Individual Healthcare Insurance -- Here Are Tips You Must Not Ignore

If you must attract big discounts, then you must NOT forget certain things. I'll discuss a good number of them here...

1. Although many insurance prospects know that smoking adds to their rates, they may not know that this also applies if they use other tobacco products. Those who snuff or chew tobacco will also pay higher rates than individuals who don't

Staying off all tobacco products will result in cheaper health insurance.

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2. You'll pay a lower rate for a group plan than you will for an individual plan. Therefore, for individuals who have the opportunity to use a group plan, it gives you the opportunity to pay lower rates than otherwise.. The higher your risk the more you'll save if you can use a group plan.

A group plan will save you a lot if you have a pre-existing condition that makes individual health insurance either too expensive or difficult to get. A group plan is a simple way of lowering your rate without bringing down the quality of coverage you get.

3. Opting for catastrophic health insurance policies will help you save substantially in health insurance and is best for you if you are rarely sick. This kind of policy is useful for you if you suddenly fall sick or are involved in an accident.

The beauty of this policy is normally appreciated in situations where a health condition or accident makes the patient incur very exorbitant medical bills that would otherwise wipe out most people's life savings. Catastrophic health insurance premiums are generally very affordable.

However, take note that the deductibles are as high as $2,000. Be that as it may, you'll be willing to contribute that little if your medical bills total as high as $50,000 which is where this policy truly shines.

4. Healthy living will get you cheaper rates. The quality of your diet will sooner or later affect your rate. You will do well to stick to the right diet for you if you want a healthy life and more affordable premiums.

You will also help your health and rate by going on routine exercise.

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5. Similar to an HMO, a Preferred Provider Organization (PPO) is generally more affordable than traditional health insurance. It is more expensive than an HMO and also gives you more options.

You can evaluate your needs and what your profit would be for either using a PPO or traditional health insurance. If you want to save more but also need more choices than is available with an HMO, then join a PPO.

6. If you are a low-income earner then you may be eligible for Medicaid. Different states have different eligibility criteria. In spite of the differences in each state, Medicaid is for individuals that are in the low income bracket. It doesn't matter whether you're employed or not.

It would lower your spend if you or any family member meets the requirements. So confirm from your state's Medicaid program if you qualify.

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7. There are things that you'd do well not to see a doctor about as it only adds to your health care spend without doing you any real good. For instance, your doctor can really do nothing for someone who has a cold or flu. We all know that your doctor can't do you much good if you have a viral infection.

There is no way you can justify spending $100 for something you should have dealt with by yourself. This also applies to simple first aid treatment.

Teach yourself simple first aid procedures. Most of those emergencies would be well taken care of if you take some time out to learn a little about first aid and also have a good first aid box.

However, it's better to err on the side of caution and visit a doctor if you are unsure. And, even for those who do have some experience with first aid, remember your limits. There are things you are not supposed to even attempt if you are not a medical doctor. Just handle what you should treat on your own and don't attempt what you shouldn't. This will bring down your visits to the doctor and, also, reduce your rates.
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