| Knowing how to get affordable health insurance in | | | | co-payment to 50% then you will save quite a bit. If |
| Louisiana or anywhere else has become one of the | | | | you don't see your doctor very often then this is an |
| hottest topics around today. Health coverage has | | | | especially good way to reduce the cost of your |
| become so expensive that fully 16% of all Louisiana | | | | coverage. |
| residents can't afford coverage at all. | | | | If all else fails consider purchasing a very low-cost |
| Let's see if we can't keep you out of the ranks of | | | | super-high deductible health policy. These policies have |
| those who are uninsured. | | | | a deductible of $2,000 or more each year and will not |
| Look for a group policy. If your place of work doesn't | | | | pay for any of your medifcal needs in an average |
| offer group health then ask around at any clubs, | | | | year. The reason people buy these low-cost policies is |
| groups, associations or organizations that you belong | | | | to protect their home and other assets from a |
| to. Many offer group health to their members. If you | | | | catastrophic illness or accident that runs up medical bills |
| don't belong to any clubs or groups that offer group | | | | into the tens or even hundreds of thousands of dollars |
| medical ask if any of your friends or family members | | | | overnight. |
| do. If so, see if you can join. | | | | Can you afford to pay a larger deductible? The larger |
| Joining an HMO or a PPO can save you money over | | | | your deductible the less you pay each month. The |
| buying an individual policy, but be aware that (especially | | | | downside is that you will have to come up with your |
| if you join an HMO) you may not be able to see your | | | | deductible out of your own purse or pocket every |
| favorite doctor. Ask your doctor if he or she is a | | | | year - so you can't agree to pay a larger deductible |
| member of an HMO if that is important to you. | | | | than you can actually afford. |
| Don't smoke or use chew or any other tobacco | | | | Buying your health insurance online will always save |
| product. It's a simple fact of life that smokers and | | | | you money, but you can't get lazy and just look at one |
| people who use any tobacco product pay more for | | | | of the price comparison websites because each site |
| their medical coverage. | | | | just compares a handful of companies. If you want to |
| Don't take part in violent or extreme sports or other | | | | see the prices at all of the companies offering health |
| activities that put your health at risk. | | | | insurance in Louisiana then you'll need to make your |
| If you drive a fast sports car you also may pay more | | | | comparisons on at least 3 different sites. |
| as well. | | | | You'll also need to be careful that you enter the exact |
| If you are over-weight you will pay more for your | | | | same information into the form on all 3 websites so |
| health premium. Insurance companies want to know | | | | that you are comparing the same plan every time. But |
| your Body Mass Index - or BMI - before you enroll. | | | | once you've made your comparisons on 3 different |
| The higher your BMI the more you'll pay for your | | | | sites then your job is done and you'll know for sure |
| coverage. | | | | which company will provide you with the lowest-priced |
| The good news is, if you can lose even a few pounds | | | | health coverage. |
| you may be able to drop down a rung or two on the | | | | You can now consider yourself an expert when it |
| company's BMI scale and if you do that it could | | | | comes to finding ways to get affordable health |
| potentially save you hundreds each year. | | | | coverage in Louisiana and saving as much money as |
| Can you afford to increase your co-payment every | | | | possible month after month. |
| time you see your doctor? If you can increase your | | | | |