Ancillary Products: Protecting the Gaps in Your Medicare Coverage
Ancillary products are additional insurance plans designed to fill the gaps that Medicare doesn’t cover. They don’t replace Medicare—they complement it.
Learn More
Health insurance is a vital safeguard for you and your family's well-being, but it can also be a significant expense. Balancing the need for comprehensive coverage with the desire to save money on premiums can be a challenging task. Fortunately, there are strategies you can employ to reduce your health insurance costs without sacrificing the quality of your coverage. In this blog post, we'll share some tips on how to save money on health insurance premiums without compromising your peace of mind.
April 14, 2025
Shop Around and Compare: When buying health insurance, like with any other purchase, it pays to compare prices. Don't settle for the first plan you come across. Use online tools and insurance marketplaces to compare different insurance providers, policies, and premiums. By exploring your options, you can find a plan that suits your needs and budget.
Choose a High-Deductible Plan: High-deductible health plans (HDHPs) typically have lower monthly premiums than traditional plans. While this means you'll pay more out of pocket for medical expenses before your insurance kicks in, it can be a cost-effective choice if you're generally healthy and don't require frequent medical care. Plus, many HDHPs offer tax-advantaged Health Savings Accounts (HSAs) that allow you to save for future medical expenses.
Consider Telemedicine: Telemedicine services have become increasingly popular, and they can be a cost-effective way to access healthcare. Many insurance plans now offer telehealth options, which can save you money on office visit copayments and travel expenses. It's a convenient way to consult with healthcare professionals from the comfort of your home.
Take Advantage of Wellness Programs: Certain health insurance plans provide wellness programs and rewards for leading a healthy lifestyle. These programs may reward you with premium discounts for participating in activities such as annual check-ups, exercise routines, or smoking cessation programs. By staying proactive about your health, you can save on premiums while also leading a healthier life. Opt for
Generic Medications: If you require prescription medications, ask your doctor if there are generic alternatives available. Generic drugs are often just as effective as brand-name ones but come at a significantly lower cost. Choosing generic medications can help you save on your out-of-pocket expenses and keep your prescription drug costs down.
Review Your Coverage Annually: Over time, your circumstances and healthcare needs may change. It's essential to review your health insurance coverage annually to ensure it still aligns with your requirements. By adjusting your coverage as needed, you can avoid paying for services you no longer need and potentially reduce your premiums.
Conclusion
Health insurance is a critical aspect of financial planning, but it doesn't have to break the bank. With a little research and thoughtful consideration, you can find ways to save money on health insurance premiums without sacrificing the coverage you need. Remember to shop around, consider high-deductible plans, explore telemedicine options, take advantage of wellness programs, and review your coverage regularly. By following these tips, you can achieve a healthier financial outlook while maintaining peace of mind about your healthcare coverage.
Need assistance? Reach out to Agents Impact at (503) 668-6100. Our support comes at no expense to you.
Blog
More Blog Posts
Read more about insurance here! Our knowledgeable agents are happy to walk you through any questions or difficult paths you will need to navigate.
All Blog Posts
Testimonials
What My Clients Are Saying
js
John S.
Client Review
Above and Beyond
I can't say enough good things about Agents Impact! Their team of experts truly goes above and beyond to provide exceptional service. When it came to finding the right health insurance coverage, I was initially overwhelmed by all the options, but they made the process incredibly simple and stress-free. Their personalized guidance and deep knowledge of Medicare plans, including Parts A, B, C, and D, helped me find the perfect coverage that suits my healthcare needs perfectly.
sh
Sharon H.
Client Review
Attentive and responsive
From the first moment I contacted them, they were attentive, responsive, and genuinely cared about my well-being. They took the time to understand my specific requirements and patiently answered all my questions, leaving me feeling confident in my decision.
jf
Janet F.
Client Review
making a positive impact
Agents Impact made what could have been a complicated and confusing experience into a smooth and informed journey. I can't thank them enough for their professionalism, expertise, and dedication. I highly recommend Agents Impact to anyone seeking health insurance guidance. They truly live up to their name, making a positive impact on their clients' lives!
Mk
Mark K.
Client Review
all the stars
Agents Impact deserves all the stars and more for their outstanding service and unwavering commitment to their clients! I was initially overwhelmed with the complexities of health insurance, but from the moment I connected with them, I knew I was in the right hands. Their team of experts went above and beyond to understand my specific healthcare needs, patiently answering all my questions and concerns. What truly sets them apart is their dedication to providing personalized solutions. They took the time to tailor a health insurance plan that perfectly fit my lifestyle and budget, making sure I had the coverage I needed without any unnecessary extras.
at
Aaron T.
Client Review
Invaluable Expertise
Throughout the process, Agents Impact demonstrated their extensive knowledge of the various health insurance options available. Their expertise in Medicare Parts A, B, C, and D was invaluable, and they helped me navigate the complexities with ease. I never felt rushed or pressured; instead, they genuinely cared about finding the best solution for me.
jr
Jordan R.
C.lient Review
Exceptional Service
If you're looking for a health insurance agency that truly puts their clients first, I wholeheartedly recommend Agents Impact. They are a team of professionals who genuinely care about your well-being and are dedicated to finding the perfect health insurance coverage for you. Thank you, Agents Impact, for your exceptional service and making the process so easy. You've earned a loyal customer for life!
Process
How It Works
Chat with a health insurance agent for free! Andrew Faligowski is a licensed Insurance Agent in Oregon and is happy to help you find the perfect insurance plan. Here's how it works!
Talk to Agent
Click any of the "Talk to" buttons on our site and fill out the short form to help A understand your needs. Or, call us at (503) 668-6100 to be directed to a licensed insurance agent.
1
2
Choose Your Plan
Andrew will help you choose the plan that's right for you! Agents Impact realizes that it is very difficult to navigate the insurance maze. Andrew is here to provide you with answers to your questions. He really cares about his clients and is committed to helping you find and enroll in a plan that is perfectly fit to your needs.
3
4
Book a Meeting
Book a meeting with Andrew to discuss your needs in more detail. Choose a time that works for everyone and meet in person, over the phone, or via video call, whatever works best for you!
Get Treatment
Get the treatment you need at a price you can afford! You can rest assured that Andrew has set you up with the perfect plan and is available to help you navigate any other insurance needs you may have.
SERVICE COVERAGE
Ready to shop for Health Insurance Plans in Oregon?
