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9 years ago · by · Comments Off on What Is An Insurance Premium – How Do You Lower It? 3 of 3

What Is An Insurance Premium – How Do You Lower It? 3 of 3

How to Lower Medicare Supplement Premiums

Right now the best way for most people to lower Medicare Supplement premiums is not to have one. I’m not suggesting that you go without insurance. I’m suggesting that you take a good look at Medicare Part C.

Medicare Advantage policies are Medicare Part C plans. Medicare Advantage policies often provide better coverage than a combination of Original Medicare and a Medigap policy and do so at a lower cost to the consumer.

These policies often provide excellent coverage at a very competitive cost. When you have a Medicare Advantage policy, you get your benefits from a private insurance company instead of the federal government similar to the way that most people who are not on Medicare get their coverage.

Although these policies are great options for most Medicare beneficiaries, they are not for everyone. The only major drawback of these plans is that the benefits are network-based. You will need to get all of your non-emergency care from a provider in the network.

If you are in good health you will probably not need to get routine care while traveling. If you need emergency care it should be covered. However, if believe that you will need non-emergency care while away from home, Medicare and a Medicare Supplement policy will probably suit you better.

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9 years ago · by · Comments Off on Health Care Reform Overview Part 1

Health Care Reform Overview Part 1

You are likely to see changes to your existing health insurance policy because of the health care reform bill. You are likely to see increased benefits as well as increased costs at least over the short term. Over the long run it is possible that some of the changes will have a positive impact on prices, but that remains to be seen.

In January of 2010 certain employers became eligible for tax credits for offering health insurance to their employees. This could have resulted in your employer offering health insurance to you when they would not have otherwise.

Effective in April of 2010, states are eligible for matching funds to help them insure more people through Medicaid. This might have meant that you were offered coverage when you would not have otherwise.

In June of 2010 many Medicare recipients who participate in Medicare Part D received money to offset their prescription costs. If you had high prescription bills, you may have received a $250.

If you have a Part D Prescription Drug Plan and reach the prescription “donut hole” in 2011 you will find that name brand drugs will cost you less. The manufacturers will be subsidizing the cost so that you will pay about half of what you would have paid before.

Effective in June of 2010 the Early Retiree Reinsurance Program started helping employers help their former employees who retired early. Employers who participate in the program will receive money from the federal government to help them continue to provide insurance for those who retired before they were eligible for Medicare. Dependents, spouses and surviving spouse may also get coverage through this program.

Effective in June of 2010 new options were made available for those who have pre-existing conditions. Your state has the option of offering a policy to you. If they don’t do so, the federal Health and Human Services will create a program for the state’s residents. In order to qualify, you must have been without coverage for that pre-existing condition for at least 6 months.

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9 years ago · by · Comments Off on Do You Have Too Much Insurance?

Do You Have Too Much Insurance?

If your budget is tight, it may be time to start cutting the fat on your insurance policies. You may have unnecessary coverage on your car insurance policy and you may have deductibles that are too low on your other policies.

Buying too much insurance can be as devastating to our finances as buying too little. The difference is that having too much insurance is like wet rot destroying our financial homes little by little over time and having too little hits us like a grenade exploding in our living rooms.

You will get better coverage if you pay more for it. However, the question you should ask yourself is “will I get at least a dollars worth of additional value for each extra additional dollar I spend on insurance?”

Whether you have a Texas car insurance policy or a car insurance policy in Pennsylvania, you may not want physical damage coverage on an old car. If you do find out how much your insurance company is likely to pay you if that car is stolen or totaled. If you feel that amount is too low, you may want to drop that coverage and save some money. (Physical damage coverage is the part of your policy that pays you to replace your car. Dropping or reducing this coverage has no impact on what your carrier will pay a third party if you were to hit them.)

Insuring yourself against a $100,000 heart attack is probably a very good idea. Insuring yourself against a $200 doctor visit probably isn’t. Insurance works best when you let the insurance company cover you for the big stuff and you cover yourself for the smaller stuff.

As a general rule, as you spend more money on insurance, you will get better coverage. This is true for car insurance, medigap insurance, and all other types of insurance. However, the benefits do not increase at the same rate that the cost does. Insure yourself against the catastrophic events that you cannot cover yourself and think carefully about insuring yourself for the smaller things you can pay for yourself.

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