Low Cost Medical Insurance -- Don't Ignore These If You Expect Lower Rates

There are little things that will go a long way in helping you get superior coverage at lower rates. Do you know those things? Here are some...

1. You can pay higher rates just because your profession exposes you to much hazards. Changing over to a non-hazardous occupation will lower your rate by a considerable margin. Because a salesperson in a supermarket isn't exposed to any health hazards like a nuclear plant staff, he or she would get much lower rates.

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2. Being more flexible in your choice of health care providers will help you get more affordable quotes. Your favorite doctor or hospital may not be part of a network that offers such cheap rates. You'd have to stop using your favorite doctor if he or she isn't part of the network.

If you can't make this kind of sacrifice, then you cannot really pay less for your health coverage using this option. Bear in mind that it's really recommended that you weigh the pros and cons.

3. Your premium will drop if you increase your deductible. For people who don't know what a deductible is, it is an amount you will pay before your insurance provider pays according to your policy's terms. Even though it's recommended that you select a very high deductible, be certain that it's an amount that you can pay with relative ease.

4. Keep up a healthy life style and you'll get cheaper rates over time. The quality of your diet will sooner or later affect your rate. Avoid cholesterol, fats and high carb from your diet and you'll not only pay less but also enjoy a healthier life.

Beside your diet, your devotion to regular exercise will help you live a healthier life and likewise get you cheaper rates.

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5. Your health insurance plan would likely offer you up to two free visits to a doctor for preventative health care check ups.



It results in savings because the cost of dealing with ailments in their benign stages is cheaper than treating full blown health conditions. It costs your insurer less to do this than to treat health conditions when they are malignant..

Consequently they give you lower rates for helping them save.

6. You will reduce your cost by a huge margin if you take out time to do shopping right.. You will start your shopping right if you make inquires from friends about their experiences with different carriers.

It's also a good way of getting the best value as you'd make your choice on user experience and not any form of sales copy. You can rely on your friend to tell you their experience with an insurer without changing the story whether good or bad.

Asking friends will help you find the best value.

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7. It pays to look through your policy at least once a year or as much as you feel changes have occurred in your health or that of your family member. This will help you ensure you always have the right coverage. But most times it does happen that one of these checks reveals that you have more coverage than you need.

You will then reduce your rate by dropping such unrequired coverage. Consider a situation where you still have your just-wedded daughter on your family health insurance policy with the attendant higher premiums. Believe me, there are a lot of things on our minds these days. And you could be so happy with the fact that your child is now in college or married that the last thing you'll even think of is which insurance coverage you have to drop.
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