Category: Uncategorized

Landed Property Or Apartment?

Landed property or apartment, this is the question always surround property investment scene or homebuyers. It is also the most common asked question. Landed property usually has a piece of own land in the front entrance while apartment building has no land for the house owner. Some says apartment is inconvenient because it is high rise and far away from car park. Some argues that landed property is not as safe as apartment because it is easier to access. Some might also say that maintenance of apartment is higher. There are some truths to these statements but these are not all of the truth. Depend on what do you want in return. Let us look at it one by one from perspective of property investor.

Note: In Malaysian term, apartment and condominium is usually high rise with more than 10 stories tall, while landed house as it implies, has a piece of land and it is usually 1 to 3 story tall only.

Freedom of land – Landed property is usually associated with owning a land and the freedom to do anything you want at anytime on your own land. However as investor, through capital appreciation or rental income, you need to think if these factors could contribute to the rate of return? Probably this is best explained in the third point.

Not an ideal rental property – Landed property is always higher in price and monthly installment. For a decent terrace house in a good area can cost up to half a million – take Bandar Puteri as example (a township name in Malaysia). The monthly installment could be as high as RM2.5K. In order to generate positive cash flow, you need to at least rent out in RM3K. Probably you don’t think this is too much if the tenant has family and children and they need bigger space to live in. But do you think they would rather rent the place instead of buying it on their own? Again, a small family will opt for smaller living space such as an apartment or condominium with 3-bedroom that only cost them around RM1.5k per month.

Note: RM stands for Ringgit Malaysia, mean Malaysian currency.

Landed properties tend to appreciate more in long term – this is not new, if your grandparents owned some land back since 60s, you would have seen the price gone up a few hundred times from the time they bought it. Same as landed property, as the land get scarcer, and population grows, the land price will go up as well. The faster the population grows, the faster the appreciation. In contrast, apartment or condominium unit doesn’t appreciate as much as land properties simply because the “land” is divided into so many smaller parcels. The appreciation, if any, is simply spread out to all the unit owners. Another factor probably has to do with land reuse cost. More cost is involved in reusing the land with apartment built on compared with landed property that is usually 2-3 storys tall.

Since landed properties have always being associated with higher capital appreciation, it is also very common being used in flipping. For example the landed terrace house in Bandar Puteri (township name) was sold at RM350K+ 4 years ago pre-constructed has recently appreciated to nearly RM600k. Without factoring in the other cost, we see a whopping 72% capital appreciation. The costs are anything involved during the time you purchased the property until it is sold off, which includes total installment paid plus interest, cost of rectification not covered by developer, furnishing and improvement, legal fees, middle man charges, other processing fee, etc.

Low entry cost for apartment compare to landed property – It’s easier for people to make decision if the entry cost is low. For rental property, usually the tenant will need to come out with 1 month of rental deposit, 1 month advance rental and 3 months of utility deposit. If an apartment’s rental cost is RM1.5k, then the initial cost tenant needs to come up is around RM1.5K x 2 + 750 (Let say 3 months utility deposit is roughly half month rental) = RM3.75K. However for landed property, tenant is required to come up to around RM3K x 2 + 1.5k (Let say 3 months utility deposit is roughly half month rental) = RM 7.5K as initial entry cost. In this case, an apartment’s initial entry cost is only half of the landed.

Visible maintenance cost for apartment – Usually maintenance cost of apartment is proportion to the size of the unit. The larger the apartment unit, the higher the maintenance cost. Depending on variety of facilities provided and the quality, usually maintenance cost per square feet is around 15 to 20 cents, which is RM150 to RM200 for a 1000sqf unit. Landed property owner does not pay maintenance cost but they do need to pay for whatever exterior maintenances required such as paintings, roof repair, ducts, lawn mowing and miscellaneous efforts to keep the surrounding in proper condition. However, with some due diligent, maintenance of a landed property can be much lower than of apartments’.

Security problem – one of the reason people like apartment or condominium is because of security. For a very basic apartment there are two tiers of security system at minimum; one is the apartment compound fencing with electronic gate and security guard post and another is the security enforced entrance to the elevator area. Since apartment consists of many units in a building block it makes it harder for targeted attack or robbery. If apartment is high rise building, it will be quite rare for casual break-ins as well. In contrast, landed property owners need to invest quite amount of money into home security system such as auto gate, alarm system, window/door grill, etc. Even fully equipped, landed property still risk higher possibility of casual/targeted break-ins and robbery. However apartment security is not fool-proof as well, one example lies in security personnel being not scrutinized enough or too lenient to stranger visitors.

