How to Get Affordable Health Insurance in Louisiana

knowing how to get affordable health insurance in Louisiana or anywhere else has become one of the hottest topics around today. Health coverage has become so expensive that fully 16% of all Louisiana residents can not afford coverage at all.

Let's see if we can keep you from among those who are uninsured.

Look for Group Policy. If your workplace does not offer group health then ask around at any clubs, groups, associations or organizations that you belong. Many offer group health to its members. If you do not belong to any clubs or groups that offer a medical group to ask if any of your friends or family members do. If so, see if you can join.

Joining an HMO or PPO can save you money to buy individual policies, but be aware that (especially if you join an HMO), you may not be able to see your favorite doctor. Ask your doctor if he or she is a member of an HMO if it is important to you.

Do not smoke or use chew or any other tobacco products. It's a simple fact of life that smokers and people who use any tobacco products to pay more for their medical coverage.

do not participate in violent and extreme sports or other activities that put your health at risk.

If you drive a fast sports car You May also pay more as well.

If you are overweight you will pay more for their health premiums. Insurance companies wanting to know your Body Mass Index - BMI, or - before you enter. higher BMI will have to pay more for their coverage.

The good news is, if you lose a few pounds you May be able to put down an inch or two of the BMI scale, and if not that could potentially save hundreds each year.

Can you afford to increase your co-payment every time you see your doctor? If you can increase your co-payment up to 50%, then it will save you quite a bit. If you do not see doctors very often, then this is a particularly good way to reduce the cost of coverage.

If all else fails consider buying a low-cost super-high-deductible health policy. These policies have deductible of $ 2,000 or more each year, and will not pay for any of your needs medifcal an average year. The reason people are buying these low-cost policies to protect your home and other assets from catastrophic illness or accident until the medical records of dozens or even hundred thousand dollars overnight.

Can you afford to pay a higher deductible? higher the deductible the less you pay each month. The downside is that you'll have to come up with your deductible from their purse or pocket every year - so that they can not agree to pay a higher deductible than you can actually afford

.

Buying your insurance online will always save you money, but you can not get lazy and just look at one of the sites to compare prices, because each site only compares a few companies. If you want to see the prices on all health insurance companies that offer in Louisiana, then you need to make your comparisons on at least 3 different places.

You will also need to be careful to enter correct data in the same form on all three sites, so you're comparing the same plan each time. But once you have made your comparisons on 3 different sites then your job is done, and you'll know for sure what the company will provide you with the lowest-priced health coverage.

Now you can consider yourself an expert when it comes to finding ways to get affordable health coverage in Louisiana, and save as much money as possible each month.