Are you one of thousands of independent contractors that have been fortunate to afford a standard Emblem healthy New York policy over the past few years? Have you also noticed the cost of your annual renewal policy climbing to such high rates that you now question if you can continue on this track? It does appear that with each new renewal your health insurance policy costs increase, while your actual medical coverage is being reduced. Your original health insurance policy included medical prescription coverage and now it seems that it is a separate entity that you may add to your policy for an additional cost.
When you look closer you will notice that there is a strong incentive to request generic drugs when possible instead of permitting the medical physician to decide which medication is best with your circumstance. Should you decide to go with the original prescription instead of the generic equivalent your health insurance provider has the option to pay the health insurance claim or reject the health insurance claim. This will place the burden back to you and your healthy New York insurance policy becomes less affordable.
What is it that you can do to help bring down the cost of your health insurance policy for yourself? The first and most obvious step that you can consider is to talk with your health insurance provider and request a higher annual deductible. This will help to reduce the cost you pay for health insurance monthly premiums. The next option that you have is to ask for an estimate when you make an appointment with a medical physician for a specific ailment. Unfortunately, due to the increase regarding pre-existing medical conditions, all health insurance renewal costs are going up, including the Empire Blue Cross healthy NY policy.
Another option is for you to seek out the free medical clinics within your area to handle the minor medical difficulties that you may incur during the year. Obviously, this will not work with major injuries and illnesses, but it will help keep the cost down with minor ailments that arise throughout the year. Even when you are covered under a health insurance NY policy, there are times when you can visit a free medical clinic and pay out of pocket for the nominal fee they may charge. Why give your health insurance provider another reason to increase the annual cost of your next health insurance policy?