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Lower Family Care Costs

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Reduce Family Care Costs:

Managing Your Family Insurance Costs

How much insurance? That depends on your obligations and your total need. Don't over insure.

Many households obtain insurance benefits from their employers, which may cover medical, life, disability, and in some cases, child/elder care and veterinarian services.

But as insurance costs increase, many employers are shifting larger percentage costs to the employee. You need to estimate how much insurance you need to adequately cover your needs without paying excessive insurance fees.

 

About Life Insurance

Let's start with this resource center for life insurance information:

How much insurance should you get:


Find the right insurance at the right price.

Listed are some top sites to search and compare insurance:

  1. Receive a quick, FREE online quote by completing a simple 1-page inquiry form.
    http://www.insurancetracker.com/

  2. Life Insurance Advisor provides a nationwide network of life insurance experts providing custom quotes from major life insurance companies.
    http://www.lifeinsuranceadvisor.com

  3. Specialized life insurance:

 

About Health Insurance

Start with this resource center for health insurance information:

Additional information about health insurance — from ebix.com:

http://www.ebix.com/links/...


Analyzing the right insurance for the right price. Key sites to search and compare insurance:

  1. Receive a quick, FREE online health insurance quote by completing a simple 1-page inquiry form.
    http://www.insurancetracker.com/

  2. The health plan premiums are the same regardless of where you shop because health plan premiums are regulated in every state. The advantage of this site is side-by-side comparison of benefits and coverage.
    http://www.ehealthinsurance.com

  3. From Quotesmith.com:
    individual and family medical insurance

  4. Another online search and comparison:
    http://www.Netquote.com

  5. International Health Insurance:



 

Programs for reducing overall medical costs:

  • Executive Health Network
    offers a new dimension in health care...a low cost, non-insurance medical discount program that saves members money every time they use their benefit card. Members enjoy significant savings on health care needs immediately simply by presenting their card to participating providers.

    Executive Health Network

 

Health Savings Accounts (HSAs)

An HSA is a tax-exempt savings account that can be used to pay for medical care. It is commonly referred to as a medical IRA.

If you don't use the money in your HSA, the money rolls over to the next year. Any unused portion of the account after age 65 can be withdrawn for non-medical expenses similar to an IRA.

Those who qualify for an HSA:

    • Individuals who are self-employed including sole proprietors, general partners or 2% or larger shareholders of S-corporations.

    • Employees of a business with 50 or fewer employees.

    • Individuals under age 65 who enroll in a compatible “high deductible” health plan (HDHP) to make tax-free contributions

Additional answers to questions: what is a HSA:
www.1hsa.com

Find health savings accounts:
www.ehealthinsurance.com
www.quotesmith.com

www.goldenrule.com

 

Short-Term / Supplemental Medical Insurance

Short-term medical insurance is generally purchased when you are between jobs or when you are a part-time employee without company coverage:

https://www.etdbw.com/...

Supplemental medical coverage adds additional benefits to existing coverage:

Shop supplemental medical coverage:
http://www.Netquote.com
http://www.ehealthinsurance.com

Another kind of supplemental insurance is for individuals on medicare and social security benefits:
for age 65 and up

 

About Dental Insurance

Consumer's guide to dental insurance:

Find the right insurance at the right price. Some top sites to search and compare insurance:

3 Months FREE for a limited time only!

 

About Disability Insurance

Resource information about disability insurance:

 

About Long-Term Care Insurance

Consumer's guide to long-term care insurance:

  • types of coverage
  • individual vs. group coverage
  • dental plans

    www.aarp.org

Find the right insurance at the right price:

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Reduce Family Care Costs:

Medical Visits / Shopping Medical

Don't assume that you medical insurance pays the full amount. Shop your medical for best price.

Each medical visits costs you money either as a co-pay to your insurance coverage or a percentage of the office visit price.

 

Make your visits count by know exactly what to ask. Keep in mind that "YOU" are paying for this medical visit.

Come prepared with a list of questions that the doctor should answer. Don't be shy on getting your money's worth. It may save you a second visit later on.

Get medical questions and answers:
www.webmd.com

 

You should shop around for your medical service.

Even though your insurance may cover up to a certain percentage, they will only cover a certain amount. Any excess falls back onto you.

Find and compare charges among doctors. It can save you money:

shopping doctors / hospitals / health plans:
http://www.doctordirectory.com/

shopping dentists:
http://www.usadentaldirectory.com/

 

Health Savings Accounts (HSAs)

An HSA is a tax-exempt savings account that can be used to pay for medical care. It is commonly referred to as a medical IRA.

