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If you are a recent college graduate and you are looking into health insurance, there are a couple of options for you to consider. Perhaps you can get insurance through your employer. Until you reach 26, you are able to be listed on your parents' insurance policy. You can also check our personal plans though too.

If you have a family history of needing vision correction, or if you have already been prescribed glasses or contacts, it's important to include vision coverage in your health insurance plan. This insurance covers some of your contacts, glasses and check-ups. Vision insurance is voluntary coverage. There are people that save more money by not having vision insurance than having it.

Each year, check to see which prescriptions are covered. Sometimes, insurance companies change which medications they cover. When re-enrollment time comes around, you should always check to make sure your medication is covered. If a prescription medication that you need to take routinely is not covered by your insurance policy, it's time for you to find a new health insurance company.

You can lower your premiums by choosing a catastrophic coverage option instead of a comprehensive one. Unlike comprehensive insurance, catastrophic coverage has less coverage for routine care, and will only cover "big ticket" costs.

Expect your policy to have a number of loopholes. Make sure you read the policy thoroughly, so there are no surprises about what it doesn't cover. Understand that you may have to pay on your own for things that are not covered, such as certain procedures or medications.

Watch your bills. Even with health insurance, you are likely to receive some startling bills. This is especially true if you use any prescription drugs. Some doctors will write out their prescriptions with the name brand only, never thinking of the generic. Additionally, find a pharmacy with low prices. Different pharmacies have varying prices on generic medications.

Having health insurance can lead to tax deductions! Some companies offer a savings account for medical expenses. The money that goes directly into this account is tax free. You can also deduct the money you spend paying for your deductible, prescriptions or any visits not covered by your insurance. Deductions differ for taxes, depending on the state you live in, so double-check the guidelines.

Make sure that your insurance plan covers all aspects of pregnancy and childbirth before getting pregnant. Don't leave this to chance; some insurance doesn't cover pregnancy, complications from pregnancy or labor.

Even if your cherished pet spends all of its time indoors, pet insurance is still a good idea. There are always hazards of accidental poisoning and injury indoors, and of course, if your pet accidentally slips out, anything could happen. Even indoors, your pet could break a bone or a tooth and need expensive veterinary care.

Don't forget that health insurance companies are trying to maximize their profits and may take advantage of people who aren't familiar with the different policies that are available, so always make sure you know as much as you can. Use your annual open enrollment opportunity to make sure your health insurance policy is still the best option.

Now that you know a bit more about the topic of Buy US Health Insurance Online, you can easily see how you can get cheap health insurance rates.