- Reasons to review your health insurance policy
Over the years, you can realize how quickly your health care needs change . It is important to consider these changes and make sure that your current coverage is exactly what you need a plan.
1. Your premiums have increased every year.
If your premiums are increasing, try switching to a new plan. When buying coverage, you are put into a "pool" with other people. As this pool is aging and sometimes sickly, health insurance premiums will increase for the entire pool.
2. You did not go to the doctor in three years.
Many people may think that because they have not gone to the doctor in a long time, they can cancel their policy. It is not a good idea - no matter how you're healthy, but instead of getting rid of the blanket completely try switching plans that are more economical. Switch to a plan with a higher deductible, lower monthly premiums and start saving money in a Health Savings Account (HSA). This way you can save money for future illnesses or injuries instead of spend on premiums for a plan that you do not use it now. Then, once you start using more health care services, try switching to a plan with more coverage or use of funds in the HSA.
3. There are or will be changes in your family structure.
Whether you get married, divorced, or considering your children make health insurance coverage reflects these changes. If you already have children and they go to school soon, make sure that there are health care providers close to home for receiving assistance or services covered.
4. Current health insurance provider does not offer gym memberships.
For many people who use the gym regularly and gym memberships, there are advantages to find a health insurance company that offers discounts or pay for members.
5. You need more coverage for prescriptions.
If you started taking monthly medication and could use more coverage, consider changing to a plan with lower co-insurance.
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