Tips to Help You Lower Your Medical Insurance Premiums
• If you're married and both spouses work at jobs that provide medical insurance, compare these policies and their costs to see which one best fits your needs. Look beyond the monthly amount you must pay and closely evaluate covered services, co‐pay requirements, deductibles and reimbursement levels so that you make the best choice for your family and your pocketbook.
• Stay in‐network when possible, making sure to get referrals and pre‐certifications as required by the plan.
• Keep all receipts for medical services, whether in‐ or out‐of‐network. In the event you exceed your deductible, you might qualify for a tax deduction for out‐of‐pocket medical bills.
• Consider opening a flexible spending account, if your employer offers one, which allows you to set aside pre‐tax dollars for out‐of‐pocket medical expenses.
Dec 3, 2008
Tips to Help You Lower Your Medical Insurance Premiums
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