Comments on: 7 Tips for Self-Employed Web Workers to Save on Health Insurance http://allfreelancewriting.com/2009/07/03/freelancing/general/7-tips-for-self-employed-web-workers-to-save-on-health-insurance/ Your Secret to Freelance Writing Success Wed, 10 Mar 2010 17:00:55 +0000 http://wordpress.org/?v=2.9.2 hourly 1 By: Hazel http://allfreelancewriting.com/2009/07/03/freelancing/general/7-tips-for-self-employed-web-workers-to-save-on-health-insurance/comment-page-1/#comment-10694 Hazel Fri, 03 Jul 2009 12:36:44 +0000 http://allfreelancewriting.com/?p=2337#comment-10694 As a freelancer who writes regularly about health insurance, I agree with most of this advice. Here are two areas where I don't: 1 - sometimes a "club" membership will be worthwhile, if it is a fitness club that you want to belong to and will use regularly. Some insurance companies consider regular exercise an integral part of your health care, and I agree with them. 2 - be very wary of "limited benefits" policies. They are not right for everyone, and they don't offer the same kind of "insurance" that you may think you are buying. For example, some will cover you up to a limit for hospital stays but pay a very small amount for "hospital incidentals" that include dressings, medications, and diagnostic procedures. As always when signing a contract, make sure you understand all the clauses and provisions. Too many people are finding that they don't have the insurance they think they have paid for. As a freelancer who writes regularly about health insurance, I agree with most of this advice. Here are two areas where I don’t:
1 – sometimes a “club” membership will be worthwhile, if it is a fitness club that you want to belong to and will use regularly. Some insurance companies consider regular exercise an integral part of your health care, and I agree with them.
2 – be very wary of “limited benefits” policies. They are not right for everyone, and they don’t offer the same kind of “insurance” that you may think you are buying. For example, some will cover you up to a limit for hospital stays but pay a very small amount for “hospital incidentals” that include dressings, medications, and diagnostic procedures.
As always when signing a contract, make sure you understand all the clauses and provisions. Too many people are finding that they don’t have the insurance they think they have paid for.

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