How to Save Money and Get Discount Health Insurance in Arkansas

Health insurance is expense everywhere and Arkansas is certainly no exception. If you have been having trouble even qualifying for health insurance in Arkansas because of a pre-existing condition or other reason beyond your control, you might want to check with the Arkansas Comprehensive Health Insurance Pool, also known as CHIP, to see if you qualify for state-sponsored health insurance.

Many people in Arkansas are still left looking for their own health insurance in the open marketplace and these people are all looking for the best ways to save money and get discount health insurance in Arkansas.

If your company offers health insurance that is probably going to be the least expensive health insurance you're going to find. Group policies are almost always cheaper than individual policies.

If your company does not offer health insurance or if you are self employed then you must find other ways of reducing your health insurance costs.

One way is to increase the percentage that you are willing to pay each time you see your doctor or other health care provider. This is known as your co pay. The higher your co pay the lower your monthly premiums will be. This can be an especially good option for those people who do not see their family doctor on a regular basis.

If you smoke you need to stop. Smoking adds considerably to the cost of your health insurance. If you are overweight you will also pay more for health insurance. Losing even a little weight can put you in a lower weight category which can save you money month after month, so anything you can do to lose weight can help.

Increasing your deductible can make a drastic reduction in your monthly premium. Consider carefully how much you can afford to pay each year for your own health care - the more you can pay and the less your health insurance has to pay then the lower your premium will be each month.

If this still isn't enough consider the possibility of purchasing an ultra-high deductible health insurance policy. An ultra-high deductible policy is one with a deductible of $2,000 or even $3,000 dollars.

What good is a health insurance policy that doesn't pay anything toward routine doctor's visits or lab work or even most out-patient surgery?

An ultra-high deductible policy - which has a very low monthly premium - is purchased as a way of preserving a person's life savings, their home or other major assets. Consider what would happen if you suddenly suffered a catastrophic accident or illness.

Medical bills in the 10s of thousands, even 100s of thousands could be filed against you in a matter of days. Your home could be in danger, your life savings would be gone in the blink of an eye, and any other assets you might have would be under investigation.

An ultra-high deductible policy, with a very affordable monthly premium, saves you from all that.

Once you decide on the steps you are going to take to keep your premium low, then it's time to go online and find several of the sites that compare health care policies between different companies.

Don't take the easy way out and just make your comparison on one site. Making your comparison on just one site means that you are not really seeing the prices from all the insurance companies doing business in Arkansas.

Instead, take the time to fill out the form on at least 3 different comparison websites and then choose the best policy at the best price. In this way you can be assured that you have saved money and gotten the best discount health insurance in the entire state of Arkansas.

My recommended sites here:

Discount Health Insurance in Arkansas
50 Ways to Save Money on Health Insurance

Save Time, Money and Health - Plan Your Menu Ahead

If you're the typical American family, you're probably part of a two-couple household, both of whom work, maybe with a few children still at home. Or becoming more typical is the single working person either working outside the home or running a home-based business. Whichever category you fall into, the fact is, we are all very busy and often what, where, when, and how we eat is on the low end of the priority list.

However, with more and more information becoming evident about how what we put in our bodies affects our health, we should be more concerned with what, where, when, and how we eat. To that end, I'm suggesting a little time spent in meal planning can go a long way.

Pick some time each week when you can set aside a few hours to plan ahead. This small amount of time will wind up saving you more time-as well as money and health in the long run. Here are some suggestions on how to create a menu plan:

1. Choose the same few hours each week to plan your menu. Good times might be Saturdays from 10am to noon or Sundays from 4pm to 6pm. Pick the same time each week and it will soon become a routine once you have the planning strategy worked out.

2. Create a chart with 7 columns for each day of the week and 6 rows for 3 meals and 3 snacks. Vary this to fit your particular needs, then make 4 copies for one month. Before the last week of the month, make 4 copies for the next month. This is easy to do if you create the chart on your computer in Ms Word or Excel.

3. Fill in the blanks as much as you can with your selections for each meal. You may want to leave some spaces blank for spontaneity. Doing this will take some time as you want to consider health concerns, family members' preferences and allergies, their schedules, any budgetary or time constraints, and any other factors that may be specific to your needs. Also, you might want to experiment with one new recipe each week to add variety.

4. Economize time and resources. Planning ahead allows you to design your menu so you can, for example, bake a casserole on Sunday night and have leftovers on Monday and Tuesday. You can read the grocery store ads and take advantage of specials; you can go to the farmer's market to purchase the local produce that's in season.

