Healthcare Insurance -- 7 Ways To Reduce Cost

Do you want cheap rates for the right coverage? If so, these tips will go a long way in helping you achieve just that...

1. That extra weight is costing you more in health insurance. There's something known as Body Mass Index (BMI) which is used to calculate a prospect's premium.

If your BMI rating is high, your premium will be expensive. When your BMI rating is high it simply means that your weight is too much for your height. Do your best to shed excess weight because dropping even a few pounds could put you in another BMI rating which means more affordable rates.

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2. It is now clearly known that smoking causes higher rates. What people might not know is that the same also applies if you use any other type of tobacco product. Those who snuff or chew tobacco will also get higher rates than people who don't

Staying clear of all tobacco products will help you get less expense in health insurance.

3. If you drive irresponsibly then be prepared to pay expensive health insurance rates. Being found guilty of traffic violation isn't just bad for your car insurance rate it also has an effect on your health insurance rates. The simple reason is that if you're such a driver, you will more probably require medical attention for injuries than a very cautious driver.

Therefore, driving better does not only help your auto insurance, it also helps you get cheap rates in health insurance. Super-fast automobiles like fast muscle cars and super bikes will make you pay a higher health insurance rate. This is because they are more likely to cause you injuries because they have a higher risk of accidents.

4. An inexpensive rate is is desirable but it's advised that you don't get beclouded by making it the only factor. What you should be after isn't necessarily the lowest quote but the quote that represents the best value for its price. Depending on your profile, you can get really cheap rates that give you the value you are after if you shop right. Howbeit, if you are required to pay little more for adequate coverage, then do so.

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5. If you're hardly ever ill you'll save a lot by settling for catastrophic health insurance instead. This type of policy takes care of you if you suddenly fall sick or get involved in an accident.

You will generally appreciate this policy if you ever need to pay huge bills due to unforeseen ailments or accidents. That's why it's coverage against catastrophic ailments or accidents. Catastrophic health insurance premiums are usually very low.

What are generally high are the deductibles which can be as high as $2,000. However, considering that you are getting coverage from accidents or diseases that would make you spend tens of thousands of dollars such deductibles are not quite that high -- Relatively.

6. There's a special type of savings account called the Flexible Spending Account. It is a kind of savings account where you can save tax-free dollars for your health care needs. Any amount not used could be carried over into the succeeding year (still tax free). With this you can eventually save a considerable amount to take care of your health needs.

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7. If you take alcoholic beverage your rates will be more than a similar profile that doesn't drink. Drinking adds to your health risk.

Most health conditions can be traced to drinking.

What quantity of alcohol would have a negative effect on you as a person? Sincerely, I can't say.

What I'm sure of is that avoiding drinking completely is very safe. So you can reduce your rates (Apart from reducing the likelihood of developing certain health conditions) by staying away from alcohol if you can or drinking responsibly if you can't.

The only problem is that those who say they cannot quit drinking most often cannot drink in moderation. Get help if you want to give up alcohol. There are organizations that help alcoholics stop drinking.
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