1. Expensive plans aren’t always best: by practicing good dental care, brushing and flossing regularly, eating well, and not smoking, you’ll save big with less coverage.

2. Compare providers objectively online: health-insurance quote sites abound; multiple “portal” sites link to several other trustworthy sites; some are even dedicated to families with children.

3. Travel safe: Medical insurance can be crucial; make sure to check age-bracket rates (travel earlier if necessary), consider deductible choices, and ask about multi-trip coverage.

4. Consult your state: Buying a group health plan online doesn’t always offer a better deal on premiums because of strict state regulations regarding premium levels.

5. Research pays off: Comparing health insurance companies can save you plenty—and also give you the peace of mind that comes with truly understanding your coverage.

6. Know the basics: Before you agree to a health insurance policy, learn about policy premiums, deductibles, copayments, out-of-pocket expenses, service coverage and ancillary care.

Article by Nakagava Ltd., creator of PiggyBob™, the first truly user friendly personal finance software and time manager. PiggyBob™ is an extremely convenient tool to help you keep track of your income and expenses, plus a very useful printable calendar to record all important events in your life. All the data you record in PiggyBob™ can be handily visualized in graphs.

This entry was posted on Thursday, November 9th, 2006 at 12:56 pm and is filed under Insurance. You can leave a response, or trackback from your own site.