There isn’t anything simple or straightforward about shopping for New Jersey health insurance, no matter what you may have been told (or promised) in the past.
The overwhelming majority of folks in New Jersey have discovered just how challenging this process can be firsthand, and even those that used to have fantastic coverage are discovering that they may not be quite as well taken care of as they used to be – even though they are paying a lot more now than they ever were before.
It is mission critical that you take advantage of everything that the best plans have to offer. At the same time, however, you need to be 100% certain that you aren’t paying a single penny more for top-notch coverage than absolutely necessary.
And that’s where this quick guide comes into play.
We are going to be able to share information with you below that helps you secure the best possible offer available at prices that fit every budget unimaginable. It may take a little bit of extra time, but that extra time is definitely going to be worth it in the short and long term.
You’ll be able to save a boatload of money while at the same time enjoying amazing coverage you simply wouldn’t have had access to otherwise.
Here are some of the major mistakes you need to avoid when shopping for coverage today!
DON’T just do whatever you did last year and hope for the best
A lot of people believe that health coverage in New Jersey (or anywhere else, for that matter) is a “set it and forget it” kind of proposition.
Nothing could be further from the truth.
You need to make sure that you aren’t just hoping that the same policy you had last year is going to be just as rock solid this year, but you also need to make sure that you aren’t paying more for the same coverage that you had last year with no additional improvements.
What you’ll want to do is search for the best possible coverage available at your specific price point. Take advantage of the exchanges, pay close attention to information you’re able to grab online, and be certain that you are comparing total value of the coverage available against the price that you are asked to pay.
It’s the only way to be sure that you aren’t making any mistakes shopping for New Jersey health insurance.
Don’t ignore high deductible plans
The overwhelming majority of people that shop get really tight when they look at inexpensive monthly premium plans that have higher deductibles – but if you don’t believe that you’re going to use health insurance all that much (for example, if you’re young or in fantastic health) it might be a better deal.
Yes, high deductible plans are going to require you to pay more money out of pocket before you get the chance to take advantage of everything that it has to offer – but if you aren’t going to be using your coverage all that often, you won’t have to throw money away every month on your premiums.
At the same time, since you are saving money on premiums, you’ll be able to sock some of that money away each month – and that money can be used directly to pay for your deductibles should you find yourself in some kind of emergency situation.
It’s a great way to cut your costs dramatically without ever compromising your level of coverage or protection. It does take a little bit of restraint and due diligence (not to mention foresight and planning), but at the end of the day it’s well worth the extra investment.
Don’t forget to take advantage of all health insurance saving discounts available
The overwhelming majority of plans out there provide fantastic resources and funds for “preventative measures”.
Some plans include refunds for athletic shoes, athletic clothing and apparel, health and fitness center memberships, personal training sessions, and so much more. Take advantage of all of these benefits to keep yourself in the best possible condition health wise and you won’t have to worry about spending money on this “preventative care” – but you won’t have to worry about using it either.
It doesn’t get much better than that!
At the end of the day, you want to be sure that you are being a smart as possible when it comes time to sign up for a new policy. Hopefully we’ve been able to shed a little bit of extra light on the subject for you!