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.