Property life expectancy – A well built landed property can last for twenty to thirty years or more without a question, however due to young age of Malaysia and shallow high rise living experience, no one can tell exactly how long can an apartment or condominium will last. In common sense, the value of apartment building will start to depreciate only after certain age, this usually happens when the building is deemed unsafe to live in.

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Grow Facial Hair – Why Can’t I?

Men of any age wonder why they can’t develop facial hair. Regularly this is an inquiry posed by youngsters in their adolescents who feel restless on the grounds that their friends appear to have the option to develop full whiskers though they can scarcely develop a couple of scanty tufts. In any case, the inquiry is likewise as often as possible posed by more established men who feel somewhat shaky about their “endearing face” includes that have stayed well into adulthood. Men who experience issues growing a whiskers constantly need to realize in the case of something isn’t right with them and whether their absence of hair is identified with some progressively genuine ailment.

Just a GP can exhort whether there is a progressively genuine ailment hiding in the wings, however the absolute most basic explanation that men can’t develop facial hair is essentially a result of their individual hereditary attributes. Adolescent young men ought to consistently be tolerant before agonizing over their facial hair loss. Hereditary particularities decide when every individual experiences pubescence, which hair qualities they will display and the time in which facial hair attributes will create. A few young men will create thick hair from just 13 or 14 years old while others won’t begin to see indications of development until the late youngsters and, in uncommon cases, mid 20s. The significant point for adolescents subsequently is to take a ‘keep a watch out’ mentality before frantically inquiring as to why they can’t develop facial hair.

In any case, for men in their mid to late 20s and onwards who grew typically through pubescence yet can’t develop facial hair, a cautious methodology will obviously never again be suitable. In most by far of cases, the explanation that more seasoned men can’t grow a facial hair is down to hereditary qualities. Every individual has an alternate hereditary code which decides each trademark from hair and eye shading to normal quality and size. Hereditary qualities are likewise liable for directing whether a man will or won’t have the option to develop facial hair. It is anyway critical to take note of that in few cases, men might be experiencing conditions, for example, hormonal uneven characters which may just be distinguished and redressed by therapeutic experts. Hormonal conditions are almost certain where there are a few recognizable manifestations, for example, hindered development, complete absence of body hair, undescended testicles and a high pitch un-broken voice. In situations where the main distinguished indication is an absence of facial hair, hereditary qualities are the in all probability guilty party.

When hereditary qualities has been distinguished as the motivation behind why a man can’t develop facial hair, the inquiry is the thing that should be possible. An individual’s hereditary cosmetics can’t itself be changed yet there might be manners by which facial hair can be misleadingly animated. blackbeardproducts.com gives subtleties of one such strategy which has shown positive outcomes.

Buy Pet Prescription Medication From A Reliable Online Pharmacy

The welfare of pets like mutts and felines is the essential worry of most proprietors as they treat them like their relatives. The proprietors take their pets to the veterinarian to guarantee that they are agreeable and free of any diseases. These veterinarians prescribe physician recommended prescription in the event of any medical issue and for customary checkups.

The drug could be for counteractive action of maladies like heartworm or for fending off bugs. The medicine may likewise be fundamental for giving alleviation from torment. The most ideal approach to obtain the medicine is to locate a respectable site that arrangements in online prescription. The proprietors can set aside cash by securing markdown taking drugs from the online store.

A three-month supply of Heartgard for a 50-pound pooch would cost just $18 from an online store, though it would cost $25 at the veterinarian’s center. Certain meds are just accessible against a medicine. In that capacity, when anyone arranges any such physician endorsed drug, the individual in question would need to fax the solution to them. Some online stores may even call the veterinarian and get the remedy via telephone.

Most presumed online drug stores stock an enormous scope of medicine and different items for them like canine sustenance and different supplies. These online stores are controlled by experienced veterinarians. Pet proprietors can make certain about the nature of the doctor prescribed medicine. By shopping at the online drug store, proprietors can spare a significant sum without settling on the nature of the prescription.

Be careful With Fake Medication

It is essential to take note of that shabby, counterfeit drug are accessible all over the place. In this way, the proprietors should locate a trustworthy site that gives physician endorsed prescription and is overseen by a veterinarian. The phony prescriptions have bundling that looks like the first pressing of the legitimate brands and they have lapsed quite a while back. It is exceptionally simple to get conned by them and a definitive sufferer will be the pet whose infection will raise and may even end its life.

