How to Save Money and Get Discount Health Insurance Michigan

As is the case in most states, buying health insurance coverage in Michigan can be confusing. There are two general types of insurance. The first is group health insurance coverage. This is the best choice because it is typically offered by an employer and results in much lower premiums for the insured. The second choice is an individual health insurance plan. If you don't have access to group insurance, this will be the route you need to take. If that's the case one of your main focuses will be how to save money and get discount health insurance in Michigan.

The type of health insurance plan you decide on will be determined by your own unique set of circumstances. If you are a single person you can expect to pay less than someone who is looking for a policy that will protect them, their spouse and their children. It's important to have a clear idea of what coverage you feel is mandatory before collecting any quotes.

Fee-for-service is the most popular type of private health insurance offered in the state. This involves the insured having to pay for every service they receive. A portion of the complete cost of the service is covered by the insurance company, and the insured is left to pay for the remainder. One of the most appealing aspects about this particular type of health insurance is that you can pick your own doctor or treatment facility. This is very important to many people.

After you've decided on a health insurance plan be careful about how you pay your premiums. You may find a discount health insurance policy only to discover that you are responsible for service charges if you decide to pay monthly. Ask about this before making any payment arrangements so you can ensure you are indeed enjoying the lowest price possible.

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How to Save Money and Get Discount Health Insurance in Oregon

Oregon is a great state to live if you are looking for discount health insurance. Even if you have no health insurance, Oregon's Prescription Drug Program went into effect at the end of 2006, providing deep discounts on prescription drugs to just about all residents of the state, regardless of income.

According to the Insurance Division of the State of Oregon, 39% of the citizens of Oregon are currently covered by one of the major private health insurers in the state. Many more families are covered by employer-supplied health insurance.

For those seeking discount health insurance in Oregon on their own, here are a few things to keep in mind.

One of the main ways in which people balance the cost of health care is through the raising or lowering of their plan's deductible. A deductible is the amount of money you pay out of your own pocket for your health needs before your insurance begins paying. The larger the deductible, the lower the monthly premiums you'll have to pay.

One of the best ways to keep health care costs down is to make a list of exactly what you and your family need most from health insurance. Do you need to have routine doctor visits covered? Do you foresee any hospital stays in the coming year? Are prescriptions your main concern? Is there a chronic health need in your family that needs to be addressed? Can you put aside enough cash to cover a larger deductible?

Once you know exactly what your family's primary needs and concerns are, there are several websites which allow for side-by-side comparisons of policy costs based on the criteria which you have determined are most important to you.

By taking the time to make a list of your major insurance needs and then comparing policies online, you and your family should be able to save money and get the discount health insurance that you need and deserve.

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How to Save Money and Get Discount Health Insurance in Maine

The law in Maine regarding health insurance is very clear. Anyone in the state who applies for individual health insurance must be sold a policy. If you do have a pre-existing condition, you should know that health insurance companies in Maine do not have to pay any benefits that relate directly to that condition for the first twelve months after you purchase the policy.

If you are healthy and haven't been diagnosed with anything serious, this is the time to invest in health insurance in Maine. This is one of the main reasons it's often suggested that a young person buy a health insurance policy. At the top of most people's agenda when it comes to medical insurance, regardless of their age, is the cost. This protection can be expensive if you don't fully understand what it is you need and the various ways you can save money.

One way many people in Maine save money and get discount health insurance is by contacting several different vendors to get a quote. This means calling various insurance companies so you can get a clear idea of how much they would charge you for coverage. Once you've done this you can then compare the prices and levels of coverage from one insurance company to another to determine which offers the best deal for your unique situation.

Obviously if you are insuring your entire family as opposed to just yourself, it will cost more as well. You may be able to save some money by removing your college age child from your insurance. Many colleges now offer low cost health insurance to students under a group plan. If this is the case you'll likely find that the premium for the group plan at school is much less than the portion of the premium of the individual plan that is dedicated to the child.

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Save Time, Money and Health - Plan Your Menu Ahead

If you're the typical American family, you're probably part of a two-couple household, both of whom work, maybe with a few children still at home. Or becoming more typical is the single working person either working outside the home or running a home-based business. Whichever category you fall into, the fact is, we are all very busy and often what, where, when, and how we eat is on the low end of the priority list.

However, with more and more information becoming evident about how what we put in our bodies affects our health, we should be more concerned with what, where, when, and how we eat. To that end, I'm suggesting a little time spent in meal planning can go a long way.

Pick some time each week when you can set aside a few hours to plan ahead. This small amount of time will wind up saving you more time-as well as money and health in the long run. Here are some suggestions on how to create a menu plan:

1. Choose the same few hours each week to plan your menu. Good times might be Saturdays from 10am to noon or Sundays from 4pm to 6pm. Pick the same time each week and it will soon become a routine once you have the planning strategy worked out.

