Individual Health Care Insurance -- These Are Time-Tested Savers

If you must enjoy huge discounts, then you must NOT forget certain things. I'll discuss a good number of them in this article...

1. It's now generally understood that smoking will attract higher rates. What many might not know is that the same also applies if you use any other form of tobacco product. People who snuff or chew tobacco will also get higher rates than those who don't

So for your health and less expensive rates, stop using any tobacco product.

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2. A group plan is less expensive than an individual health insurance plan. Don't miss it if you're in an institution that offers you the opportunity to use a group plan as it generally means that you'll pay lower rates. This should be of special interest to older persons, smokers or overweight persons who usually have to pay expensive premiums.

You can also save much with a group plan if you attract very expensive rates owing to a health condition. Give a group plan serious consideration if you really want cheaper rates.

3. Go for catastrophic health insurance instead of the traditional plan if you hardly fall take ill and you'll get better rates. This type of policy covers you if you suddenly fall sick or are involved in an accident.

The greatest benefit of this policy is where sudden diseases or accidents create huge bills that could at best be described as catastrophic. The name really does give an idea of what it provides coverage against. Catastrophic health insurance rates are generally very cheap.

But take note that it has deductibles that are as high as $2,000. Notwithstanding, you'll be happy to contribute that little if your medical bills total as high as $50,000. This is where this plan truly shines.

4. You will as well attract a cheaper rate if you pursue a healthy lifestyle. The quality of your diet will eventually affect your rate. You will do well to stick with the specified diet for you if you love a healthy life and cheaper premiums.

Beside your diet, your commitment to regular exercise will help you live a better life and also eventually get you more affordable rates.

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5. Making use of a Preferred Provider Organization (PPO) is another way you can reduce your rate. It is more expensive than an HMO but as well gives you more options.

You can evaluate your needs and what you stand to save by either using a PPO or traditional health insurance. If saving is your main concern, you will almost always save more by using a PPO instead of purchasing traditional health insurance.

6. If you find it quite hard to buy a traditional health insurance policy, you may be eligible for Medicaid. The rules for eligibility differ with different states. In spite of the differences in each state, Medicaid is for people that are in the low income bracket. Having a job doesn't disqualify you.

Even if you do not qualify another family member might and that will help bring down your family health insurance spend. Therefore, check with your state's Medicaid program.

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7. There are cases for which you really should not see a doctor. Take, for instance, a viral infection like flu. Seeing your doctor will change nothing about your health if you understand what to do. Using some home remedies will really help in those conditions. Your doctor will likely do things you should have done on your own at home in a case like that.

There's no way you can justify spending $100 for something you should have dealt with on your own. Other examples are little bruises that just simple first aid will handle properly.

It pays to learn how to handle simple home incidents especially if you have children. There are several things that you can (and should) take care of if you have taken the time to learn and as well have a well-stocked first aid box.

However, it is better to err on the side of caution and go to a doctor if you're not certain. And, for people who have some experience with first aid, don't forget your boundaries. The law forbids you to do certain things if you're not a certified medical professional. Having the right balance is important in this and other matters. You'll pay less on health insurance without endangering yourself or yours if you do this.
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