Did you know that the average American adult spends about $1,200 a year on health insurance? With so many expenses going up each year it’s easy to overpay for your health care. That’s why it’s so important to check your existing plans and figure out if there are any changes that may be able to save you money. Keeping tabs on your health insurance can help you avoid paying more for less coverage. Read on to learn more about how upgrading your plan can help lower your premium costs and increase your health care coverage.
You might be thinking, ‘How can I get more health insurance?’ or ‘What can I do to ensure that my current health insurance policy is up to date?’ Maybe you have a family and you are worried about them getting sick. Or maybe you just want to make sure that your existing policy is up to date and covers the latest and greatest! Regardless of what your reasons for wanting more health insurance may be, this article is here to help. With a little bit of knowledge, you can take action that will improve the coverage and affordability of your existing policy.
Top Up Your Health Insurance: The Easy WAY
If you’re reading this, you probably have health insurance. Most of us rely on it for a healthy lifestyle, which is why it’s so important that we keep our policies updated and know how to get the most out of them. But what if you don’t have access to an employer-sponsored plan? Or what if your current one just doesn’t offer enough? Are you willing to shell out thousands of dollars a year for “medic” coverage when you could get basic standard health insurance for significantly less? These are some of the questions we hear all the time. And the short answer is… yes! It’s 2018 and as a result, more and more Americans are getting covered for free or at a lower cost than ever before. But how do you go from staying at home to kicking your unhealthy lifestyle up a notch? Well, here are some top up your health insurance: The Easy WAY that will make it happen!
Get an Excess Protection Plan
One of the best ways to help yourself out when you don’t have health insurance is by getting an excess protection plan. These are usually for individuals who earn more than the basic plan limits, but less than the maximum plan amount. And if you have kids, you can even get one that’s just for them! Excess protection plans will cover you for a lot, and they’re often cheaper than the average insurance plan. You can sign up for an excess protection plan online, or on the phone with one of our customer service representatives. It’s important to note that your employer-sponsored health coverage is not an excess protection plan. You would have to take advantage of your employer-sponsored plan to get coverage that meets or exceeds the limits that an excess protection plan would cover you for.
Go to the More Affordable Option
The more affordable option if you don’t have a job-sponsored plan is the exchange-based health insurance plan (or “exchange”) that is available on most major health insurers’ websites. These plans don’t cost you a single penny until you’re hit with a massive out-of-pocket expenses like a hospital bill or an expensive medication. And best of all, many of these plans don’t charge you any premium until you’ve been out-of-pocket for a certain amount. And if you qualify, you can even take advantage of a “free” pool of healthy people to help pay for your high-cost medical care! The only downside to this is that most of the coverage is “standard” which means that if you get sick, you may not be able to get the same type of coverage that someone with a more expensive plan would be able to get. Be sure to shop around and find out what the different types of coverage have to offer so that you can make an informed decision.
Get an HSA
If you’re able to, and want to, get health insurance the old fashioned way, by paying for it out of your own wallet, then an HSA is for you. An HSA is a special account that you can set up for any qualified medical or qualified nursing expense. You can contribute maximum allowed pre-tax dollars, or funds that are pre-approved by the IRS. And unlike a 401(k) or a traditional IRA, you don’t have to pay taxes on funds that you contribute to an HSA. You can contribute as much as you want, and it’s tax-free. (You can find out more about how to set one up at HSAforhealth.org.)
Union Membership
If you enjoy working for an employer that offers health insurance, and want to save money while doing so, you can sign up for union membership. A union membership is like financial insurance that you get paid back with regular paychecks, or in this case, union dues. If you work for a union, you can most likely set up your health plan through the union. This way, you get uniform coverage from all your places of employment. What’s more, your family members can also get coverage through your union plan, meaning that you get the same benefits as if you were in charge of the plan.
Join a Health Club
If you’re not a member of a health club, or don’t have access to one, you can still get healthy by drinking coffee at home. First, make sure you’re drinking enough water, and eating a healthy diet. Next, find a few other like-minded people and start a club. You can call it coffee club, health club, or anything you’d like, but it needs to be a social activity where you all get together regularly. You can meet at your local Starbucks, or get together at someone’s house. Next, join a health club. You can get health club memberships online, or even at the grocery store when you’re picking up the ingredients for an at-home smoothie. The healthier you are, the easier it will be to maintain your fitness routine.
