Do you need a cheap PPO health insurance plan? If so, there are a number options available to assist you in lowering the cost. Unfortunately,none of these options seem to be pleasant, however, in the case of belonging to a ppo health insurance plan or not, it's better to have at the very least a little protection. You have a couple options.
1. Lower the coverage. Having some coverage is more desireable than having none at all. You can strip down the coverage by removing amounts that your plan covers. Ie., there are ppo health insurance policies that are more inexpensive because there is just the bare minimum coverage. Although it is very unfortunate that you probably won't have enough covereage if you get into a situation that requires long term care, having even a little bit of coverage will save you some money. To some, this choice may seem silly or not worthwhile. It's important to realize that the greatest proportion of bankruptcies in the USA stems from inability to meet huge medical bills. With partial coverage, your family might be able to avoid this.
Number two. You have the option to raise your deductible to the max. By doing this, you will be paying virtually all of your common medical cost from your own budget. Are you already doing this? Some thought might give you a positive answer to that question. Have you been to the doctor this year? If so, how many times? In the past twelve months, do you know the number of times you attended? With a deductible between $250-$500 you will probably have to pay it at least twice.This was most likely a self-pay, wasn't it? As you have read in the example above, the maximum deductible is there to protect you. Put away $400 for this.Save a set amount for ppo doctor visits and don't allow it to be used for anything else. Large families receive even more. These ideas are suggestions, and are not the only options available to you. I am aware that alot of skeptics will argue over these options and that's ok. As you look for cheap health insurance, I suggest you approach it with an open mind.
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