Advantages Of Buying Pet Medications From Trusted Online Source

* The nature of the doctor prescribed drug is equivalent to what is accessible at the veterinarian’s office. The correct medicine is accessible and it won’t chance the pet’s life.

* Pet proprietors can spare an extensive sum if the drug is acquired from a solid online store when contrasted with the veterinarian’s office. Get more details about buy hydrocodone online without a membership * Buying on the web wipes out the need to keep it at the vet lounge area for an extensive stretch of time and presenting it to other debilitated ones. Besides, the proprietors can spare time and the problem of going by just requesting on the web. They simply need a PC with a web association.

The Different Types of Hair Extensions

When looking for a hair extensions shop, you want to find one that offers quality products. Low-quality hair extensions will not look like natural hair and will leave you with a dull look. Dirty blonde clip-in extensions might be off-color and overly yellow, whereas extensions meant to resemble afro kinky hair may simply appear knotted or doll-like.

There are diverse types of hair extensions you can choose from. Some can be used together to create a more uniform look, or one which is thicker than if only one were to be used. When you find a hair extensions shop online or in person, you will see a variety of possible choices. They fall into two primary categories: partials, and pieces.

Partial Hair Extensions

These vaguely resemble wigs, because they are larger pieces of hair which are kept together. They can be either glued, taped, or clipped in, or they can be taken off and on like a wig. Examples include: frontals and closures.

Frontals are placed on top of your head and contain sizable portions of hair at the front of the scalp. The top and back of the head piece are left bare, which is where other types of extensions can be used. You can find these in all types of styles, from afro kinky hair to Vietnamese straight.

Closures are similar, but have a less dramatic effect. These are pieces of hair which are much smaller and are placed based upon the desired style. Closures can also come in an array of styles and can be used to achieve the desired middle part or side part style of your choice.

Hair Extension Pieces

The alternatives – and more commonly used – are clip-in extensions, tape-ins, and sew-ins.

Want most of your hair black but a small portion dirty blonde? Clip-in extensions can do that. They come in as wide a variety of colors, styles, and textures as everything else. They are the most temporary version of extensions, as they can be pulled in and out of the hair at random.

The middling option is tape-in extensions. These are taped into the hair, often under other false hair pieces or beneath the person’s natural hair. They are not overly difficult to remove yourself, although they take a lot more effort than clip-ins do. Many people prefer a friend assist them.

The most permanent extension pieces are sew-ins. These are sewn into the person’s natural hair, or their larger hair pieces like frontals or closures. They can be removed, but it takes time to do so, and often require the assistance of another person to help. The benefit to these is that they are much less likely to come out when you go about your daily activities.

Which Is Better?

All hair extensions have their unique benefits, and no one is inherently better than the other. Truthfully, they work best when multiple variations are used to create a single look. For example , a frontal with sew-in extensions to form a style that is long in the front but up in the back. Best afro curly hair extensions you can buy online with great prices.

Health Insurance Tips That Can Benefit You!

The costs of healthcare have been rising rbuilddly in recent years. If you don’t have health insurance, and you suffer an illness or injury, you could find yourself deep in debt. Health insurance is vital to protecting both your health and your finances. Read this article for some important advice about your health insurance.

One of the most basic tips about insurance is quite simple: never, ever put yourself in a situation where you have no insurance at all. Even if it means paying extra to your former employer to stay on COBRA, you never want to be without health insurance. Too many contingencies could come up that would very quickly put you in a precarious situation. The same is true for auto insurance: never drive uninsured. It’s against the law in many states, so it isn’t just a bad idea; in many places it is actually a crime.

The right medical insurance exam is one that does not take into consideration your past medical issues. There are plenty of old disorders that have been treated and cured, that do not have to be disclosed, if they are not an issue now. Make sure to get insurance from companies that look at your current health.

Dental insurance is something that can prove to be very buildful. Buying dental insurance mean that when you need a cleaning or anything else done at the dentist, a percentage will be paid for. If you have kids, dental insurance is a must, because the price of going to the dentist can get very high. Learn more about health insurance plans here https://www.medical-intl.com/ 

Learn the differences between HMO’s, PPO’s, and POS plans and determine what will be the best fit for your health needs. They all have benefits and negatives that will affect the way you pay for and use your insurance. HMO’s require provide less flexibility but higher cost, PPO’s give you more options however the fees can be pricey. A POS plan combines aspects of both HMO’s and PPO’s.

