Seven Extraordinary New Ways to Make Tennessee Health Insurance Cost Less in 2012

Jan. 17, 2012 - PRLog -- Many Tennesseans pay much more to meet deductibles or buy prescriptions their plan doesn’t cover than they do to pay for health insurance premiums. Wiley Long, president of eTNHealthinsurance, claims that savvy shoppers who know what to look for and what to watch out for can get more health insurance in 2012 without paying more for it. From how to compare coverage (www.eTNHealthinsurance.com/how-to-guide.htm) to resources that cut out-of-pocket costs for health care that insurance doesn’t cover (www.eTNHealthinsurance.com/additional-benefits.htm), eTNHealthinsurance has seven ways to make the most of health insurance in 2012.

1.   The biggest risk in health insurance usually comes from limited coverage. Plans that work fine when one enjoys good health may carry a lot of exposure when an accident or illness strikes. Determining what a policy really covers means reading the small print, such as what the maximum out-of-pocket limit does not include. Tennesseans may be surprised to find they could have to pay for a lot more than the stated out-of-pocket limit.

2.   An easy way to miss savings and increases in mandatory coverage is to keep the same plan for years without analyzing new options. Long urges, “Everyone should see whether they can get better coverage at least once a year. That’s why eTNHealthinsurance provides an annual comprehensive policy review. With all of the changes in health insurance scheduled in coming years, it’s now more important than ever.”

3.   Tennesseans have been moving to coverage with a higher deductible in exchange for lower monthly premiums. Many haven’t heard that they can effectively remove that deductible on medical care for an accidental injury with a low-cost accident health plan.

4.   They also need to be aware that deductible does not always mean exactly the same thing.  A plan with an embedded deductible, for instance, has both an individual deductible and a family deductible. This allows each member of the family to have their medical bills paid prior to the entire family deductible being met. Certain plans also automatically decrease the deductible for each year that health care expenses remain low enough that the deductible is not met.

5.   One way to avoid meeting the deductible is to use wholesale services like discounted imaging scans and lab work available at www.eTNHealthinsurance.com/member-benefits-lab.htm. There are also several options when it comes to prescriptions, but reliable mail-order at overseas prices offers the most significant savings. One such resource is available at www.eTNHealthinsurance.com/additional-benefits-rx.htm.

6.   Tennesseans also typically find lower prices for doctor services from those who are considered to be in-network. That means they have already agreed to negotiated rates that keep the insurance company’s costs down.

7.   The final solution is to find savings outside of medical care, such as by paying lower income taxes. There is a form of health insurance known as health savings account plans that makes out-of-pocket health care costs tax deductible. These plans also keep money spent on health care from being taxed and let Tennesseans earn tax-free interest whether they need their savings for health care or keep the money for retirement.

Many out-of-pocket costs can be reduced or completely avoided once savvy shoppers know how to expose potential expenses that may be hidden in policy language. Unavoidable out-of-pocket costs can be minimized by using wholesalers both locally and from overseas. The coming year doesn’t have to include escalating health care costs if the above strategies are used to offset higher premiums. eTNHealthinsurance publishes more educational resources to help Tennesseans get better health care at http://eTNHealthinsurance.com/.

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About eTNHealthinsurance:

eTNHealthinsurance has become a leader in providing educational resources that enable Tennessee families, individuals and small businesses to keep their healthcare costs low. Online research of how to keep premiums low is available at http://www.eTNHealthinsurance.com/how-to-guide.htm and http://www.eTNHealthinsurance.com/health-savings-accounts....

eTNHealthinsurance also provides extensive tools to lower healthcare costs that are not covered by insurance at http://www.eTNHealthinsurance.com/additional-benefits.htm.

Tennessee small business owners, self-employed and residents seeking individual health insurance plans may use eTNHealthinsurance’s instant quotes and online applications. They may also schedule consultations with expert independent advisors to compare coverage options by calling 1-877-224-2052 from 8 AM until 10 PM Central.