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Healthcare expenses can cause extreme financial difficulty.
Acquiring affordable healthcare is a challenge that affects more and more Americans each month. Without health insurance, individuals and families are hit hard with the ever-increasing out-of-pocket expenses for healthcare. Healthcare expenses often escalate to the point of financially debilitating families and individuals, especially when individuals are uninsured. In fact, about 50% of personal bankruptcies are the result of medical expenses.
If you are purchasing health insurance in Baltimore independent of your employer, there are often ways to reduce your health insurance premium and out-of pocket expenses. For instance many health insurance providers give premium and out-of-pocket discounts for
- Choosing a higher coinsurance percentage, such as 70/30 or 65/35 rather than 80/20
- Choosing a higher deductible
- Limiting the amount of doctor office visits to a certain number per year, rather than having unlimited office visit coverage
- Opting for generic prescription drug coverage only, instead of generic and brand name prescription coverage.
- Using doctors and facilities that are included in your policy’s network
- Using a prescription discount card rather than prescription coverage
There are plans for every situation.
The goal in choosing health insurance in Baltimore is to figure out which combinations of coverage and cost will be the least expensive in the long run. The choice will depend on what you project to be the most likely scenario for medical needs.
In 2011 alone, approximately thirty people died from the effects of a dog bite. If you own a dog or plan to own a dog, you owe it to yourself and to your pet to make sure that you are protected. Insurance is now available to protect pet owners from liabilities that are associated with dog bites. No matter how well you train your dog, you must remember that it is still an animal and will act as such at times. It’s important to be aware of the possibilities and prepared for them. It’s worth a simple phone call to get Florida dog bites quotes and make sure you are protected.
If your dog is left out and bites someone, whether it be a child or an adult, you may be held liable for any damages that are a result of that dog bite. That means that any medical expenses incurred by the victim will become your responsibility. If the victim decides to take you to court, they may be awarded damages that can ruin you financially. Why take the risk, when it’s a simple matter of a phone call to get Florida dog bites quotes, and you can protect your assets for less than a hundred dollars a year per dog. That’s less than ten dollars a month to obtain your financial stability and your peace of mind. Don’t risk your future on the chance that your pet will behave – purchase dog bite insurance to make sure you’re protected.