2. Create a chart with 7 columns for each day of the week and 6 rows for 3 meals and 3 snacks. Vary this to fit your particular needs, then make 4 copies for one month. Before the last week of the month, make 4 copies for the next month. This is easy to do if you create the chart on your computer in Ms Word or Excel.

3. Fill in the blanks as much as you can with your selections for each meal. You may want to leave some spaces blank for spontaneity. Doing this will take some time as you want to consider health concerns, family members' preferences and allergies, their schedules, any budgetary or time constraints, and any other factors that may be specific to your needs. Also, you might want to experiment with one new recipe each week to add variety.

4. Economize time and resources. Planning ahead allows you to design your menu so you can, for example, bake a casserole on Sunday night and have leftovers on Monday and Tuesday. You can read the grocery store ads and take advantage of specials; you can go to the farmer's market to purchase the local produce that's in season.

5. Learn how you can eat healthier. When planning your weekly menu, you have the opportunity to start eating healthier. That might mean cutting back on red meat, adding more fresh vegetables, or introducing some new foods like tofu or salmon, that your family has never eaten before. Because there are several theories on what constitutes healthy eating, choose a few to examine and then test them on your family. It can get confusing as to whether red wine or coffee are beneficial or harmful, but let your body be the testing ground and see what fuels you and feels good to you. It's best to stay informed and see what makes sense.

Lastly, planning your menu ahead will save you time, money, and health because you'll be eating out less. The average family eats out or brings home prepared foods at least three times per week. It may seem like eating prepared food is saving time, but it's not saving money and you don't know how healthy the food is since you didn't prepare it yourself. And if you plan ahead, you will save time by being organized, with less trips to the grocery, and less meal preparation. Your family's health is worth it, isn't it?

Lifestyle Mentor, Personal Coach, Author, Educator, and Entrepreneur, David B. Bohl is the creator of Slow Down FAST. To learn more about this step-by-step strategy for Living YOUR Life YOUR way, and to sign up for his 9 FREE Tips for Finding Happiness in a Fast-Paced World, free teleseminars, free Special Report, free bi-monthly ezine and more, go to: http://www.SlowDownFAST.com

How to Save Money and Get Discount Health Insurance in Florida

Health insurance is generally considered one of the least affordable of all the types of insurance that the average America is expected to purchase. In fact, approximately 17% of all Florida residents can't afford any health coverage at all.

Group health insurance is almost always less expensive than individual health care so if your employer or some organization that you belong to makes group health insurance available to you that may be your best bet.

If you have no insurance and you meet certain low-income requirements then your children 19 years of age and younger may qualify for the state of Florida's KidCare Program. For more information on this state-sponsored program check out: http://www.floridakidcare.org/

If you have a home business check with your insurance agent. Many home-based businesses in Florida, regardless of whether they have any employees or not, qualify for group rate health insurance.

If you are still looking for individual health insurance there may be ways of getting the cost of your policy down to the point that it doesn't make you sick.

Let's start with your smoking. If you smoke or use any other form of tobacco product (such as chew) then you need to quit. Period. Smokers pay a considerably higher rate for health insurance than do non-smokers. If you have a health insurance policy currently and you smoked when you first got your policy but you have since quit you need to speak with your agent - you could be due a rather heft decrease in your monthly premium payments!

Are you overweight? Even though the majority of Americans are overweight it still costs overweight people more to purchase health insurance than it does for people who fall within the "normal" range on the weight charts. The good news is you don't have to lose all of your weight to get a break on your health insurance. Often even losing just a little will place you in a lower-priced category and save you money year after year.

Don't engage in dangerous or extreme sports or hobbies. Unnecessarily placing your life or your health at risk will drive up the cost of your health insurance. Having a dangerous occupation can also increase the cost of your health insurance.

If you've been insured by the same company for at least 5 years you could be entitled to a Long-Term Discount on your health insurance. Similarly if you have other insurance policies, such as homeowner's or auto insurance with the same company you should receive a Multi-Policy Discount on your health policy.

What is your current co-pay when you visit your doctor's office? Many people have a 20% or 25% co-pay. Did you know that if you increase your co-pay to 50% that you can save as much as 20% on your monthly health insurance premiums? This is a particularly good way for people who do not visit their doctor on a regular basis to save a great deal of money every year.

What about your deductible? Your deductible is the amount of money you spend on your own health care each year before you even bother your insurance company. The higher your deductible the lower your monthly premium payment will be - but consider everything carefully before increasing your deductible because this is extra money you will have to come up with each year for your own health care.

Finally its time to go online and take everything you've learned in this article and plug it into at least 3 of the many websites that allow you to quickly make head-to-head comparisons of health insurance policies and prices between companies.

Remember to make your comparisons on at least 3 different sites if you want to make certain that the low price you see is truly the lowest price you can get. It takes a little extra time to make comparisons on multiple websites, but the result is that you really will save money and get discount health insurance in Florida.

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