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We know that health insurance policies can be a bit confusing and wants to help. Here are some tips that will help you manage your plan over the years.

Review your policy yearly to make sure that you are only paying for coverage that you need and use. If you once paid for coverage for a condition that you once had but no longer suffer from. Take the time to sit down and think about what you pay for, what you use and what you don’t, this will help you reduce your premium.

Consider how many people you are covering and what they need as well. You will be able to cover prescriptions, certain medical procedures and other services.

Also consider what stage of like you are at as this will help you determine what type of policy you get. If you are single and younger, you may not need to cover something like a pregnancy or pregnancy related medical procedures. Also if you are young you will most likely not need coverage for something like a hip replacement.

Have a conversation with your doctor and ask them what they recommend you get coverage for. They can be very helpful as they will know what you may be at risk for and what you may need to seek medical attention for. They can also help you by looking at your family history and determining the likelihood of certain health issues in the future.

If you have a specific doctor that you wish to continue seeing you should check to make sure they will be covered under the policy you choose. This may affect whether you choose to have public or private insurance.