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PPO Health - Two Options For Getting Low Cost Health Insurance

Published Thursday, August 28, 2008 by bloggerblognet83460 | E-mail this post

If you are in need of a low cost health insurance policy, there are a couple things that you can do in order to lower the costs. Unfortunately, neither one of these options is very pleasant, however, in the case of having health insurance or not having it at all, it's better to have some protection. Here a two things that you could do.

#1. Strip down the coverage. This is what I meant by hating to have to do, but some is better than none. The object is to strip down certain coverages by reducing the amounts that your insurance will cover within the policy. For example, you could buy a low cost health insurance policy with rock bottom, minimum coverage. This may mean that you won't have as much coverage in the event of an emergency that requires long term hospital care, however, we're working on the premise of "something being better than nothing" here, so it's kind of a take what you can afford situation, which is very unfortunate. I realize that a lot of people may look at this option with criticism or ask "what's the point"? The point is that a large portion of bankruptcies here in the USA are because of excessive medical bills. If they were partially covered, a family may be able to avoid that.

#2. Raise your insurance deductible to the maximum. This option would mean that you'd be paying practically 100% of your everyday medical care out of your own budget. If you think about it though, you're probably already doing this. How many times have you seen the doctor this year so far? How many times did you go last year? The average is twice, so if you have a deductible as low as $250-$500.00, then you probably had to pay for that yourself anyway, didn't you? The main objective by raising your deductible to the maximum is to protect yourself, as in the example above. You'll want to put away $500.00 aside for doctor visits and never touch it. More if you have a large family.

These ideas, of course, aren't the only options that you have. I know that a lot of skeptics will argue these options and that's fine. I recommend when you're looking for low cost health insurance to keep all of your options open.

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