Money Saving Tips

• Your premium is based on your "issue age", the age you are when you apply for coverage.  Apply for coverage before your next birthday--each year you wait will cost you 8% to 12% more for your premium.  

• Apply for coverage with your spouse (Joint or Shared Benefits Policy).  This tip can help you two ways--More flexibility in using your combined benefits, and a Spouse/Partner discount of up to 25%

• Your health profile, including chronic health issues and medications, are used to determine if you qualify for a "Healthy Person" discount of between 5% and 25%.  Don't wait for a health issue to arise before applying for coverage.  Even though your health will change in the future, you still get to keep your "Healthy Person" discount for the rest of your life!

• Choose a 90 day Elimination Period (deductible) to save 10% or more, versus a 20 or 30 day Elimination Period.  The full Elimination Period only has to be satisfied only Once In Your Lifetime!