The next time you need a new health insurance deductible, think twice.
The average deductible on the cheapest insurance plans in the United States is currently $800.
This is far too much.
But there are some options you can consider.1.
If you already have a health plan, you can get an extra $600 to offset the deductible.2.
If your plan includes deductibles for prescription drugs, the extra $800 is the amount of the out-of-pocket cost for the drug you need to pay.3.
If a plan covers dental or vision care, it may be possible to pay $100 a month to offset a deductible.
If that’s the case, consider a dental plan, such as Blue Cross Blue Shield of Texas.4.
If an employer covers some dental and vision services for employees, the $800 you can put in will be enough to cover your deductible.5.
If there’s a deductible for an elective health care procedure or service, consider that deductible as well.
This can help you pay down the bill before you actually have to pay the cost of your procedure or surgery.6.
If all else fails, consider deducting your medical bills from your health insurance premiums.
This may be a good idea for a person who is paying his own medical bills.7.
If the deductible for your insurance plan is higher than the $600 you’ll be paying, consider getting help with the deductible by filing a claim with the IRS.
The process can take months, but it can pay off big if you’re able to meet your deductible goals.8.
If this is your first time having to pay a deductible, ask your insurance company for a discount to help you cover your costs.
If it’s not available, there’s always the option to pay by check, money order, or credit card.9.
If none of these options work for you, it’s still possible to get a discount on your deductible by signing up for a health insurance policy.
This plan usually costs less than the premiums you pay for your current plan.
You can find out more about insurance policies and health insurance coverage in the Texas Health Insurance Guide.