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When it comes to insurance, many people face the Goldilocks dilemma: Am I buying too much coverage, not enough, or just the right amount?
How do you determine your proper insurance levels while ensuring you don’t waste money on unneeded coverage – or worse, leave your family exposed?
Everyone needs medical insurance. One serious accident or illness could wipe out your savings and plunge you into debt or bankruptcy. If covered through your employer, carefully compare all plans offered. The one with the lowest premium may not be your best option. Consider how other factors add up – deductibles, copayments, allowed/disallowed benefits, out-of-network charges, medication charges, etc. Also compare options available through your spouse’s job.
If you’re not covered, explore other options: If recently laid off, ask about COBRA continuation coverage through your former employer. If under age 26, you may be able to enroll in a parent’s plan.
High-deductible plans provide comprehensive coverage for catastrophic illnesses at much lower premiums than comparable low-deductible plans. Most states provide high-risk insurance for people who don’t qualify for private insurance. It’s costly, but no one can be denied.
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