| I'm sure you've heard of the dozens and | | | | your insurance company will charge you each |
| dozens of websites out there that will allow | | | | month. |
| you to compare health insurance policies | | | | |
| between different companies so that you can | | | | In fact, some people elect to purchase |
| find the best rate with just the push of a | | | | super-high-deductible health insurance |
| button. | | | | policies. Many of these super-high-deductible |
| | | | policies have deductibles of $2,000 or even |
| While these sites are great, and I will be | | | | $3,000, with relatively low monthly premiums. |
| recommending that you visit several of these | | | | This means that in a normal year these |
| sites in just a moment, there are a few | | | | insurance policies may not pay even a penny |
| things that you need to do before jumping | | | | toward doctor's visits, lab work, or even |
| online if you really and truly want to find | | | | simple out-patient procedures. |
| the cheapest health insurance here in New | | | | |
| Hampshire. | | | | Where these policies become indispensable is |
| | | | in the event of a major catastrophic illness |
| Let's start with the fact that if you live in | | | | or an accident, the kind that creates medical |
| New Hampshire you need to be aware of NHHP, | | | | bills of tens or even hundreds of thousands |
| or the New Hampshire Health Plan. If you have | | | | of dollars. Just one major accident or |
| been denied coverage from private insurance | | | | illness could wipe out years of life savings |
| companies, especially if you have been denied | | | | and even put your home in jeopardy in almost |
| coverage because of any pre-existing | | | | less time than it has taken you to read this |
| condition, then you need to consult the New | | | | article. |
| Hampshire Health Plan website at | | | | |
| | | | You've looked at your copayment needs and |
| But whether you qualify for NHHP coverage or | | | | you've calculated the highest deductible you |
| not, you still want the best possible monthly | | | | can afford, so now it's time to get online |
| premium payment and to get that you really | | | | and find at least three different websites |
| need to take a few simple steps. | | | | that let you compare different health |
| | | | insurance policies from different insurance |
| First, decide on what kind of a copayment you | | | | companies head-to-head, so you can see for |
| can afford each time you visit your doctor's | | | | yourself which policy has the most coverage |
| office or each time you have lab work or | | | | for the least amount of money. |
| other medical procedures. If you can afford | | | | |
| to increase the size of your copay, to, say, | | | | Don't be fooled into thinking that you've |
| 50%, you can greatly lower your monthly | | | | found the best deal just because you've |
| premium payment. | | | | looked at one website. The site you looked at |
| | | | does not compare every insurance company out |
| This can be especially beneficial to people | | | | there. The only way for you to know for sure |
| who do not see a doctor on a regular basis. | | | | that you've gotten the cheapest health |
| | | | insurance available in New Hampshire is to |
| Probably the most dramatic way you can lower | | | | fill out the forms and make the comparisons |
| the monthly cost of your health insurance is | | | | on at least three different sites. |
| to increase your deductible. When you | | | | |
| increase your deductible you increase the | | | | It takes a little extra time to make all of |
| amount of money that you will pay each year | | | | the necessary comparisons, but the result is |
| for your own medical needs before you ask | | | | that you now know, beyond a doubt, that you |
| your insurance to start paying its share. The | | | | have gotten the cheapest health insurance |
| more you are willing to pay - in other words, | | | | possible in the entire state of New |
| the higher your deductible - then the less | | | | Hampshire. |