Steps To Lower Health Insurance

Certain suggestions for reducing your rates usually compromise the scope of coverage you get and are, therefore, NOT recommended. Be that as it may, you can get cheaper rates for superior coverage if you know the things that matter and take necessary precautions. I'll explain how...

1. Folks whose vocations expose to hazards get more expensive premiums. Changing over to a less-hazardous occupation will reduce your rate by a remarkable margin. An individual who works in a nuclear plant can't get similar rates with a clerk in the local bookshop.

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2. The amount you're ready to contribute to payments for each visit to the doctor has a bearing on your rate. The amount which you pay out of your own pocket is known as your co-pay. Your rate will be cheaper if you choose a higher co-pay. This is particularly recommended for people who rarely need to see a doctor.

3. This won't be an issue for most people but we will still make mention of it...

The use of banned drugs will increase your rate. And, drug abuse will also make you attract very high rates. That is, if it does not make you uninsurable. Self medication should be avoided both for the grave danger it poses to your health and rates.


4. Some people are not poor enough to qualify for plans for low-income earners and also have financial constraints that make regular health insurance unaffordable. If you are one of such, then you can save on health care by buying a discount medical card.

A discount medical card makes you eligible to take advantage of a network of doctors who have agreed to provide card carriers medical services at a more affordable rate. They aren't normally affiliated with any health insurance company.

It is as well a great choice for people with a pre-existing ailment that will disqualify them from most health insurance companies or make them pay very exorbitant premiums. This kind of card does not exclude anyone despite your medical condition. All you are expected to do is pay a small monthly fee and you will be eligible to use the services of a network of health care providers at a lower rate.

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5. You can also save on costs by making use of phone med services. A phone med service works 24 hours everyday and gives free medical advice. You can trust the advice you are given because they are manned by competent personnel (normally a minimum of a registered nurse with at least ten years experience). You will as well get free medical advice by phone from local medical clinics.

Although this does not take the place of visiting a doctor, these can actually lower your spend by reducing the number of visits you make to a doctor.

In addition, you get timely help that could help you handle certain issues before they get out of hand. This is reason enough for you to take advantage of them them even if they don't help you lower your rates.

6. You will spend far less and lower your rates if you buy your prescriptions over the internet. You can also get affordable prices if you buy by phone. The internet lowers the cost of doing business and pharmaceutical companies or groups who sell their drugs online do so at lower rates. However, you'll do well to check the company you're buying from so you do not put yourself at risk. It's quite easy to verify by making use of a resource like BBB.

This is really very important as you don't want to endanger your health in the name of trying to save money.

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7. Electronic Funds Transfer (abbreviated as EFT) is a painless way to lower your rate. This authorizes your bank to credit your insurer with your premiums without any intervention from you until you advise otherwise. This brings down administrative overheads like those involved in sending payment notices. Your premium is therefore reduced in line with the lower cost of providing insurance to you.

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