Sometimes the health insurance solution means that less is more.

This may be hard to understand, but sometimes you need to buy two health insurance policies to save money and get better coverage. Many agents are helping their customers buy more coverage for less money with this solution. p>

High Deductible Health Insurance

Consider major medical health insurance. We all know it is expensive, but a higher deductible plan can be a lot more affordable. It can also be easier to be accepted for one. And I have seen top insurers who even offer longer rate guarantees on them, and some come bundled with prescription coverage and doctor’s office copay features.

You may think that a 5 – 10 thousand dollar yearly deductible will not work for you. But think about how you can save $100′s of dollars every month on your bill. And if you have a health condition that has caused a rate-up, the savings can be considerable. You need to balance your budget vs the deductible.

Accident and Health Insurance Supplements

Have you seen health policies that supplement major medical by providing cash payments for accidents or illnesses. They are usually pretty inexpensive, and they pay out in cash. This money can come in handy if you need to pay expenses that are not covered by your health insurance policy. The cash can also be used for other associated costs like living expenses, transportation, etc.

You may find a package of sickness and accident protection, or you may need 2 different policies. You may also be able to buy this coverage from the same insurer who provides your basic health plan.

Get Help from an Experienced Agent

Health insurance is expensive, but an experienced health insurance agent can help tailor a plan that works for your family and fits in your budget. I would suggest finding an insurance agent that represents more than one company, rather than a captive insurance agent who is highly motivated to push one type of plan! You should have an opportunity to compare different types of health insurance policies.

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