Make sure your health insurance is not being “grandfathered” in. Some companies do not have to provide the new changes required by law, because they have been in business for a very long time, or they know someone higher up. If your policy is one of these, start looking for a new company.

Make sure that you read the fine print before singing a contract for medical insurance. Otherwise, you may end up agreeing to terms that you do not like. If there are words in the contract that you do not understand, ask a family member or friend to build you or look it up on the internet.

When choosing a health insurance policy, look into the quality of the company. The company that holds your policy should be able to back it up. It is good to know if the company you have chosen will be around to take care of any claims you may have.

As mentioned above, health insurance doesn’t only protect your health, it protects your wallet, too. Health insurance gives you the freedom to take care of yourself when you need to. With the advice from this article, you should be more informed about health insurance and ready to make decisions regarding your status.

Effective Tips For Choosing The Right Health Insurance

Are you one of the millions who are without health insurance? Or maybe you have health insurance but you are not sure it is the right plan for you? Well, build is on the way! The following article is going to give you tips that assist you in learning all about health insurance.

To save the most on your health insurance plan, use an online calculator to compare the costs of several different plans. Also take into account your own physical health. For instance, if you are young and generally healthy, opt for a plan that has a higher per visit deductible, rather than an expensive monthly premium.

When purchasing auto insurance, you can keep costs down by naming your spouse, if you have one, as a driver on the policy. Many insurance companies will first offer a discount for a combined policy rather than holding two separate policies for the same household. Plus, marriage is seen as a stabilizing effect that reduces your risk.

Young people often skip getting health insurance because they feel they’re too young to get seriously ill. However, there are reasons to seek healthcare that don’t involve illnesses – injuries and accidents can happen to anyone at any age. There are plans especially for younger people that can cover these types of situations, usually with a higher deductible and lower cost than conventional health insurance.

Dental insurance can really build cut the cost on dental repairs. Your teeth are a very important part of your health, but a costly one for most people. Having dental insurance will build to cut the total cost of all your dental work so you can afford to have a healthy mouth. Learn more about plans here https://lukemedikal.co.id/

Consider opening a healthcare savings plan. These plans are typically for people with high deductibles and allow you to deposit funds for later use on prescriptions and other medical costs not covered in your policy. The deposits you make are usually tax-deductible, so take advantage of this offer if your insurance company provides it.

Your prescription benefits can change from year to year, so check with your insurance provider on an annual basis to make sure that you still have the coverage you expect. Sometimes health insurers change the medications they will cover, so each year when you re-enroll, review the terms carefully. If you suddenly find that your health insurance plan is not covering your ongoing medications any longer, then start your search for a new plan.

During the phone interviews that health insurance companies conduct before granting coverage, don’t answer questions the company doesn’t ask. Only answer direct questions. Anytime that you provide the insurance company with information, they can use it to increase your overall bill, and in some cases they could even deny you coverage. As was stated in the beginning of this article, millions of people are without health insurance, while many of those who do have it are not happy with it. The information given to you in the above article will assist you when making the choice of which health insurance is perfect for you.

Don’t Go One More Day Without Health Coverage!

You would probably be surprised to realize how many American citizens are either without health insurance or have he wrong cover. Perhaps you are one of them, and are unsure how to change that. The tips in this article will build you to get to grips with the situation.

To save money on your health insurance, chose the plan that fits your needs best. There are three general health insurance organizations: HMO’s-which require you to use doctors in a specific network, PPO’s-which allow you to pick a doctor out of the network for a fee, and POS’-which are a combination of HMO’s and PPO’s.

If you have multiple prescriptions, lower the cost of your health insurance by signing up for a plan that covers the largest number of your medications. Also, ask your health insurance company to check for generic brand medication, which can significantly reduce your prescription costs. Receiving your prescriptions by mail can sometimes lower costs as well.

If your looking into personal health insurance some companies will let you take a “free look” or a “test drive” of the coverage. What this means is that you would have a certain amount of time to actually try out the insurance that way you will fully understand the coverage. Within that certain period of time if you are not satisfied you can get a full refund.

If you want to keep seeing your favorite doctors, make sure they are included in an insurance company’s provider network before you sign up. If not, you may have to pay extra to see them, if you even can. Don’t switch plans unless you are comfortable with the new plan’s physicians.

Medical insurance is a must have today. With premiums so high, it can seem like it is impossible to get a good rate. It is not hard if you stay as healthy as possible and reduce your risks to serious injury and disease. The fewer pre-existing conditions that you have and quitting dangerous habits can lower what you will pay in total costs towards your medical insurance.

