Personal Health Insurance -- You Can't Pass Up Huge Discounts With These

If you must get huge discounts, then you must NOT miss certain things. I'll show you some of them here...

1. Notwithstanding the fact that most insurance prospects are aware that smoking adds to their rates, they may not know that the same is also true if they use other tobacco products. For example, you will attract a higher premium if you chew or snuff tobacco.

So, you will help yourself attract less expensive rates if you stay away from tobacco use in any form.

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2. A group health insurance plan is more affordable than an individual plan. Therefore take advantage of it if you are in a position to use one.. This should be of particular interest to elderly individuals, smokers or obese individuals who typically get high premiums.

You can also make considerable savings with a group plan if you have to pay very high health insurance rates due to a health condition. A group plan is a simple way of lowering your premium without compromising the quality of coverage you get.

3. If you're hardly ever ill you'll save a lot by buying catastrophic health insurance instead. You are given coverage for those ailments or medical needs that may arise suddenly.

The greatest benefit of this policy is in cases where sudden diseases or accidents result in huge bills that could at best be called catastrophic. The name really does give an idea of what it provides coverage against. The premium you pay for catastrophic health insurance is truly affordable.

Notwithstanding, the deductibles are normally as much as $2,000 but they are definitely worth it since you rarely get sick and are protecting yourself in case a catastrophic illness or accident happens.

4. You'll as well get a more affordable rate if you have a healthy routine. The quality of your diet will in the long run affect your rate. Try to cut off cholesterol, fats and high carb from your diet and you will not only pay less but also enjoy a healthier life.

Similarly, you will be healthier and as a result have to visit the doctor less if you consistently exercise up to thirty minutes every day.

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5. Using a Preferred Provider Organization (PPO) is another way you can cut down on rate. It costs more than an HMO and as well gives you more choices.

You can consider your needs and what you stand to save by either making use of a PPO or traditional health insurance. If saving is your aim other than more choices then join a PPO.

6. If you earn little then you might qualify for Medicaid. Different states have different eligibility criteria. Despite the differences in various states, Medicaid is for individuals that are in the low income bracket. Having a job does not disqualify you.

Even if you don't qualify another family member might and that will help bring down your family health insurance spend. Therefore, verify from your state's Medicaid program.

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7. There are situations for which you really should not see a doctor. For example, your doctor can really do nothing for someone who has a cold or viral infections. Using some home remedies will really help in such conditions. We all know that your doctor cannot do you much good if you have a viral infection.

So does it make sense to spend close to $100 in visiting a doctor when you already know that your condition won't be helped much? I also believe there are a few home incidents that your first aid box will take good care of.

Learn little first aid procedures. Knowing a few simple procedures and having a well-stocked first aid box will help you save considerably on avoidable visits to a doctor.

But that said, it is better to err on the side of caution and see a doctor if you're not certain. But, please, know your bounds and don't forget that there are cases you must refer to a doctor even if you know what to do. There are cases you're not meant to even attempt if you're not a medical professional. Just know what you should handle on your own and don't attempt what you shouldn't. You'll spend less on health insurance without endangering yourself or yours if you do this.
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