Don’t pay for what you don’t need when it comes to health insurance

If you don’t need an option in your health insurance policy, then don’t include it.

It goes without saying that health care costs have risen steadily every year. In fact, who can recall when they didn’t go up? Remember when you had a job and your company picked up the whole cost of your health insurance coverage? Now, if you are still working, you are expected to chip in to cover the cost – sometimes up to as much as 50 percent of the total cost of coverage. Don’t bother doing the math on that one. Let’s just say, it’s expensive. You start to wonder if affordable health insurance quotes actually exist or if they’re someone’s idea of a cruel joke.

The truth is that they exist, and are quite easy to find if you know where to look and what you need. Most of the coverage you get at work includes things you will never use, which means you don’t need it. Let’s say the plan at work includes coverage for cosmetic surgery. No way are you ever doing that, but, you’re paying for the coverage. Go figure.

So, here is the inside scoop. Look for a policy that covers just what you need. This of course, will depend on your medical history and what you are comfortable with in the long term. If you don’t need or want something like home care or skilled nursing, then don’t get a policy that provides coverage for those things. If you only see a doctor maybe twice a year, take hardly any medications and are relatively healthy, just the basic coverage will work for you. Along with basic coverage comes a less expensive price. On the other hand, if you go to the doctor regularly for everything under the sun, a basic policy won’t cut it for you.

One other hint that may come in handy for you is that if you want to find an affordable health insurance policy, search online. Online insurance websites are competing for your business. You can use that to your advantage. Make sure when you get quotes that you know the policy “terms” that go with the price you get. Once you know what the policies contain and do and don’t cover, make your choice from there. While it may be a bit time consuming, it’s well worth it if you’re going to save money, isn’t it?

Clelland Green is with, a leader in providing health insurance quotes. Benepath provides individuals, families, and businesses with affordable health insurance quotes in just a few mouse clicks. To learn more, visit

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