5. Learn how you can eat healthier. When planning your weekly menu, you have the opportunity to start eating healthier. That might mean cutting back on red meat, adding more fresh vegetables, or introducing some new foods like tofu or salmon, that your family has never eaten before. Because there are several theories on what constitutes healthy eating, choose a few to examine and then test them on your family. It can get confusing as to whether red wine or coffee are beneficial or harmful, but let your body be the testing ground and see what fuels you and feels good to you. It's best to stay informed and see what makes sense.

Lastly, planning your menu ahead will save you time, money, and health because you'll be eating out less. The average family eats out or brings home prepared foods at least three times per week. It may seem like eating prepared food is saving time, but it's not saving money and you don't know how healthy the food is since you didn't prepare it yourself. And if you plan ahead, you will save time by being organized, with less trips to the grocery, and less meal preparation. Your family's health is worth it, isn't it?

Lifestyle Mentor, Personal Coach, Author, Educator, and Entrepreneur, David B. Bohl is the creator of Slow Down FAST. To learn more about this step-by-step strategy for Living YOUR Life YOUR way, and to sign up for his 9 FREE Tips for Finding Happiness in a Fast-Paced World, free teleseminars, free Special Report, free bi-monthly ezine and more, go to: http://www.SlowDownFAST.com

How to Save Money and Get Discount Health Insurance Michigan

As is the case in most states, buying health insurance coverage in Michigan can be confusing. There are two general types of insurance. The first is group health insurance coverage. This is the best choice because it is typically offered by an employer and results in much lower premiums for the insured. The second choice is an individual health insurance plan. If you don't have access to group insurance, this will be the route you need to take. If that's the case one of your main focuses will be how to save money and get discount health insurance in Michigan.

The type of health insurance plan you decide on will be determined by your own unique set of circumstances. If you are a single person you can expect to pay less than someone who is looking for a policy that will protect them, their spouse and their children. It's important to have a clear idea of what coverage you feel is mandatory before collecting any quotes.

Fee-for-service is the most popular type of private health insurance offered in the state. This involves the insured having to pay for every service they receive. A portion of the complete cost of the service is covered by the insurance company, and the insured is left to pay for the remainder. One of the most appealing aspects about this particular type of health insurance is that you can pick your own doctor or treatment facility. This is very important to many people.

After you've decided on a health insurance plan be careful about how you pay your premiums. You may find a discount health insurance policy only to discover that you are responsible for service charges if you decide to pay monthly. Ask about this before making any payment arrangements so you can ensure you are indeed enjoying the lowest price possible.

Recommended sites for low rate insurance

Discount Health Insurance Michigan
Recommended Ways to Save Money on Insurance

Save Money on Health Insurance - Raise Your Deductible

The Easiest Way to Save Money on Health Insurance Premiums

This is the easiest thing you can do to lower your monthly premium. But for some reason, people are hesitant to actually make the change...

Most Americans are familiar with plans that cover your office visits and prescriptions before you are required to pay toward the deductible. If you have this type of plan, your deductible will most likely only apply to other, more major services. If you are healthy and don't expect to meet your deductible in the future, this is a great way to save some money.

In my opinion, the best way to decide whether or not to raise your deductible is to add up the savings in premium between the new plan and the old plan, over a 12 month period.

An Example

As a fictitious example, let's say that my family's premium is $378 per month with a $1,500 deductible, per person, per year. If I raised my deductible to $2,500 per person, the monthly premium would drop to $294 per month. That's a savings of $84 per month, or $1,008 per year. That's enough to pay the difference in the deductible for one person in my family over the next 12 months.

Given the above scenario, it's worth it for me to raise my deductible to $2,500. If the savings were only $400 over the first 12 months, I would probably opt to keep the better coverage, because it would take me two and a half years just to save enough money to pay the difference in deductible for one of my family members.

If the math makes sense, consider making the change.

If you would like free help making changes to, or looking at new health insurance plan options, contact an agent in your local area by filling out this short form.

To receive your free copy of my eBook titled "7 Money Saving Health Insurance Tips", please subscribe to my "Valuable Health Insurance Tips and Tools" newsletter at MyInsuranceQuotes.net!

Are Life And Health Insurance Worth Spending Extra Money On?

Life and health insurance is something that everybody needs. Life can throw many bad things your way that will require coverage. Not having it will be a big mistake for anyone.

That is why you need to understand why life insurance and health insurance is so imperative. Below are the reasons that these two types of insurance are definitely worth the money

1. Unexpected things happen - Life is full of unexpected things happening. You never know when or if something will happen to you and being prepared is essential. The life insurance will protect and help your family if something happens to you.

The health insurance will protect all of you from a lot of problems you don't need. Don't ever assume that nothing will happen to you because this is a big mistake. Making this mistake can cost you everything, literally.

