The Type Of Insurance You Get Is Up To You

When you think about it no one wants to be responsible for paying their medical bills, that's what health insurance is for. With the health insurance I have I am responsible for paying for anything below my high deductible. I am self employed and have an individual health insurance policy. To keep my premium affordable I have a $5000.00 deductible.

Don't get scared but I have to pay everything that is below my deductible. The bottom line is I am glad to be covered if something terrible were to happen to me. The trick is to keep from having to visit the doctors office as less as possible throughout the year. And how do I do that?

I think of all the money I am saving and that forces me to keep healthy. Here are some pointers that I do. These are things we should be doing anyway. It is paramount to eat healthy and maintain a good weight. Make sure you drink plenty of liquids and always take lots of supplements. Get on a exercise program and follow up on all your regular tune ups and physicals.

My policy offers negotiated pricing, Its nothing like a co payment but I get 40 to 50% discounts on visits and prescriptions. I show the office my insurance card and the bill goes to the insurance company then they bill me with the discounted rates. Its what I can afford and it feels good to have some kind of coverage. This is not for just anybody but it sure works for me. If you know you and your family are going to be at the doctors office many time a year whether it be for a pre existing condition or you have lots of children you are going to need a different plan.

If you dont like health insurance these days just wait a bit, it changes like the weather. If you can hang in there long enough who knows it may be free someday. No problem here I am covered for the whole year, what a great feeling. It was only last year that I had no health insurance but thanks to a friend (also self employed) I am in.