Healthcare Insurance -- Seven Tips To Cut Down Cost

Are you interested in proven steps to enjoy cheap rates for coverage that won't compromise you? Then read through and apply these highly effective tips for getting better rates...

1. People with excess weight attract far more expensive rates than individuals with normal weights. An insured's Body Mass Index (BMI) is a serious factor that determines how much an individual pays as rate.

The higher a person's BMI rating, the more expensive their premium will be. Your weight is too much for your height and sex if your Body Mass Index is high. Do your best to shed excess weight since dropping even a few pounds could give you another BMI rating and result in cheaper premiums.

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2. The use of tobacco in any form will increase your rates. For example, you will pay a more expensive rate if you chew or snuff tobacco.

Staying clear of all tobacco products will help you get less expense in health insurance.

3. If you drive recklessly then be prepared to pay higher health insurance rates. Speeding tickets and other traffic offences can effectively add to your health insurance premium. This is because you'll make yourself a greater risk to your insurer.

Hence, good driving does not only save you much in your auto insurance, it also gives you lower rates in health insurance. If you use a fast muscle car or super bike, you will likely pay much more for health insurance. This is because they are more likely to make you need medical attention due to their higher risk of accidents.

4. While looking for low cost health insurance it's very important that you don't get carried away by just the cheapest quote. What you want is not merely the cheapest quote but the quote that offers the best value for its price. Depending on your profile, you can get very low rates that offer you the value you want if you shop well. But where you don't find the right value at the cheapest rate, you will be making the right decision if you spend more to make sure you truly get the type of plan that is right for you.

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5. Settling for catastrophic health insurance plans will help you save substantially in health insurance and is recommended if you are the consistently healthy type. You are given coverage for those health conditions or medical needs that may arise suddenly.

The biggest advantage of this policy is in cases where sudden diseases or accidents give rise to huge bills that could at best be called catastrophic. That's the reason it's protection against catastrophic illness or accidents. They come at very affordable rates.

But bear in mind that it has deductibles that are as high as $2,000. Notwithstanding, you'll be willing to contribute such if your medical bills total as high as $50,000 which is where catastrophic health insurance really excels.

6. A Flexible Spending Account helps you as you search for opportunities to save. You can keep tax-free dollars to take care of your health needs. Any amount unused could be carried over into the succeeding year (still tax free). With this you can eventually save a substantial amount to take care of your health needs.

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7. If you take alcoholic beverage your rates will be higher than a comparable profile that doesn't drink. Drinking increases your health risk.

You well know that several diseases are caused heavy drinking.

How much drinking is ok for you? I cannot advise you on that since I am not an expert on such matters.

What I know is the fact that avoiding alcohol use is would help a lot. If you cannot quit completely, drink in moderation if you want to bring down your risk to insurers.

It is just that for most people drinking in moderation is even more tasking than total abstinence. You can be assisted if you really want to quit drinking.
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