要避免的8个常见大发888dafa错误
Having at least a basic insurance plan is essential for everyone. While many employers provide insurance for their employees, not all of them do. 因此, it's important to figure out what insurance plans you need and what works best for you and your family.
Choosing an insurance plan can be complicated, and it's easy to make mistakes. So, here are some mistakes to avoid when choosing your insurance plan.
错误1:没有大发888dafa
Whether you're trying to save money or think you're young enough to get by without it, foregoing basic insurance coverage can be an incredibly costly mistake.
When it comes to health insurance, there are several options available. 如果你的雇主不提供大发888dafa, 然后你可以选择通过市场购买大发888dafa. 有不同程度的覆盖, from "catastrophic" (the cheapest option) to "gold" (typically the most expensive). 如果成本是个问题, purchasing catastrophic coverage is generally better than having no coverage at all. 当你比较计划时, 看看有哪些保费税收抵免可以使用, 因为这些可以帮助抵消你每月的保费.
错误2:没有足够的大发888dafa
Purchasing less comprehensive coverage or a basic insurance plan can equate to a lower monthly premium. 然而, the problem with this approach is that you're likely to pay the difference in price in deductibles and out-of-pocket expenses. 因为没有提前给自己买足够的大发888dafa, you're taking a gamble on whether or not you'll actually need to use it. One broken bone or fender bender could quickly cost you more than if you had paid a higher premium upfront.
错误#3:为自己投保过多
Talk to an insurance agent to figure out the right amount of insurance you need for your specific circumstances. Just as it's important to avoid under-insuring yourself and your possessions, it's critical to not over-insure yourself because it could be equally as costly.
错误4:不要求折扣
如果你不打听折扣的话, then you may never know if you would have been eligible for and received any discount. 你可能有资格享受隐藏的折扣, so remember to discuss your circumstances with your agent and ask them about discounts so they can apply them to your account.
错误5:误解你的政策
确保你了解你的保单所涵盖的范围, 在什么情况下适用, 还有你的自付费用. Thoroughly understanding your policy from the beginning means that you will avoid unwelcome surprises when it's time to file a claim.
错误#6:自动选择团体人寿大发888dafa
If you choose to take advantage of your employer's group 生活 insurance policy, 记住，你的利率不是固定的——它们可能会上升. Carefully consider any additional 生活 insurance offerings available through your employer before signing on. You should know exactly what you're paying for and whether the potential benefits are worth the premiums for your particular situation.
错误7:放弃长期护理大发888dafa
如果你被告知你的保费即将增加, 你可能会倾向于放弃长期护理政策. 然而, it's important to remember that purchasing a new plan may cost even more, especially since you are now older than when you first purchased your original policy. 更重要的是, foregoing long-term care coverage altogether puts you and your family at greater risk of future financial turmoil.
错误8:只考虑保费选择健康大发888dafa
When the premium is low on your insurance, you may think that you are saving money. 然而, insurance companies can sometimes find less obvious ways to increase the overall costs for their customers. 例如，他们可以实现更高的:
- 共同支付医疗预约费用
- Out-of-pocket costs for medical appointments outside your network
- 处方药费用
因此, it's important to consider how many medical appointments you usually have in a year and your current prescriptions. This can help you find an insurance policy that covers what you need without breaking the bank.
不管你是在关注健康, 汽车, 生活, 或任何其他类型的大发888dafa单, 有很多因素需要考虑. If you are thinking about purchasing a plan through your employer, make sure you speak to someone who works at the insurance provider to get all the answers you need. 如果你的雇主不支付你的大发888dafa需求, speak to representatives at the insurance company and your financial professional to get the information you need to make the decisions about your insurance.
The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. It may not be used for the purpose of avoiding any federal tax penalties. 请咨询法律或税务 professionals for specific information regarding your individual situation. This material was developed and produced by 消费品套件 to provide information on a topic that may be of interest. 消费品, 有限责任公司, 不隶属于指定的经纪自营商, 国家或证券交易委员会注册的投资咨询公司. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security. 版权 消费品套件.
