How Do You Lower Health Insurance Premiums By Selecting The Correct Copayment Options?
It’s easy to feel helpless in the face of rising health insurance premiums. However, by understanding how your copayment selections can help lower your monthly premiums, you will be better able to budget for your health care expenses. This article explains the steps you need to take in selecting the copayment options that will reduce your monthly premiums. First, avoid the copayment option for visits to your family physician or specialist. Although it may feel nice to only pay a copayment fee during an office visit, health insurance companies will penalize you for selecting this feature with higher monthly premiums. Why? Because they know from experience that copayments encourage utilization of medical services. If you only have to pay a copayment amount, you’re much more likely to visit the doctor for a simple cold. Many health insurance cover a yearly annual physical, so selecting this option doesn’t mean that you can’t keep track of your health. This is a great choice if you are you
