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• Be sure that the carrier is reliable. No matter what the price, it's not worth paying for if it's not there when you need it. You need to be sure that you are getting something that you can count on. We do not allow any insurers on this website unless we deem them to be reliable and of good reputation.
• Understand what you are buying. If it does not pay the way you expect it to, you are set up for disappointment as soon as you apply. If there is anything that you do not understand, don't hesitate to call or email us for an explanation.
• Compare before deciding. Some people shop the lazy way and buy the first thing that sounds good, especially if they are meeting personally with a salesperson who seems sincere. What if the salesperson is sincere, but ignorant? Conscientiously doing comparisons allows the best decision to be made, and at the same time, may add to better understanding of what you are buying.
• Spend time effectively. Don't waste time trying to find a lower price for the same plan from the same company. Insurance is a contract between you and the insurance company, so the premium price is always the same no matter who helps you apply. Instead, invest your time in understanding and comparing between plans and companies. Please contact us if you need help.
• Price versus benefits. Generally, the more out-of-pocket you are prepared to pay if you have medical expenses, the lower the premium the insurance company will charge. So you have to weigh carefully which option you will feel most comfortable with, e.g., is it worth paying more per month to have physician office copays that you probably won't use much? Would you feel okay about having generic prescription coverage only in order to reduce the monthly premium?
• Consider an accident rider. What about taking a higher maximum out-of-pocket exposure to get a lower premium and supplement the plan with an accident rider. They are available up to $10,000. Your out-of-pocket for accidental injury could be covered by the rider and you would only have to meet the higher out-of-pocket amount in the case of sickness. If you could use an extra tax deduction, and there is a significant difference in premium, this may be a good combination with an HSA-qualified plan.