Tips for Caregivers: How to Cut Insurance Costs

Let’s face it, running a household is costly and time-consuming. Running two—as many of us find ourselves doing—is exhausting, and doesn’t leave a lot of time for loose ends.That’s why many of us in in the caregiving generation are likely to be overinsured, or paying for services we no longer need, or not receiving credits we’re due.
Why is this so? Well, think about it—when was the last time you had time to pour over your policies and call for competing quotes?
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Still, in this economy it’s worth doing a little homework, as this is one area where the average household could reap several hundred dollars in monthly savings. (And don’t forget—anyone in the family on long-term disability may be eligible for government-subsidized health insurance such as Medicare or Medicaid.) To save you time—since we all know that’s the most valuable commodity of all—we’ve culled the experts’ best tips for lowering insurance costs.