The insurance business is a massive money-making empire that surpassed the $1.2 dollar mark back in 2011. Insurance and healthcare have always been hot-button topics, as nobody needs insurance until an emergency happens. That’s the point. Insurance is a service you pay a premium on in the chance that something major goes wrong. It saves your butt when trouble comes knocking your way.
If you’re healthy and lucky, nothing happens, and you can sometimes live without any insurance at all and be fine, but for the majority of people, this isn’t a good option. There are even bills being passed and that have been passed that forbade people from not having insurance. In any case, insurance can be a huge, unmanageable headache. How do you make it more manageable when the rules to the game are ever-changing? Well, here are just a few tips:
Consider Lesser-Known Companies
As a customer, you are going to pick an insurance company based on what you can afford, what your work tells you to do, or based on what you know. It’s only natural to make a decision based on these factors. However, the next time you go insurance hunting, take a look into the lesser known companies. If they’re not the giants of the industry, they just might offer better rates and better deductibles. Consider looking into Samaritan Ministries, Medi-Share, and Christian Healthcare Ministries, for starters to see different ways you can be managing your insurance.
Support Companies Who Work With You
A big way to make the insurance struggle easier on yourself is to go to the companies that are working with you instead of against you. Go to doctors, dentists and people of the like such as optometrists who are working to make their service more affordable to you. This might be done by letting you know off the bat which insurance companies they’re working with, or this might be that the company will give you a better rate for paying cash for their service instead of going through an agency.
Make Your Voice Known
As stated before, the insurance industry is run by giants who can quite frankly be bullies. It’s a money-made, money-focused world and when the green doesn’t talk, the companies get angry. This shouldn’t stop you from standing up and speaking out. At the end of the day, your voice matters and you can put your money where your mouth is. Support companies who are doing good, don’t use an insurance company that is robbing you blind, and speak up any time you feel you can make a difference.
Do your research, and don’t settle for less than you deserve. Policies on insurance are being edited on the daily and you can be a huge participant of that change, but only if you make your voice known amongst the noise.