Up Your Nutrition
For years, people have been drinking green tea, and it’s a trend that’s not going away any time soon. And for good reason – it’s packed with antioxidants, anti-inflammatory, and can help you lose weight. If you don’t like the taste of green tea, you can always drink black tea, but it’s not as healthy. Next, add more fruits and vegetables to your diet. Avoid eating processed foods, sugar, and anything that’s fried, baked, or broiled. Your diet should consist of fresh, home-cooked meals at every opportunity.
Conclusion
Health insurance is a important part of any normal person’s health plan. You need it to cover medical bills, medications, and other expenses that might occur as a result of a health problem. It’s also a good idea to have several different types of health insurance to protect yourself in case one plan is unexpectedly cancelled or you get sick. But how do you go from staying at home to kicking your unhealthy lifestyle up a notch? Well, here are some top up your health insurance: The Easy WAY that will make it happen! Health insurance is a must for any healthy person. But how do you go from staying at home to kicking your unhealthy lifestyle up a notch? The easiest way is by getting a top up plan. These will cover you for a lot, and they’re often cheaper than the average insurance plan. And if you qualify, you can even take advantage of a “free” pool of healthy people to help pay for your high-cost medical care!
Related Articles
- University of Portharcourt Teaching Hospital (UPTH) Past Questions and Answers – Download PDF
- How To Choose The Right Puma Safety Shoes.
- 10 Technopark Companies You Need to Know
- 6 Reasons Why Cockroaches Exist
- How Does CBD Work and What Does It Do?
- What is iPhone 11 Price Now?
- Sokoto State Government Recruitment 2023 | www.sokotostate.gov.ng
- 15 Best High Paying Environmental Jobs
- No Win No Fee Personal Injury
- How to Become a Great Article Marketer
- Post UTME Exams 2024/2025: How to Score High
- Best Way to Get Started in Oil and Gas Drumming
- 17 Best Colleges For Chemistry Majors
- Ways of Getting Land Surveyor Near You
- University of Notre Dame Acceptance Rate 2024-2025
- Brief History of Education in Nigeria
- How to Change Admission Price on Roller Coaster Tycoon
- How to Model in Korea and Make Some Sweet Money!
- How to Become a Health Administrator
- QuickBooks Hosting vs. QuickBooks Online: Which Is the Proper Fit for You?
- Wilfrid Laurier University 2024: Acceptance Rate, Admission, Tuition
- 15 Best Trade Schools in Florida in 2024
- UBTH College of Nursing Form for the 2024/2025 Academic Session
- Abia State School of Nursing Past Questions and Answers – Download PDF
- What Makes Online Baccarat Interesting?
- Nigerian Ports Authority (NPA) List of Shortlisted Candidates 2024/2025 – PDF Download
- Tips To Keep Your Heart Healthy – Bright Heart Health.
- Bagging Packaged Goods: Its Types and benefits
- Best Online Slots Payout Percentage
- Best Pharmacy Schools In Illinois in 2024- Cost, Requirement,
- Marketing Product Design: A Guide for Marketers
- How To Create An Outline VPN Google Drive File
- Does Sprouts Take Ebt? Is Sprouting Right for Your Plate.
- 10 Awesome Things to Do in the Bowery This Spring
- JAFAD College of Nursing Science (JAFADCONS) Past Questions and Answers – Download PDF
- Study in Paraguay: Tuition Fees and Costs of Living for International Students
- What is Shopify Plus?
- A Guide To Hiring Marine Recruiters
- Ghana Fire Service Recruitment Form 2023/2024 — www.gnfs.gov.gh
- What you need to know about testosterone therapy
- Jesuit Medical Schools 2024: Admission, Requirement, Tuition
- University of Ghana Recruitment 2023/2024
- How to Apply Pareto Principle for Hybrid Project Management
- Ethio Telecom Job Vacancies 2024/2025 How to Apply Online – https://www.ethiotelecom.et/vacancy/
- University of Hasselt 2024: Acceptance Rate, Admission, Tuition
- Learn About Being a Doctor in 2024
- What is an Employee Life Cycle?
- How to Become an ER Nurse in 2024
- How to Get a BSN Degree Online For Cheap
- How To Get Into London Business School: 7 Secrets To Get In