Low Cost Individual Health Insurance -- Ways To Attract It

To what extent have you gone in taking steps to attract the cheapest individual health insurance rates? Did you simply give up after using the few recommendations you got then? Are you quite certain you've learnt all the steps there are to take to save considerably? I've got many more guaranteed tips here...

1. You will save by having your children insured through state plans. There are usually criteria for eligiblity.

They'll either be totally free or close to that so check to see if you are eligible. These plans can save you a lot if your child has a special illness that will make you spend much if you insure them with private insurance providers.

2. It's now clearly known that smoking causes higher individual health insurance rates. What some might not appreciate is that the same also applies if you use any other type of tobacco product. Chewing or snuffing tobacco, for instance will cost you in higher premiums.

Therefore, you will help yourself get cheaper rates if you stay away from tobacco use in any form.

3. Take advantage of free clinics if you intend to lower your cost. You'll either lower your premium directly or have fewer and reduced co-payments to make this way. Such free clinics will take care of simple things like giving you medical advice, blood pressure checks and much more. These clinics could be operated by a community or rendered as community service by an organization.

4. People with excess weight attract far higher individual health insurance rates than individuals with normal weights. There's something known as Body Mass Index (BMI) which is used to determine a prospect's premium.

A high BMI will always attract a high premium all other things being equal. The more overweight you are for your height and sex the higher your Body Mass Index rating will be. Now do not wait until when you can lose thirty pounds since shedding five pounds can reduce your Body Mass Index rating which will result in cheaper rates.

5. You will spend far less and reduce your costs if you buy your prescriptions over the internet. You can also get cheaper 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. But to ensure you are buying from a good company, check. Organizations like BBB can tell you if a company should be trusted or not so do not fail to check.

Don't forget that while we want to save costs we also want to avoid risks. Checking with BBB online and other such services will put you on the safe side while you buy at cheaper rates online.

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