| Is the rising cost of health insurance getting you | | | | start paying anything. An example of this would be |
| down? Don't feel alone. There are currently millions of | | | | was called 80/20. This means that you'd pay the first |
| uninsured Americans who simply can't afford to pay | | | | 20% of the of the costs of your visit to the doctor |
| the outrageous premiums to get medical coverage. | | | | and the insurance company would cover anything up |
| Fortunately, most states will step up and help | | | | to that. So the cost of $100 for your medical needs |
| low-income families cover their children at least, but | | | | then you would be expected to pay $20 and the |
| what happens if mom or dad gets sick? Who's going | | | | insurance company would take care of the other |
| to pay the bills than? What if the breadwinner of the | | | | $80. You'd only pay up to a maximum amount every |
| family, whether it's mom or dad, is unable to work | | | | year on your deductible deductibles vary anywhere |
| anymore and they run up large amounts of medical | | | | from zero to $5-$10,000. The higher deductible you |
| bills? The system simply isn't working anymore, | | | | carry on your policy, the lower your monthly |
| however, there are a few things we can do to keep | | | | payment will be, however, if you carry a high |
| our monthly premiums manageable, for those of us | | | | deductible this means that you will be paying a large |
| who can afford to make minimum payments to have | | | | portion of your everyday medical care out-of-pocket. |
| a health insurance policy. With take a look at some of | | | | If you could possibly set aside enough money that |
| those. | | | | would equal your annual deductible amount you would |
| There are things you can exclude from your health | | | | be in very good shape because the average person |
| insurance policies that will decrease your monthly | | | | only see the doctor once or twice a year. This would |
| cost. This is the case on all policies so you'll need to | | | | make your payments minimal, your out-of-pocket |
| look around but it is possible to do. | | | | costs would be covered if you have the money set |
| Another thing you might consider is to raise your | | | | aside and you would be covered in case of any |
| deductibles. The deductible is the amount of the | | | | major medical emergency. Just another option to |
| insurance company expects you to pay before they | | | | think about. |