Steps To Affordable Medical Insurance

Even though you can pay less by reducing your coverage, it is not recommended if it compromises you and yours. You can, nevertheless, easily pay far less without compromise to the scope of your coverage if you have and use the right tips. I'll show you how...

1. You'll get more expensive premiums just because your vocation exposes you to much hazards. You can reduce your premium if you switch to another vocation that does not expose you to hazards. A person who works in a nuclear plant can't get similar rates with a a salesperson in the local supermarket.

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2. How much are you willing to contribute to payments for your visits to a doctor? Such an amount which you contribute is your co-pay. Increasing your co-pay reduces your rates. This is highly recommended for individuals who rarely go to see a doctor.

3. This won't be a problem for most people but we'll still have to talk about it...

Do not use drugs that have either been banned or have yet to be registered as they will make you attract higher insurance rates if discovered and that's apart from the fact that you're exposing yourself to danger. Misusing drugs also will make you spend more on health insurance. Steer clear of self-medication also and you will certainly get lower rates than folks who don't.


4. There are individuals who may not qualify 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 are one of such individuals, you'll benefit greatly by using a discount medical card. So what is it?

With these cards you get medical attention from a network of doctors who have agreed to render services to card carriers at reduced rates. They aren't usually provided by any health insurance company.

You can make use of this option if you have a medical history that has made health insurance providers either reject you or give you a rate that is too high. One advantage of a discount medical card is that everybody is welcome. You just need to pay a monthly subscription to be eligible to use their network of health care professionals.

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5. Phone med services are great services that will help lower your costs. These are free community services that provide medical advice by phone round the clock. You can trust the advice you get because they are given by trained personnel (usually not less than a registered nurse with at least 10 years experience). Local clinics will also give you free medical help by phone in most cases.

This brings down the number of times you see a doctor and as a result your total cost on the whole.

A timely medical help could be the difference between a serious health condition and a mild one. So they're worth giving serious attention.

6. It will cost you far less and reduce your costs if you buy your prescriptions over the internet. You can also get affordable prices if you buy by phone. Companies who sell online have lower outlays than brick and mortar businesses and this suggests that they can and (do sell) at cheaper prices. But to ensure you are buying from a good company, check. Simply visit BBB online and you will know if you should buy from a specific company.

This is really very important as you won't want to risk your life all in the name of trying to save money. Checking with BBB online and other such services will help you stay safe while you buy at the best rates online.

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7. An easy but effective way of lowering your premium is by authorizing an EFT (Electronic Funds Transfer). By doing this you authorize an insurer to automatically withdraw your premiums from your account when due. This reduces costs by eliminating the necessity of payment notices or checks. An insurance carrier passes part of what they save to you by bringing down your premium.

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