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How do you purchase a second medical and dental plan so you do not have so much out of pocket expenses?

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2008-11-03 19:21:16
2008-11-03 19:21:16

If your first plans are through your employer you can try two options. First see if the company offers any voluntary supplemental plans. These are group plans that you have the option of purchasing or not. The advantage to buying these from your employer is that they may be eligible for payroll deduction which means the cost is pre-tax. If your employer does not offer such plans or your first plans are individual plans then speak with an agent that specializes in health care and ask about supplemental plans. There are many good plans on the market. Given the way the question was asked, you should look for what are called indemnity plans. This type of plan pays you for an incident based on a schedule with no regard for what it costs you. For instance, I have plans that will pay you $75 for a doctor visit or $1000/day for a hospitalization.

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