Steps To Affordable Medical Insurance

You can reduce your rates dramatically by downgrading the level of coverage you enjoy. That's NOT smart. You can, however, easily pay much less without reducing the scope of your coverage if you know and apply the right tips. Following are tips that won't leave you with inadequate coverage...

1. Lines of duty that are regarded as hazardous get more expensive quotes. You will get cheaper premiums if you quit a hazardous line of duty for a non-hazardous one. If your profession exposes you to toxic chemicals, for example, your premiums will be much higher than that paid by a comparable profile who maybe works as a receptionist in an office.

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2. How much are you willing to pay out of your pocket each time you visit the doctor? This is what is known as your co-pay for those who don't know already. Your premium will be lower if you choose a higher co-pay. You're especially encouraged to choose a high co-pay if you see your doctor just once in a very long while.

3. This is something that may not concern most people but is still worth mentioning...

Don't use medications that have either been banned or have yet to be approved as they will make you pay very high rates if discovered and that's apart from the fact that you are exposing yourself to danger. And, drug abuse will certainly make you get costly rates. That is, if it does not make you uninsurable. Along these lines, stay away from self-medication for both its grave hazards and the fact that it will increase your rates.


4. There are people who are not eligible for special health insurance for low-income earners and at the same time don't really earn enough to easily pay for traditional health insurance. If you're one of such people, you'll benefit greatly from a discount medical card.

Such a card lets you use a network of doctors who are contracted to provide their services at reduced rates to all card carriers. Such cards are not connected to any health insurance company.

You can use this option if you have a medical history that has made health insurance companies either reject you or give you a rate that is very expensive. No one is declined for whatever reason. Simply pay your monthly fees and you will have access to a network of health care providers who will charge you less for their services.

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5. If you take advantage of phone med services you would have done a lot to reduce your costs. These are free community services that offer medical advice by phone 24/7. You can trust the advice you get because they are given by qualified personnel (normally not less than a registered nurse with at least 10 years experience). Local clinics provide free medical help by phone in most cases.

This, normally, should cut down the number of visits you make to a doctor although it does not take its place.

A timely medical advice could be the difference between a serious health condition and a mild one. Therefore, they are worth giving serious thought.

6. Buying your prescriptions on the internet is a proven way to reduce your health care costs. Buying by telephone might as well get you cheaper prices. Drugs are cheaper online because the cost of doing business is dramatically cheaper with the internet. Howbeit, you'll do well to check the company you are buying from so you don't endanger yourself. Just go to BBB online and you'll know if you should buy from a particular company.

This is quite very important as you won't want to endanger your health in the name of trying to save money. If you do a good check you'll save much while getting the best.

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7. A straightforward but effective way of reducing your premium is by authorizing an EFT (Electronic Funds Transfer). This simply means your insurer takes your premiums automatically from your account at specified periods without sending you payment notices. This removes administrative costs like those involved in sending payment notices. Your rate is therefore brought down in line with the lower cost of providing insurance to you.

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