When a resident of Washington State is deciding where to turn for health insurance coverage all the information out there can be confusing. Trying to find a plan that provides all the coverage needed at the best rate is challenging. If you are not one of the individuals who qualify for the Washington State Health Insurance Pool, you need to know a few basic facts to help you in your quest for affordable health care coverage:
• Many health insurance plans offer a discount if the individual seeking coverage has a gym membership or is active in exercise classes or regularly gets massages. Any of these can make a difference in the cost of premiums.
• Ask several different health care insurance companies for a quote on exactly the type of coverage you need. Once you have those quotes you can compare them with one another to see exactly which one really does offer the best rates. When you take this approach ensure that the quotes are reflective of the same coverage options.
• Certain pre-existing conditions can raise the cost of your health insurance premiums. These include being overweight, smoking and having high cholesterol. Being active in changing those things can really put a dent in the cost of premiums.
• Remove any children who have coverage at their own jobs or schools. Many college age students have health coverage either through school or a part-time job. If this is the case, have them taken off your policy. Your premiums will reflect this.
It’s imperative to have ample coverage to protect you in the event that someone in the family becomes ill. Although you’ll probably be tempted to cut corners when it comes to health insurance costs, don’t. You can find the coverage you need at a price you can afford. The trick is knowing what to look for.