For Health Care, Don't Spend More Than You Need To

There are so many different types of health insurance available to you that it can be confusing

. Many people who are employed get insurance through the company for whom they work, but those health insurance policies are not always the best and it is up to you to make sure that the benefits you receive from your employers is the best for you and your family. Health insurance s a political bombshell that is going to go off big time in 2012 when presidential candidates have to give a detailed plan as to how they will handle the health insurance crisis, whether it will be universal or not

While most Americans who are insured receive their benefits through their place of employment, those policies might not be what you and your family need in these times. Some of those policies might sound great off hand, but the out of pocket payments may not be worth the policy. It can be quite complicated, but it takes some time and research to make sure you are doing all you can to save money whether it means finding your own insurance or not.

First it is important to think about the different ways in which you and your family members may be eligible to receive health insurance benefits at a discount. This could include different forms of employment, school and community affiliations, and even through government eligibility including programs like Medicaid and Medicare. Many fall into the trap of assuming that it is best for everyone in the family to be covered by the same health insurance policy when in many cases it is actually more beneficial to split insurance between two or three carriers.

Another important thing to consider is the way you will use your health insurance. For instance you don't want to pay for major medical benefits all year long for one or two routine doctors visits, because this is silly. It is much more financially beneficial to pay out of pocket for these appointments and any associated medications in their generic form and just maintain emergency health insurance benefits with a catastrophic rider.

Make sure to look at all of your health care options even if the employer takes care of your needs. It can be cheaper and more convenient at times if you simply make your own plans. Consider all options and don't feel comfortable just because you have insurance from your employer.

by: Ethan Kalvin

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