The right medical insurance exam is one that does not take into consideration your past medical issues. There are plenty of old disorders that have been treated and cured, that do not have to be disclosed, if they are not an issue now. Make sure to get insurance from companies that look at your current health. Learn more about Vietnam Plans http://www.vietnam-plans.com/ 

Getting health insurance after the fact is not really a great way to handle sickness or injury, but in some states in the country, you can actually get an insurance policy after you’ve fallen ill to build take the edge off of the bills. This is one of the new mandates with America’s new healthcare legislation, and it can definitely build you out.

All insurance plans are going to differ slightly, so the most important thing you can do is ask questions. Health insurance is nothing to play around with. If you do not get everything you absolutely need, you may be left footing the bill when you fall ill. That’s going to be expensive and possibly even life threatening.

It takes a bit of patience, but with diligent application of sensible advice, you can do what you need to do to get adequate health cover. Furthermore, you get it at the right price too.

Become A Smarter Health Insurance Consumer By Educating Yourself

You would probably be surprised to realize how many American citizens are either without health insurance or have he wrong cover. Perhaps you are one of them, and are unsure how to change that. The tips in this article will build you to get to grips with the situation.

If your health is not very good or if you have young children, you should definitely subscribe to a health insurance. Many people do not have a health insurance or are not satisfied with the coverage that comes as a benefit of their job. You could save a lot of money on hospital bills and avoid stress in case of illness with a health insurance.

Even if you have a great health insurance plan, there will likely be some out-of-pocket costs that need to be covered. If your employer offers it, take advantage of a flexible spending account to set aside some money to pay for these costs without a tax penalty. The downside is that you must spend the money within a set period of time.

Increase your deductible for lower premiums, but prepare to pay more out-of-pocket expenses. If you feel that you cannot afford your premiums, you can consider a deductible increase, but make sure you take all other expenses into account. You may not actually be saving money if you visit the doctor more frequently.

One of the simplest and yet valuable tips you can get about finding a health insurance policy for you and your family is making sure that you get one that you can afford to pay the premiums for. If you are on a tight budget, it is better to get a policy in which you can pay the premiums for than losing the policy due to non-payment.

If you are unsure about what you are reading in the health insurance policy that you are considering, do not hesitate to have someone else read over it. You do not want to be surprised down the road when you learn that something is not going to be covered and you are going to have to pay for it out of pocket. Learn more here http://www.rig-associates.com/

If you work from home or work for a small company, you may still be able to make arrangements to get group insurance rates by banding together with a group of people for the purpose of applying for health insurance coverage. By forming a club or an association for your particular type of work, you may qualify for discount rates.

Low priced health insurance plans usually cover a portion of major health problems and do not cover preventative treatment. Expensive plans cover almost every health need you may have. To decide on the best plan, figure out what your family’s current needs are and how much you can afford.

When thinking about getting health insurance coverage, not many people think of test driving their prospective plan. This is called a free trial basis – you get your money back if you aren’t happy – as long as it is canceled within a set amount of time. Check to see if this is offered in your area!

When purchasing a health insurance policy, never pay by cash. Always provide the agent with a check or credit card number instead. Always make the check payable to your insurance company, never the agent. This will provide you with a receipt of your purchase and protect you from any dishonest action on the part of your agent. It takes a bit of patience, but with diligent application of sensible advice, you can do what you need to do to get adequate health cover. Furthermore, you get it at the right price too.

Tips For Finding A Health Insurance Plan That Is Right For You

With the current economy in so much trouble and so many people losing jobs, health insurance is more important than ever. Health insurance is not just a personal or family matter, it is a subject of national discourse. Use this information to learn more about health insurance in your life.

To save money on your health insurance plan, do not be fooled by plans with offers that are too good to be true. For instance, some plans may not require any fees for particular everyday preventative care, but do not have the benefits that many other health insurance plans offer.

If you are a recent college graduate and you are looking into health insurance, there are a couple of options for you to consider. You may be able to get health insurance from your employer, if you have one. You can also be listed under your parents’ policy until you turn twenty-six, or look into personal plans.

Long-term care health insurance can build cover the cost of assisted-living facilities for the elderly. It can be expensive or impossible to get if you wait until you need coverage. The time to buy is when you are in your fifties, and it’s best to look for a policy that provides protection against future cost hikes.

