Many teachers find themselves in a difficult situation when it comes to health care coverage. The cost keeps going up while the pay, already too low, does not keep up accordingly. Often, these professionals are faced with either paying more for teachers health insurance
or having to look elsewhere.
Looking elsewhere for health coverage is actually not necessarily a bad idea. People who have never purchased their own health insurance
sometimes have an idea that it will be more expensive or the coverage will not be as good and less superior to the plan they already have. This is often not the case, especially these days.
For one thing, when you purchase your own health insurance
, you have more options. An employer usually offers you only one or two possible insurance packages. When you buy your own, you have many more options including HMOs, varying PPO plans, a health savings account (HSAs), and even what is sometimes called catastrophic insurance.
Castrophic insurance can be particularly appealing to teachers who are young, single and in good health. It will cover you in the case of accidents or emergencies but is not ideal if you tend to visit the doctor frequently. Since the coverage is less, the premium can be much less than that of major medical insurance.
A Health savings account for the same reason as stated might be another option for a person in good health. The way it works is that you put money into an account managed by an insurance company and the money is available for qualified medical expenses. You have to enroll in a high deductible health plan and the idea is that the consumer is more in charge of their own health care.
The point is, there are many more possibilities when purchasing your own health plan. It can enable you to not only pay less but to get the coverage that you really want and need rather than paying for things that you will likely never use. You have much more control over your money and your benefits.
You can talk to an insurance broker about teachers health insurance and find out about the possible options. Let the broker know what your concerns are and the type of coverage that you prefer. This will better enable him or her to present you with the policies that best match your needs so you can compare them and make a sensible decision.
by: Zandra JonesAbout the Author:Zandra Jones is a health care professional who is leading the charge for health insurance. Getting good health coverage is pretty tough these days. Get health insurance information you need to make an informed decision before you purchase health insurance