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Contact Utah Insurance Solutions: Bret Harding (801) 372-2647
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Utah Insurance Solutions December 2009
Greetings From Utah Insurance Solutions,
Utah Insurance Solutions would like to wish you and your family a very merry Christmas, and a happy and prosperous New Year!! We would like to thank each one of you for making this a great year for us here a Utah Insurance Solutions! In closing out 2009 many of you are making changes to your current Utah health insurance plans, or want to purchase a new health insurance plan. Utah Insurance Solutions would be honored to help you out; however, you must contact us by Friday December 11th to make you plan effective January 1, 2010.
To help us save on your 2010 Utah health insurance plans we're given you some cost savings tips:
5 Ways to Reduce Your Utah Health Insurance Premium
By Bret Harding
1. Drop the Supplemental Accident Benefit
If this benefit is part of your current policy, it is now optional, and you can drop it if you don’t find it useful. The Supplemental Accident benefit covers the $1,000 of an accidental injury at 100 percent. After that, any remaining deductible, co-pays, and coinsurance apply. Without this benefit, your regular benefits still apply for accidental injuries, so you still have some level of coverage.
2. Switch to a Plan with a Higher Deductible
In most cases, this results in a lower premium. Many people who are generally healthy choose these so they have coverage for major things if they happen. Otherwise, they are willing to pay for the occasional small service out of pocket. Certain high deductible health plans are qualified to be paired with a pre-tax Health Savings Account (HSA). You can use this account to cover deductible, co-pay, and coinsurance amounts when you use your plan.
3. Change Your Benefit Level
If this benefit is part of your current policy, it is now optional, and you can drop it if you don’t find it useful. The Supplemental Accident benefit covers the $1,000 of an accidental injury at 100 percent. After that, any remaining deductible, co-pays, and coinsurance apply. Without this benefit, your regular benefits still apply for accidental injuries, so you still have some level of coverage. If you are on a higher-level plan (no deductible for prescription drugs, office services, or ER) or a mid-level type plan (no deductible for office services or ER), switch to a base-level style plan where a deductible applies to most services first.
4. Re-apply
Do you rarely use your insurance? Have you been on your plan for over two years? Are you generally in good health? If the answer is ‘yes’ to all of these, you may benefit from a reapply. You can reapply for the same plan you are currently on, or a different one. There is no risk for doing this. If you don’t like the new rate offer, you can keep your current plan and rate.
5. Change Your Current Insurance Provider
We have five main providers in Utah: Human, Altius, Assurant, Blue Cross Blue Shield, and Select Health to choose from, depending on where you live in Utah (not all providers are available in all areas). Remember before switching to another provider to always verify whether or not your favorite doctor has chosen to participate on your new chosen plan before you switch.
Get Started Today! Visit: www.UtahInsuranceSolutions.com