Tips For Lower Health Insurance

You can reduce your rates dramatically by downgrading the scope of coverage you get. That's NOT advisable. But here's a smarter way: Apply the correct tips and do certain things right and you'll get considerable discounts Let's look deeper into this...

1. You'll get higher premiums just because your profession exposes you to much hazards. You can reduce your premium if you choose another vocation that does not expose you to hazards. Someone who works in a nuclear plant can't attract similar rates with a a salesperson in the neighborhood bookshop.

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2. The amount you're prepared to contribute to payments for each time you see your doctor has an effect your rate. This is known as your co-pay. Your rate will be more affordable if you opt for a higher co-pay. You're especially encouraged to opt for a high co-pay if you see your doctor only once in a very long while.

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

The use of banned drugs will raise your rate. And, drug abuse will also make you attract very high rates. That is, if it doesn't make it impossible for you to get health insurance. Avoid self-medication also and you'll certainly get cheaper rates than folks who don't.


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 standard health insurance. A discount medical card is a good alternative for such people.

This type of card lets you use a network of doctors who have agreed to give services at lower rates to all card carriers. This card is not issued by an 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 use a network of health care providers who will bill you lower for their services.

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5. Phone med services are great services that will help reduce your costs. These services offer free medical services twenty four hours everyday. You have a minimum of a registered nurse with a minimum of ten years experience on hand to offer free medical advice you can trust. You'll as well get free medical advice by calling local medical clinics.

This cuts the number of times you see a doctor and as a result your total spend on the whole.

The help you get from them could also help you take safety measures that will prevent a serious ailment. So they are worth giving serious thought.

6. Buying your prescriptions online is a sure way to bring down your health care costs. Buying by telephone might as well get you lower prices. Companies who sell through the internet have lower costs than brick and mortar businesses and this suggests that they can and (do sell) at lower prices. Howbeit, you will do well to check the company you are buying from so you do not endanger yourself. It is very easy to do this by checking a resource like BBB.

While we want to lower our health care costs we also need to ensure that we safeguard our lives. Checking with BBB online and other such services will put you on the safe side while you buy at the best prices online.

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7. You'll be given cheaper rates if you pay by Electronic Funds Transfer (EFT). This simply means your insurer withdraws your premiums automatically from your account at specified periods without mailing you payment notices. This saves your insurer in many ways such as eliminating the cost of sending payment notices and the cost associated with processing checks. This is why this results in lower rates.

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