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Monday, November 2, 2009

Steps To Lower Health Care Insurance


Some ways of bringing down your rates actually reduce the scope of coverage you get and are, therefore, NOT advisable. But here's a better way: Implement the correct tips and do certain things right and you'll get big discounts I'll show you how...

1. You'll attract more expensive rates just because your line of duty exposes you to much hazards. You will get lower premiums if you leave a hazardous profession for something safe. If your occupation exposes you to hazardous chemicals, for example, your premiums will be much more than that paid by a comparable profile who maybe works as a receptionist in a bank.

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2. How much can you contribute to payments for your visits to your doctor? This is known as your co-pay. Your premium will be cheaper if you opt for a higher co-pay. If you rarely ever go to see a doctor, you may lower your rate considerably by choosing a high co-pay.

3. Notwithstanding that this may not be an issue for most people it should be said...

Don't use drugs that have either been banned or have yet to be registered as they will make you pay very high insurance rates if discovered and that's apart from the fact that you're exposing yourself to danger. Abusing drugs also will make you spend more in health insurance. Avoid self-medication also and you'll definitely get more affordable rates than individuals who do not.


4. There are folks who may not qualify for special health insurance for low-income earners and at the same time are unable to afford standard health insurance. If you're one of such people, you'll benefit much by using a discount medical card. So what are they?

Such a card gives you access to a network of health care providers who are contracted to provide their services at reduced rates to all card carriers. Such cards are not connected to any health insurance carrier.

You can make use of this option if you have a pre-existing condition that has made health insurance providers either reject you or give you a rate that is very expensive. One advantage of a discount medical card is that everybody is welcome. Simply make your monthly payments and you will use a network of doctors who will bill you lower for their services.

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5. You can make savings on costs by using phone med services. These are free community services that offer medical advice by phone round the clock. They are usually operated by at least a registered nurse with a minimum of ten years experience so you can rely on the advice you get from them. Local clinics will also give you free medical advice by phone in most cases.

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

Moreover, you get timely help that could help you take care of certain issues before they get out of hand. For these and other reasons, take advantage of these free medical services.

6. Buying your prescriptions on the internet is a sure way to lower your health care spend. Buying by telephone will also get you cheaper prices. The internet reduces the cost of doing business and pharmaceutical companies or groups who sell their drugs online do so at cheaper rates. But to ensure you're buying from the right company, check. Organizations like BBB can tell you if a company should be trusted or not so don't fail to check.

Always remember that while we want to save costs we also want to stay safe.

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7. A straightforward but smart way of reducing your rate 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 reduces an insurer's overhead by eliminating the necessity of payment notices or checks. Your premium is therefore reduced to reflect the lower cost of giving you insurance.

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