Cheap Medical Insurance In Hawaii -- Time-Tested Tips For Massive Savings

Do you want to enjoy superior Hawaii medical insurance for a lot less? There are tips you must understand and apply if you're really committed to getting big discounts. I'll share a good number of them here...

1. There are drugs that are big brand names. If you buy such drugs, your premium will go up. For those who don't know, the law demands that all drugs must consist of the same active ingredients whether they are brand name or generic. Where the differences start and end are in their choice of inactive ingredients.

The truth then is that you only spend more when you buy an established brand name drug and do NOT get anything more in value. Ask your doctor about this.

2. A straightforward but smart way of lowering your premium is by authorizing an EFT (Electronic Funds Transfer). This just means your insurer takes your premiums automatically from your account at specified periods without mailing you payment notices. This brings down administrative costs like those involved in sending payment notices. Your insurer passes part of what they save to you by offering you lower premium.

3. If you find it tough to locate a standard Hawaii medical insurance provider due to an unfavorable medical history you can go for COBRA insurance. By the way COBRA is the acronym for Consolidated Omnibus Budget Reconciliation Act of 1985.

4. A number of states offer home business owners a chance to bring down their rate. Those states require that insurance companies offer home based businesses similar rates as they do other (larger) businesses.

In other states your home business qualifies for a group rate provided it employs a staff.

You can have your spouse or older kid work as a member of staff. The good thing is that such a worker must not work full time to qualify you.

This option gives cheaper rates considering that group rates are usually cheaper than rates for individuals.

To to find out if your state provides such or if your home business qualifies, visit your state's department of insurance.

5. Although you are warned against self-medication, there are times when you should not see a doctor. For instance, your doctor can really do nothing for you if you have a cold or viral infections. We all know that your doctor cannot do you much good if you have a viral infection.

If your doctor can't do anything about a health condition then I think it's unwise to spend about $100 on a visit to him or her. Other examples are minor bruises that just simple first aid will take care of.
If you do not know these simple things spend time reading books on them especially if you have little kids. Most of those emergencies would be well attended to if you take some time out to learn a little about first aid and also have a good first aid box.

However, if you don't know what to do, go on and visit a doctor. And, for people who have some experience with first aid, know your boundaries. The law stops you from doing certain things if you are not a certified medical doctor. Just handle what you should treat on your own and avoid what you should not. This will reduce your visits to the doctor and, also, reduce your rates.

6. You'll save much if you will shop around and do proper comparison. The range of quotes received per query could be as wide as $1,000 for a particular person. Although this is a good thing, it's important that you don't get carried away. It's not usually that straightforward if you're after the best price/value.

The lowest quote may not give you the best price/value. Despite the fact that each of the quotes presented will definitely give you the same main coverage, there could be a lot of differences in the details of coverage. This makes it imperative that you find out if there aren't any exclusions that won't serve your best interest.

Don't forget to treat these no-obligation quotes as their name implies. Don't feel obliged to pay unless you've got all your questions answered satisfactorily. You will never get rude surprises later if you do this.

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