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 Posted: Mon Aug 17, 2009 7:19 am Post subject: To keep health insurance costs under control |
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Is there anything that we can do to keep our health insurance costs under control? Any mistakes that we may avoid?
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Plasticmind
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| Posted: Fri Aug 21, 2009 9:56 am Post subject: |
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Hi, there are three important things that you need to do-
- Check out your overall medicare costs
- Check out your health insurance needs
- Get the right insurance deductible
Steven |
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steven
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Joined: 02 Feb 2006
Posts: 1553
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JTInsure
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Joined: 30 Apr 2009
Posts: 76
Location: Ohio
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| Posted: Tue Aug 25, 2009 7:22 am Post subject: |
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Hi,
It's quite a popular belief that the healthcare costs would comprise of the premiums that we pay. But we do forget so many charges that come to us in the form of co-pays, deductibles and other associate charges that we need to bear.
That's the reason why a plan with a much lesser premium may sometimes be regarded as a costlier plan than the one which has a higher premium.
You'll arrive at your estimated cost of health care, once you add the different estimated costs to your yearly premium. Pinkfloydfan
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Pinkfloydfan
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| Posted: Mon Sep 07, 2009 3:26 am Post subject: |
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I think the innovation drives health care costs up. However it also improve medical care quality. The situation that were fatal 20 years ago, at present it can not affect a person's lifespan. People who were have to sit on wheelchairs before and now they can walk and even run marathons today. Innovation is a good thing. Increased medical care quality is a good thing.
And the important is that it must be happy spending on health care. If I can spend 30% of my income on health care, I can find the equal insurance cost. People need more exposure to more routine health care costs. I think higher deductibles and basicly on what scope of coverage to purchase. Furthermore, how would someone know that how much they paid for the illness. The individual needs to perform a cost-benefit analysis of what health care gives her returns. |
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kevinll
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