Are you in need of a low cost health insurance plan, but don't know how to go about finding one? Don't feel bad or silly because there are a lot of people in that position. Honestly, health insurance options are not as inexpensive as they once were and prices have gotten much higher over the past 15-20 years. There are a few very simple things that you might be able to do to lower your health insurance costs. Let's take a look at three of these options.
#1. Try to get Group Health coverage through your employer - If this is available it's almost always your best option. The reason for that is because your boss is paying for part of your costs and also that there's buying power in numbers. The more people buying then the more coverage you'll get for less. Take advantage of it if it's available, because no matter what I can almost guarantee that you'll pay more by buying it privately.
#2. Consider reducing your coverage amounts - This is nerve wracking, with good reason. This means that you would actually sit down with an agent and slice and dice your policy coverage until it was more affordable. I honestly don't recommend doing this, but it is an opyion. Keep in mind that there's only so much you can reduce.
#3. Raise your deductible substantially - Other than #1, I recommend this as my second choice. You see, no matter whether you have health insurance or not you can almost always plan on spending something out of your own pocket. This can be an annual deductible, co-payment, prescriptions, etc. What you're doing by raising the deductible is basically saying to yourself "I can handle the basic doctor visits and prescriptions in exchange for having a policy and being covered for major emergencies". That's not a bad trade off. Also, your premiums will be much lower. This will make those out of pocket costs more affordable.
Bottom line - If you're in need of a low cost health insurance plan then grab a few free health insurance quotes, do some comparisons of the coverage provided and prepare to get the ball rolling by speaking to an agent. Don't put it off any longer!
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Stacy and mom again
By: lover454 | 23-11-2007
Two days ago (Wednesday, November 20, 2007) at lunch time when Stacy went to the 99 cent store she brought 25 rings (three styles in every color). Any way Stacy started to think about the two times when her mom said the following: (a) Stacy and her mom were at a crafts fair and Stacy was looking at rings and Stacy had a few in her hand and her mom said "how many are u going to buy" Then later on her mom said she did not care what or how much Stacy brought. Her mom told her that the only reason she did not want Stacy to buy the rings was because they were ugly. (They were ugly and that was why Stacy put them back and did not buy the rings) ((THIS INCIDENT HAPPENED OVER THE SUMMER)) (b) Stacy went to a 99 cent store with her mother because Stacy wanted to see about purses (some stores sell beautiful purses for $1.69 - parachute material similar to LeSportac). Stacy has a lot of purses at that price to. Any way as Stacy was taking the colors Stacy wanted her mother grabbed them out of Stacys hand. Later on Stacys mom said that the reason why she grabbed them out of Stacys hand and said that Stacy didnt need more was because she wanted to leave the store. (THIS HAPPENED A YEAR AGO) However, when Stacy and her mom were eating dinner on Wednesday, November 20, 2007 Stacy said to her mom do you care that I brought 25 rings today and her mom said no it is your money buy whatever you want. SO of course Stacy called me and I told her that she is reading way to much into this and her mother really does not care.MY question: (1) What do you think - Is Stacy reading to much into those two incidents I wrote in red above and (2) do you concur with what I told her.
Stacy and her conversation
By: lover454 | 22-11-2007
Last Friday (11/16/07) the manager of the 99 cent store (which is located in the neighborhood where my friend Stacy works) told Stacy the guy who supplies the jewelry will be at his store on Saturday (11/1707). So when Stacy came home she told her mom that Saturday (11/1707) she was going to go to the 99 cent store. Then again on Saturday (11/1707). she told her mom that she is going there and during the course of the conversation her mom said the following (at different times):(a) So come with me to where I am going instead of going there (b) You can check out the jewelry on Monday. But when Stacy said to her: What happens if I did not work in the neighborhood where the 99 cent store is and I wanted to go to the 99 cent store her mom replied that is different but you work there so you can go any time. However, Stacy didn't tell her mom the following: that if Stacy did not go on Saturday Stacy would miss all the new things the supplier was putting on the wall because other customers would come in and buy before Stacy had the chance to see it. (Stacy did go to the 99 cent store). Stacy called me last Sunday and told me the conversation and asked me if I thought that her mother was discouraging her from going to the 99 cent store when she wasn?t working. I told her no that isn?t what she saying. I told her that all her mother said was Stacy you can go any time you want but it is easier for you to go during your lunch hour but if you did not work in that neighborhood then you would go on the weekend. MY QUESTION: Is Stacy making a mountain out of a mole hill; and (2) do you agree/concur with what I told Stacy?
What is polyp in the womb. Does fertility ...
By: orenmd | 22-11-2007
What is polyp in the womb. Does fertility treatments have any connection to it? Why it happens?
Why do we eat Turkey on Thanksgiving?
By: Jassygr | 22-11-2007
Why do we eat turkey on Thanksgiving? What is it about turkey that makes you so tired? Is it unhealthy to eat in large amounts?
I would like to help a family bring a baby into ...
By: roricksmom | 21-11-2007
I would like to help a family bring a baby into the world, not my baby but their baby, I've had 3 wonderful pregnancy's and want to help. I heard in NY state you cant get paid for the service, is this true?
Ex-Alabama Star Involved in Deadly Car Crash? Who will be punished?
By: muscleguy | 21-11-2007
A van driven by former University of Alabama football star Siran Stacy was struck by a pickup at an intersection and six people were killed, including Stacy's wife and four of his children, state troopers said Tuesday.The driver of the second vehicle also was killed, said Dorris Teague, a spokeswoman for the state troopers.Stacy, 39, a star running back for Alabama during 1989-91, was listed in stable condition in surgical intensive care at Flowers Hospital in Dothan. He was the first pick of the Philadelphia Eagles in the 1992 draft, but never carried the ball in the NFL.State trooper Sgt. Tracy Nelson said the pickup was on the wrong side of the road when it struck Stacy's van on the passenger side late Monday at an intersection on U.S. 84 about six miles west of Dothan."He hit them broadside, T-boned them at the intersection there," said Houston County Coroner Robert Byrd."I've never had anything like that in my life and I've been doing this for 20 years," Byrd said. "The truck that hit the car was on the passenger side and the impact was substantial."Stacy's 3-year-old daughter, Shelly, was taken to Children's Hospital in Birmingham, which did not release her condition.Byrd identified the victims as Stacy's wife, Ellen Stacy, 36; children Lequisa, 18, Bronson, 10, Sidney, 8, and Ellie, 2, all of Newton in southeast Alabama; and pickup driver Adam W. Wayman, 29, of Dothan.My question is this: since the driver who caused the accident was killed, who gets punished for causing the deaths of most of Stacy's family? And if it's found out that the driver was intoxicated on drugs or alcohol, will this change the circumstances of who/what will be given to Stacy's family?
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