Personal Healthcare Insurance -- Apply These Tips

If you must enjoy big discounts, then you must NOT miss certain things. I'll show you some of them in this article...

1. It's now clearly understood that smoking will attract higher rates. What many might not appreciate is that this is also true if you use any other type of tobacco product. For instance, you'll get a higher rate if you chew or snuff tobacco.

Steering clear of all tobacco products will help you get cheaper health insurance.

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2. You'll pay cheaper rates for a group plan than otherwise. Don't miss it if you're in a position that offers you the opportunity of using a group plan as it typically means that you'll pay less. It becomes even truer if you're obese, a smoker or older.

You will also get some respite in a group plan if you have to pay very high rates owing to a health condition. Give a group plan serious consideration if you really want more affordable rates.

3. If you're hardly ever ill you will make substantial savings by choosing catastrophic health insurance instead. You enjoy coverage for those ailments or medical needs that may come up suddenly.

You'll really love this plan if you ever are compelled to pay huge bills due to sudden ailments or accidents. The rate paid for catastrophic health insurance is truly affordable.

What are generally high are the deductibles which can be as much as $2,000. But if you take into consideration the fact that you are protecting yourself from accidents or diseases that would cost tens of thousands of dollars such deductibles are not really that high -- Relatively.

4. You will as well get a lower rate if you have a healthy lifestyle. If you can avoid taking junk food you will pay less over time. You will do well to stick to the right diet for you if you want a healthy life and more affordable rates.

Apart from your diet, your devotion to routine exercise will help you live a healthier life and likewise get you lower rates.

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5. Joining a Preferred Provider Organization (PPO) is another way you can reduce your cost. It is more expensive than an HMO and also gives you more options.

You can consider your needs and what you stand to save by either joining a PPO or regular health insurance. If saving is more important to you than more choices then join a PPO.

6. If you earn little then you might qualify for Medicaid. Various states have different eligibility criteria. Despite the differences in each state, Medicaid is for families that have low incomes. It does not matter whether you're employed or not.

It would lower your cost if you or any family member meets the criteria. So confirm from your state's Medicaid program if you are eligible.

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7. There are things that you would do well not to see a doctor about as it only adds to your health care spend without any real benefit. For instance, your doctor can really do nothing for you if you have a cold or flu. There are easy steps you should take and if you go to the doctor you will pay and still be told the same things.

If your doctor cannot do anything about a health condition then I think it's unwise to spend about $100 to see him or her. This also applies to simple first aid treatment.

Learn little first aid procedures. Most of those emergencies would be well taken care of if you take some time out to learn a little about first aid and also have a good first aid box.

But even in those cases if you are not sure visit a doctor considering that it's better to lose money than to endanger your life. But, please, know your limits and don't forget that there are things you must take to a doctor even if you know what to do. There are things you are not meant to even attempt if you're not a medical doctor. Just learn to treat what you should handle on your own and don't attempt what you should not. You will spend less on health insurance without endangering anyone if you do this.
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