2. Prevents financial ruin - Life insurance will prevent financial ruin for your family. The health insurance will prevent everyone from this very real problem.

You don't want to face financial ruin at any time in your life. You most especially don't want to cause this with your family. This insurance will protect both of you from having to deal with this.

3. Coverage for you - If you should die unexpectedly, the life insurance is going to help your family. You will use health insurance all the time for every day medical coverage.

The time that this insurance will really be worth the money is if you end up with a health condition. For example, if you are told you have cancer, without coverage, you could very easily end up broke.

With the insurance you will get the health care needed without having to go broke to achieve it. Just be sure when you purchase coverage that you get the one that is right for you.

4. Medical expenses are cheaper - There are many times that you may need medical help at some time in your life. Having coverage will make your expenses cheaper. This is something that anyone can benefit from.

Medical problems can happen at any time, so be sure you are prepared. Don't assume you won't ever need it because this can be very costly for you in one way or another.

Now that you can see why life and health insurance are essential, you need to both now. The sooner you have these two types of insurance, the sooner you will be prepared for anything. Don't wait until coverage is needed because by then it will be too late to get it.

If you enjoyed this article by Jeff Schuman please visit our long term care insurance Washington website today. You will find useful information to help answer all of your questions on long term care planning in the Pacific Northwest. http://longtermcareplanningco.com/

How to Save Money and Get Discount Health Insurance in Wisconsin

By now you know the easiest way to save money and get discount health insurance in Wisconsin is to purchase a group health insurance policy. In Wisconsin, the most straightforward way to get group medical coverage is through employer-sponsored health insurance plans. Not only does this way help you save money on health care coverage in Wisconsin, but it also makes the shopping process relatively painless.

However, not all Wisconsin residents will be able to obtain affordable medical coverage in WI through employers. There are various reasons for these kinds of situations. Perhaps your employer doesn't offer health care plans for employees. Or, maybe your job does offer medical benefits but you work part-time and don't qualify. You may even be unemployed right now with no employer to turn to.

If you fall into any of the above categories, rest assured that it's still possible for you to find an inexpensive group health insurance policy. Your employer isn't your only option; there are other ways to obtain group plans and save money on health care coverage in Wisconsin.

First, contact your labor union. Many times these organizations offer group medical coverage, and if they don't, they'll probably point you in the right direction to find alternative ways to obtain Wisconsin discount insurance. They're there to help you, after all. Your employer can provide contact information.

If you don't belong to a labor union, find a professional organization designed to assist people who work in your field. Most professional organizations offer some sort of medical plan as member benefits. They may even have a designated website, or link to a website, that provides free online health insurance quotes.

Finally, check with any other clubs or associations to which you belong. These organizations include credit card companies, college and university alumni associations, and national fraternities and sororities.

For free online health insurance quotes and help finding affordable medical coverage in WI, shop with EZQuoteGuide.com.

My recommended sites here:

Discount Health Insurance Quotes in Wisconsin

Instant Health Insurance Quotes [http://www.easymedinsurance.com]

How to Save Money and Get Discount Health Insurance in New York

Did you know you could save money and get discount health insurance in New York by choosing to purchase certain kinds of coverage and opting to omit other kinds of protection? You probably did; after all, it only makes sense that paying for a portion of something is cheaper than paying for the entire thing.

However, choosing this method to obtain affordable medical insurance in NY doesn't mean you're selling yourself short in terms of health care protection. By purchasing only certain kinds of coverage, you're not only saving money on health coverage in New York - you're also making a much more practical, financial decision.

Get started by analyzing your eye care needs. If you have an eye health condition, you may not want to skimp on vision health insurance. However, even if you wear glasses or contacts, it's usually cheaper to pay for your vision tests and glasses and contacts out-of-pocket rather than having insurance take care of the costs. Many people only have eye exams once a year - does it make sense to pay additional premiums each month for a service you only use once a year? No. Opting to pay out-of-pocket for eye care helps you get more affordable medical insurance in NY.

Next, save money on health coverage in New York by evaluating your dental care needs. Much like eye care needs, many folks won't use dental insurance more than twice a year. This means it's probably much cheaper to pay for dental care out-of-pocket rather than in your insurance premiums.

By now you're probably wondering how you're supposed to make sure you have those out-of-pocket costs when the need arises. It's simple! Open a medical savings account. Many self-employed individuals are familiar with these savings accounts, and traditional employees can benefit from them, too. There's really no need to look into companies that help set up medical savings accounts for you unless you find one that offers special options. Otherwise, simply open a savings account with a great interest program and start saving!

For more information about discount health insurance in New York as well as applying for your own free online health insurance quote, check out EZQuoteGuide.com.

My recommended sites here:

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