Personal Health Insurance -- Here Are Tips You Must Not Overlook

There are things you must take note of and implement if you're truly committed to getting huge discounts. Following are a few of such things...

1. The use of tobacco in any form will add to your rates. For instance, you'll pay a higher premium if you chew or snuff tobacco.

So for your health and lower rates, quit using any tobacco product.

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2. You'll get a lower rate for a group plan than you will for an individual plan. Take advantage of it if you're in an institution that gives you the option of using a group plan as it typically implies that you'll pay less. This should be of special interest to elderly persons, smokers or obese persons who generally have to pay high premiums.

A group plan will save you a lot if you have a health condition that makes individual health insurance either too expensive or hard to get. A group plan is a simple way to lower your cost without bringing down the quality of coverage you get.

3. Buy catastrophic health insurance rather than a regular plan if you hardly fall sick and you'll get better rates. For those who do not know what it is, it's a type of plan that caters for you if you fall ill suddenly or are involved in an accident.

You'll generally appreciate this plan if you ever have to pay huge bills due to sudden health conditions or accidents. The name really does offer an idea of what it provides coverage against. They can be bought at very inexpensive rates.

However, the deductibles are normally as high as $2,000 but they are certainly worth it considering that you hardly get sick and are protecting yourself in case a catastrophic ailment or accident strikes.

4. A healthy routine will get you lower rates. The quality of your diet will in the long run affect your rate. Cutting off fats, cholesterol and high carb from your diet makes it easier for you to maintain the right weight, live a healthier life and, as a consequence, attract more affordable rates.

Similarly, you'll be healthier and as a result have to visit the doctor less if you diligently exercise up to 30 minutes daily.

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5. Just like an HMO, a Preferred Provider Organization (PPO) is normally cheaper than traditional health insurance. But in contrast with an HMO, it leaves you more choices although it is as well usually less affordable.

Look at what you can afford and your needs and decide whether this is a better option than other plans. If cost is the priority, you will actually save more by joining a PPO instead of buying traditional health insurance.

6. You may qualify for Medicaid if you are really finding it difficult to buy a traditional health insurance policy. Different states have different eligibility criteria. But the basic criterion is that you must be a low-income earner. It doesn't matter whether you have job or not.

Someone in your family may qualify even if you do not and therefore reduce your family health insurance budget. Therefore, check with 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 adds to your health care cost without doing you any real good. For example, your doctor can really do nothing for you if you have a cold or flu. Your doctor will likely do things you should have done on your own at home in a case like that.

So does it make sense to spend nearly $100 to visit a doctor when you already know that your situation would not be helped much? This also applies to simple first aid treatment.

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

But that said, it is better to err on the side of caution and see a doctor if you are unsure. And, for people who have some experience with first aid, don't forget your limits. The law stops you from doing certain things if you're not a certified medical professional. Having the right balance is necessary in this and such matters. If you do this right you will pay less in health insurance and also not endanger lives.
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