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| Have you ever wondered
if you are overpaying for your Minnesota Health Insurance? |
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| Don’t
wait for the insurance company to tell you! |
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| Your health insurance isn’t
getting any cheaper by itself, and you may not even know
what your dollar is paying for each month. We keep things
simple when explaining to our clients how their health
plan works, and how to use it to its maximum benefit for
the lowest cost. |
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"At a time when health care
costs are rising rapidly and individuals, families
and employers are struggling to find lower-cost alternatives,
HSAs are a terrific option that I think every American
ought to consider."
John Snow
U.S.Secretary of the Treasury
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| Tip
#1: How to Make Your Insurance Less Expensive |
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Save money now by raising your deductible and you might
still decrease your out of pocket risk! |
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| If
you want significant premium savings, the best way to
accomplish this is by taking more risk away from the insurance
company. After all, that is what they are charging you
for right now. When you have a low deductible and co-pays
the insurance companies figure in this additional risk
and you naturally get higher monthly premiums. If you
want to borrow someone else’s money to pay for your
health care, you are going to pay extra for it. When have
you ever been able to spend someone else’s money
and NOT pay more for it? (See mortgages, rental, credit
cards, loans, etc. for details). |
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| If you have a low deductible
or co-pay plan right now, you are probably paying too
much. If you only pay $20 at the doctor's office, who
pays for the rest of the bill? Your insurance company
does. |
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| Remember,
good insurance companies know how to make money, not lose
it. So while you may think you are protected by low deductibles
and co-pays, look at your monthly premiums. Now who do
you think is paying the bill? |
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| If
you have a low deductible or co-pays, you are going to
pay a higher premium regardless of whether you even use
it or not. |
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| And
believe it or not,
even if you did have a lot of medical expenses, a
high deductible plan will often still save you money. |
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| Look
at your current health insurance carrier’s rates
and notice the difference between the costs of their high
deductible and low deductible plans. Add the premium savings
of a higher deductible over the course of a year and see
how quickly it can add up to a lot of money that stays
in your pocket. |
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"I cover a family of four
with my new HSA plan. I like the fact that with a
low premium/high deductible plan, we are not prepaying
for services we do not intend to use. We live a healthy
lifestyle and are happy to be more in control of our
health spending. We also know that we are covered
for catastrophic, unforeseen needs. With the savings
portion, we maximize our tax deductions and plan to
use the account as supplemental retirement income."
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"Our new plan lowered
our premium cost by two thirds, encourages tax-deductible
saving, and we aren't faced with the use it or lose
it proposition of the old flexible spending account.
And, our carrier negotiates, on our behalf, the final
cost of medical services such that even if we hit
the maximum annual deductible, we would still spend
less than our former HMO style plan."
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Mark Rachac
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"I recently quit my job
to pursue other opportunities. Upon doing so, I was
confronted with the exorbitant cost of electing COBRA
health insurance coverage from my former employer.
While shopping for a less expensive option for our
health coverage, Minnesota Health Coverage helped
me and my family find affordable health insurance
coverage that fit our situation perfectly. They were
sensitive to our needs, and responsive to our questions
and concerns. We are very happy with our choice and
the service we received."
James Namorato
St. Paul, Minnesota
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| Tip #3:
Getting The Best Health Care For Your Situation |
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Approach your health care
as a consumer, and a shopper
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| With
health care, just like any other expense that we have,
there are good deals and bad deals. Nobody wants to get
a bad deal, but you will get one if you don’t understand
what you’re paying for. |
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| Decisions
are made better when people are spending their own money.
If you want more control of your health insurance costs,
treat your health care as you would any other expense
that you have, as a consumer. Often there are big discrepancies
with medical costs depending on where you go and how the
bills are getting paid. Ask your health care provider
upfront what their costs are. |
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| Most people never pay any
attention to how much health care costs are when they
are being paid for by the insurance company. A doctor
might charge an insurance company more for a service than
they would charge a person paying with cash. Often, doctors
are willing to give discounts to people who provide upfront
payment. It is becoming more common that health care costs
can be negotiated directly with the consumer, so ask what
the costs are before you go. |
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| If you engage your health
care as a consumer, you will find that there are many
ways to save on health care expenses. |
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| Being aware of the cost
of health care, and actually choosing where your dollars
are spent, gives you more control and can keep
a lot of money in your pocket. |
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