Raise your deductible, add a gap /secondary insurance plan
Secondary Insurance / Gap Insurance coupled with a high deductible health plan a very popular concept that has absolutely exploded in the Alabama Market. A significant number of our clients at RBH Benefits are currently taking advantage of this fast growing concept.
Step 1: Choose a health plan with a higher deductible in order to reduce premiums.
Step 2: Use the money you saved to buy a secondary insurance / gap plan that will pay that deductible for you.
The end product will cost about the same as your previous plan, but the advantage is you get more for your money: Lower out of pocket costs!
Remember: Healthcare Spend = Premiums + Out of Pocket.
This strategy may give you the best chance to get the lowest Healthcare Spend.
Contact Us to learn more about how it works!