If you don't use the money in your HSA, the money rolls over to the next year. Any unused portion of the account after age 65 can be withdrawn for non-medical expenses similar to an IRA.

Those who qualify for an HSA:

    • Individuals who are self-employed including sole proprietors, general partners or 2% or larger shareholders of S-corporations.

    • Employees of a business with 50 or fewer employees.

    • Individuals under age 65 who enroll in a compatible “high deductible” health plan (HDHP) to make tax-free contributions

Additional answers to questions: what is a HSA:
www.1hsa.com

Find health savings accounts:
www.ehealthinsurance.com
www.quotesmith.com

www.goldenrule.com


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Reduce Family Care Costs:

Reducing Prescription Costs

Always asks your doctor for plenty of samples — and if you need a prescription, request a generic brand 

The rising costs of prescription drugs is forcing consumers to shop wisely using online connections to discount pharmacies and other online stores. Do your research before buying prescription medication online.

  • From the FDA: Buying Drugs Online:
    www.fda.gov/oc/buyonline

    Check the National Board of Pharmacy:
    www.nabp.net

    Drug information:
    www.nlm.nih.gov


    The following web sites are not endorsed by SayLending.com. They are provided as information for consumers researching alternative prescription medication. Users agree to use these sites at their own discretion.

 

Discount Pharmacy:

Canadian filled Meds up to 80% Less! Save on your RX!
www.fillmyscripts.com

Discount prescriptions from Canada:
www.thecanadiandrugstore.com
www.candrugstore.com/default.htm

Other discount pharmacies:
www.medzonline.com


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Lower Housing Costs:

Taking Care of Vision Costs

If you wear contacts, check the big discounts you can find online.

Vision costs include:

  1. eye exams
  2. correction lenses
  3. contacts

Many of these vision costs can be covered with the right insurance:

Receive a quick, FREE online health insurance quote by completing a simple 1-page inquiry form.

www.insurancetracker.com

 

Shop online vision care for deep discounts:

1-800 CONTACTS: for contact lenses and supplies
AC Lens - contact lenses for less another online supplier

FREE Eye Glasses and Contact Lens Reports
All kinds of eye glassware: 39dollarglasses.com


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Reduce Family Care Costs:

Veterinarian Services

Know and compare the price before making the veterinarian appointment

Veterinarian charges are becoming a major budget item for some households. Costs are rising and many new procedures are allowing pet owners to prolong their pet's lives.

 

Any reduction strategy may involve pet insurance.

Some employers offer some form of pet insurance, but most insurance must be purchased separately:

getting pet insurance:
www.petinsurance.com

dog health care information — canine deseases and problems:
www.dogage.com


Discounts on pet prescriptions:
discounts on Pet Meds


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Reduce Family Care Costs:

Changing Your Health Fitness Programs
Some fitness programs can be performed at home and on the cheap: view home exercise room

Changing Your Health Fitness Programs

Two key reasons for joining or keeping your membership in a health club:

  1. First, to keep yourself healthy and fit;
  2. Discipline yourself to keep yourself healthy and fit.

Now, you can keep yourself healthy and fit without being part of a health club. The question is whether you can discipline yourself to a regular schedule without the social interaction that a health club offers.

 

Allow us to suggest some self-fitness programs:

Online Fitness Program:
www.global-fitness.com

Articles and topics on fitness:
www.fitnessonline.com

President's Council on Physical Fitness:
www.fitness.gov

View our directory of home gym equipment and home fitness programs: click here

Need to lose weight and improve your health?
check our nBuy center for ideas

 

If these don't work for you, perhaps shopping around for a less expensive club may help reduce expense:

Search health clubs:
www.healthclubs.com

Join the YMCA:
www.ymca.net/index.jsp


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Reduce Family Care Costs:

Child and Elder Care Costs

Child Care Services

Helpful publications for parents when selecting child care facilities:

  • steps in selecting your care facility
  • selecting a quality after-school program
  • choosing care for a child with special needs
  • and more

    www.childcareaware.org

Search and compare child care services in your area:

Child and Dependent Care Expenses quality for tax deductions.

 

Elder Care Services

Complete resource information on elder care services:

Articles and resource information about long-term elder care: www.careguide.com

Search and compare elder care services in your area:

A growing percentage of elder care services are being performed in the home


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