Individual Health Care Insurance -- The Following Are Time-Tested Savers

There are tips you must understand and implement if you're truly serious about getting huge discounts. I'll discuss a good number of them here...

1. It is now clearly understood that smoking will attract higher rates. What people might not understand is that this is also true if you use any other form of tobacco product. Chewing or snuffing tobacco, for instance will cost you in higher premiums.

Therefore, for your health and less expensive rates, stop using any tobacco product.

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2. A group plan is usually cheaper than an individual health insurance plan. So make use of it if you have access to it.. The higher the risk insurers attach to your profile the more you'll save if you can use a group plan.

A group plan will save you a lot if you have a pre-existing condition that makes individual health insurance either too costly or hard to come by. Therefore, taking advantage of a group plan is an easy to get quality coverage at a cheap rate.

3. If you're rarely ever sick you will make substantial savings by settling for catastrophic health insurance instead. For folks who might not know what it is, it's a type of policy that takes care of you if you fall ill suddenly or get involved in an accident.

You will really love this policy if you ever are compelled to pay huge bills due to unforeseen ailments or accidents. That's the reason it's coverage against catastrophic illness or accidents. The premium paid for catastrophic health insurance is really cheap.

What are generally high are the deductibles which can be as high as $2,000. But considering that you are protecting yourself from accidents or ailments that could cost tens of thousands of dollars such deductibles are not really that much -- Relatively.

4. You will as well get a more affordable rate if you pursue a healthy routine. If you can stop taking junk food you will pay less with time. You will do well to stick with the right diet for you if you desire a healthy life and lower premiums.

In the same way, you will be healthier and therefore have to see the doctor less if you diligently exercise up to 30 minutes every day.

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5. Similar to an HMO, a Preferred Provider Organization (PPO) is generally more affordable than traditional health insurance. But in contrast with an HMO, it offers you more options although it's as well usually more costly.

It is up to you to compare the value you'll get with what you'll save to determine if it will serve you better than regular health insurance. If saving is more important to you than flexibility then make use of a PPO.

6. If you are a low-income earner then you might qualify for Medicaid. Different states have different rules for eligibility Notwithstanding the differences in various states, Medicaid is for people that are in the low income bracket. Being employed on its own does not make you ineligible.

It would help reduce your spend if you or any family member meets the criteria. You can find out if you or yours are eligible from your state's Medicaid program.

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7. There are things that you would do well not to see a doctor about as it only increases your health care cost without any real benefit. Good example are viral infections like flu for which your doctor can't help. There are easy steps you should take and if you go to the doctor you will pay and still be told the same things.

There's no way you can justify spending $100 for something you should have handled on your own. Other examples are small cuts that just simple first aid will take care of.

It is better to know how to take care of simple home emergencies especially if you have children. There are several things that you can (and should) handle if you've taken the time to learn and also have a well-equipped first aid box.

But that said, it's better to err on the side of caution and visit a doctor if you are unsure. And, even for those who do have some experience with first aid, remember your limits. There are cases you are not supposed to even attempt if you are not a medical doctor. Having the right balance is important in this and other cases. This will reduce your visits to the doctor and, consequently, bring down your rates.
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