Check to see if your insurance provider or doctor is providing your records to the Medical Information Bureau as they are mandated to do so. If so, you can get a free copy of your records once a year! Catastrophic coverage may save money on health insurance premiums, but comprehensive coverage will save money in the long run if you have any serious medical needs. Comprehensive may cover physician visits and medications, catastrophic covers emergency room and hospital visits. Group health insurance is often cheaper than private health insurance, which is why employers are often able to provide quality and affordable health insurance to employees. If you’re currently unemployed, though, you’re not out of luck. There are plenty of groups or associations you can join like the Freelancers Union. Among other advantages, these groups will offer an affordable health insurance.
Doing your homework is key before buying a catastrophic health insurance policy. You want to be sure that the possible events that most concern you are covered. If you do decide to do this, open a HSA (Health Savings Account) and make regular deposits. This way you will have your deductible covered should you need it.
When evaluating your employer’s health coverage options, decide based on your own condition, as well as the health status of your family members. If you do not have any health issues anticipated in the near future, this may enable you to pay a cheaper premium for your insurance. This will save you money in the short term, but may cost you if you have an accident or a medical issue appears later.