Before you change your health insurance plan, check to see if your personal or family doctor is included in the coverage. Some insurance companies will only cover you if you use their doctors, so you may want to steer clear if your family physician is not an approved one in their network.

Consider a low-cost plan if your job is not stable. Government health insurance policies will offer you the same coverage should you lose your job, but you have to cover the entire cost of the premium yourself. In tough times, make sure you can afford to pay your policy should you need to leave your workplace.

Thoroughly read your entire health insurance contract, and ask for clarifications and explanations for things you do not quite understand. Your insurance agent should be ready and willing to explain every bit of your contract to you, should the need arise. If he or she give you an answer that you don’t like, you may want to find a different policy. Learn more about insurance plans here http://www.philippines-plans.com/

It is important that you take price into consideration when looking for medical insurance. Although having health insurance is very important, you do not want to end up losing it because you cannot afford the premiums. If a potential insurance company’s premiums seem too high, shop around for another one. You can even try to negotiate a lower price with your preferred company.

Do your research about what was contained in the newly passed healthcare legislation before you purchase a policy. Insurance companies are doing whatever they can to get out of this, and they may stick it to you as a customer if you purchase your policy without knowing. Do your homework before committing.

Make the decision on a health insurance plan that is best for you. Chose from HMO, PPO and POS. They all have different options that you should look into and consider before buying from any company. Be sure that you can continue seeing your current physician.

If you are fortunate enough to have an FSA or HSA (flexible spending account or healthcare spending account) as supplemental health insurance, be sure you are getting the maximum out of it. It can be challenging to figure out how much money you are going to spend in the next calendar year on noncovered expenses, but it’s worth the effort since that money is all pretax.

Regardless of what health insurance you currently have, either through your employer, the government or private insurance, it is essential to stay on top of current health insurance news. It is important to find a health insurance company that has the coverage you need at a price you can afford.

You Must Have The Right Health Insurance Information

Saving money on health insurance can be simple. It can be as easy as checking quotes from different agents in order to find the best one. You can save huge amounts of money, making your insurance more affordable by researching rates and prices. Read our tips to get the most for your money.

To save money on your health insurance, chose the plan that fits your needs best. There are three general health insurance organizations: HMO’s-which require you to use doctors in a specific network, PPO’s-which allow you to pick a doctor out of the network for a fee, and POS’-which are a combination of HMO’s and PPO’s.

Before re-enrolling with your current health insurance company, check to see if their policies are changing. Some companies are increasing their rates, and if yours is, you will feel it when you re-enroll. Check around with other insurance companies to make sure you are still getting the best deal available.

When shopping around for a great healthcare policy, always make sure that you’re comparing policies online. You can receive multiple quotes from multiple providers, so take your time and compare them all to see where you can save money without losing out on great coverage options. A few minutes to compare, can save you some big money.

In terms of finding the most affordable health insurance for you and your family, it builds tremendously if you seek out some type of group policy. You can not only get in a group policy via your employer, but there are other options you can turn to, like extended family, in order to purchase large group policies.

Never enroll in a health insurance policy by paying with cash. You want to have a good solid record of what you paid and when you paid it. Paying with a check or a credit card is going to be the evidence that you need if anything should happen and you have to go to court to prove when you started your policy. Learn more about the insurance policy here http://www.bricon.com.sg/

If you lose your job, consider your options carefully before deciding on COBRA. COBRA can be very expensive, and less expensive private policies are often available. The extra cost of COBRA can be worth your while though, especially if you have a difficult to cover pre-existing condition.

When filling out your enrollment form, do not leave any information out. Keep a copy of this form so that you know exactly what you sent to the insurance company and can contest their decision of rate if necessary. If your insurance company finds a mistake on your enrollment form, they could cancel your policy.

It’s important to note an pre-existing medical conditions you may have when thinking about switching health insurance policies. Providers have a list of of what conditions they may not cover. Some conditions under some plans may still have a “waiting period” before coverage happens. These vary by policy. All providers have their own list of conditions. Find out from your potential plan what conditions they have listed and what the waiting period is for any you may have.

When your doctor prescribes you a drug, ask him if there is a cheaper version, or an over-the-counter option, which you could use instead. For example, my husband had a stomach parasite which required three drugs to treat. The doctor was going to prescribe him a combination pill which would have cost literally ten times as much as if we got each drug separately!

As you can see, finding affordable health insurance can be a pretty simple task. With our tips, you will be a well-informed insurance consumer and pay less of your hard earned money for your insurance policy. Doing your homework can pay off in the way of spending less on health insurance.