How Do You Get The Cheapest Health Insurance?
• Look into Medicaid coverage. States offer government health care plans to low-income individuals. Those who are having problems locating affordable policies may qualify for Medicaid, but be warned that maximum income limits may apply to eligibility for these programs. • Evaluate coverage needs. Knowing what kind of health care insurance a family needs can make the process easier and help uncover the best policy bargains. • Know the difference between an HMO and a PPO. In an HMO plan, which is generally cheaper, the patient needs a referral from the primary care physician in order to seek additional care from other providers. The referral requirements may be inconvenient, but it does allow insurers to offer more affordable policy options. • Apply a high deductible. One big way to save on health insurance premiums is to apply a high deductible. The deductible is the amount that the policy holder will have to pay before the insurance payment kicks in. Choosing a higher deductible will r
