10 Ways To Reduce Yuma Insurance Health Costs

by Steve

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There may be no easy answers as to why Yuma Insurance costs are rising at somewhat alarming rates, but there are many contributing factors.

Your premium increases are directly related and are passed on from the many rising doctor, hospital and additional medical costs that exist.

Contributing Factors

Here are some of the contributing factors to your rising health costs:

  • Drug costs
  • High tech machines and processes that cost a lot
  • Inflation
  • Less hospital admissions
  • Government pays less – shifting the cost to you
  • Aging population
  • Chronic illnesses
  • Litigation against doctors

Of course, there are many more, but these are some of the most troubling issues that continue to raise the costs related to your health care.  One of the most obvious ways to get your personal health care insurance costs under control is to assume a higher deductible.  This can take more of the burden off of the insurance company, meaning they are able to then charge you less for your premiums.

Another option is to opt for higher co-pays.  When combined with a higher deductible, a higher co-pay can reduce the premiums from the insurance company.  What you want to do is see if, instead of paying $20 per visit, if the plan has an option for $30 or more per visit.  Depending on how many office visits you usually make over the course of a year, you may be able to save quite a bit over the life of the policy in premiums charged.

You can also take these 10 suggestions into consideration for reducing your health care costs:

  1. Negotiate high medical bills or procedures
  2. See if you qualify for tax breaks on your medical bills
  3. Only use Emergency Rooms for actual emergencies where you have no other recourse
  4. Utilize home health care
  5. Take advantage of second opinions in nearby cities or states
  6. Ask questions about any ordered tests or procedures
  7. Take your dental x-rays to the next dentist
  8. Use free clinics when you can
  9. Use order by phone or mail prescriptions
  10. Research and USE ways that you can stay as healthy as possible – including eating right, exercising and stress management techniques such as meditation and regular messages etc.!

The best way to control your rising health care costs is to not be passive about your involvement any longer.  Take control by being assertive when it comes to the health of your family and do what you can to be one step ahead.  Plan for upcoming issues the best you can, such as reading up at your local library or online about health concerns before scheduling an appointment with your doctor.

Always remember that YOU pay the doctors, nurses and other health care providers salary through your hard work, insurance premiums and co-pays.  Do not be intimidated into not asking questions and accepting whatever they say.  The best thing to do is to take control of your Yuma Insurance and ask enough questions so that you understand what happens next and any options available to you.  Your health is in your hands!

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