insurance do have a base rate. They are not the same for everyone. They are based on factors such as age and location. The base rate can increase as well. One factor that may increase a base rate is a medical condition. If you take high blood pressure medications you are likely to see an increase. Increase can be from 20% - 50%.
Researching all the carriers available to you is very smart. They have plenty of plans for you to choose from. You could choose a benefit rich Platinum plan or something more affordable like the “cover me in a catastrophic situation so I do not go broke” kind of plan.
You must first set a budget that you can live with before choosing the right plan for you. If an added bonus of dental and vision coverage sound good to you, there are plans out there for you. Of course it may not make since to you budget. Knowing what you can afford will allow you to decide which benefits mean the most.
The nicest things about securing you own individual health insurance is the freedom you have to customize. Your company may pay your entire premium which would make since for you to keep that health insurance. However many times they pay nothing for you family and the premiums are outrageous. You could find a separate plan for you family that meets your needs and budget.
Preventative exams are essential to staying healthy. If your New Year’s resolution includes staying healthy look for a plan that includes the annual preventative exam. You may find one that includes an extensive exam or one that follows up with your most basic health status. It us up to you.
Once you start researching plans you will find many to help you meet you New Year’s goals. You will even find carriers that include weight management or smoking cessation. Many carriers partner up with companies and include discounts to many health products and fitness products.
