Health Insurance = saving future

Here are some tips on Saving Money on health Insurance:
1. Use a plan with a higher deductible - If you can save $700 a year on health insurance by increasing your deductible by $1,000, you would have to be crazy not to do so. After Year on the plan, you have already made back the $1,000. Always ask how much the next highest deductible is and do the calculation.
2. Physician co-pays sound great. But, they cost you a lot of money each month to have them and don't save you as much as you think. - If you stay within the PPO network, you are entitled to the discounted rate for office visits. A physician visit might be $50 to $60. Eliminating the office co-pay feature could save you $500 to $800 a year. You would need to have 20 to 30 office visits a year to make the co-pay feature worthwhile. It sounds better than it is. You will soon realize that paying for the privilege of seeing the doctor for $35 is no big deal.
3. Use a plan with a prescription deductible - Florida health insurance carriers are going to really soak you for brand name prescription coverage. Most generics are fairly inexpensive and by having a deductible for brand name or non-generic prescriptions, you will save a lot of money on premiums. Most plans have a co-pay for generics and impose a calendar year deductible for brand name drugs. If you try to remove the brand name deductible, the premiums shoot up. As is the case with the physician co-pays, the insurance carrier wins every time.
4. Work with an agent that offers plans from many different companies - Captive agents who sell for one company cannot offer you the selection you need. Be careful, a lot of them will tell you that they have many different plans, but in truth, they are from the same company. Most of these characters have plans with huge association or signup fees. By Rick Gonzales.