Tuesday, August 26, 2008

How To Get Cheap Health Insurance Online In Kentucky

Finding cheap health insurance online in Kentucky is a breeze if you have a computer with an Internet connection and a general idea of what type of health insurance policy is right for you. Although it 's not a great idea to try and determine what 's wrong with your health by looking online, the Internet can be a terrific resource when it comes to your health. Self-diagnosis has become all the rage as many websites are now devoted to providing information related to all types of medical conditions. Many of us have taken to the Internet when we feel an ache or pain coming on.

Newborns in Kentucky are automatically covered under their parents' health insurance plan for the first month after their birth. You'll want this in place not only to cover the costs associated with the labor and delivery but also to ensure that the baby receives whatever health care they need. If you are a parent who is expecting a baby, it 's a great idea to secure health insurance before the birth.

Many people are discovering the promise of natural medicinal approaches. Procedures such as acupuncture and massage can now be added to a standard health insurance policy. If this is something that you consider to be a fundamental part of your health care regimen it 's important to weigh the cost of the treatments against the added cost to your premiums. This is also true of many of the traditional optional types of coverage including massage, dental and vision care.

Once you do find a policy that you are considering purchasing, you may want to do that online. Many health insurance companies have secure websites which enable consumers the chance to seek out coverage, choose a policy and then pay for it all online. If you're comfortable doing this it can be a great time saver and can also guarantee that your coverage is in place sooner.

Many families are finding the cost of health insurance to simply be beyond their means. In fact, nationwide, fully 16% of all families and individuals can no longer afford any kind and the numbers are growing yearly.

One of the reasons this is particularly troubling is because if you should suffer a catastrophic accident or illness, the kind that creates medical bills in the tens of thousands of dollars or often even hundreds of thousands of dollars in virtually the blink of an eye, you could lose your life savings or even your home.

If you are going to protect your life savings and your home from the possibility of a health-related disaster wiping them out, then there are several things you need to do, starting today.

Set up an automatic payment system for your monthly premiums. If your company doesn't have to bill you every month they are going to pass those savings on to you.

Stop smoking and stop using chew or any other tobacco product. You know that smoking is not in your best interest and you know that you will never get the lowest priced health insurance as long as you smoke or use chew - so make the decision to give it up now.

Weight also affects your health bill. Insurance companies are interested in your Body Mass Index - which is a politically correct way of saying that if you are overweight you will pay more for your health insurance than you would if you were not overweight.

This doesn't mean you have to look like Twiggy or some super model. But it does mean that losing even a few pounds could drop you down into a lower BMI rating and if that should happen you could save some significant money over the long run. In other words, every pound counts.

Don't participate in extreme or dangerous sports on a regular basis if you want to find affordable health insurance. Also, if you drive a fast sports car or a muscle car you may not get the best health insurance rates.

Always look for group health insurance rather than individual. If you can't get group health where you work try checking with any clubs or organizations or associations you belong to. A surprising number offer their members affordable high risk solutions. Even some religious organizations are now offering group health to their members.

If you can increase your co-pay to 50% you will save money every month. If you don't see your doctor regularly this might be a good solution.

Increasing your deductible will save you money instantly. Just be sure that you can afford to pay the deductible every year.

Buying your health insurance online will also save you quite a bit. Just put the words "Health Insurance [followed by the name of your state]" into any search engine and you will be confronted with dozens of websites encouraging you to compare the prices of a number of different companies.

What you need to do if you are serious about saving money and finding truly affordable health insurance is to make your price comparisons on several sites - at least 3 different ones - and then choose the lowest price you find. The trick here is not to rely on the results you get from just one of these websites since each site only compares prices from a few companies.

It takes a little time to make your comparisons on 3 or more sites, but the time you spend could well save you hundreds of dollars a year in premium costs, and you can feel confident that you have now found the most affordable online that 's available in your state. That 's really all there is to it.


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