Steps To Affordable Health Insurance

You can lower your rates considerably by compromising the level of coverage you enjoy. That's NOT advisable. You can, nevertheless, still pay a lot less without reducing the level of your coverage if you know and apply the right tips. Let's look deeper into this...

1. You'll attract more expensive premiums just because your line of duty exposes you to much hazards. You'll get more affordable rates if you quit a hazardous line of duty for something safe. If your occupation exposes you to dangerous substances, for example, your premiums will be much higher than that paid by a comparable profile who probably works as a cashier in a shop.

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2. How much can you pay out of your pocket each time you visit a doctor? This is what is called your co-pay for those who don't know already. The higher your co-pay, the more affordable your premium will be. If you hardly ever need to see a doctor, you may make much savings by opting for a high co-pay.

3. This won't be an issue for most individuals but we will still make mention of it...

The use of banned drugs will raise your rate. And even if the use of certain drugs is approved, abusing them will as well make you attract higher rates. Steer clear of self-medication as well and you'll definitely get lower rates than individuals who do not.


4. Some people find themselves in a position where they are not eligible for Medicaid and as well have great difficulty paying for traditional health insurance. A discount medical card is a cheaper alternative for such people.

Such a card permits you to use a network of doctors who are contracted to provide their services at reduced rates to all card carriers. This card is not managed by an insurance company.

It is as well a great option for people with a pre-existing disease that will make them uninsurable with most health insurance schemes or make them get high rates. One advantage of a discount medical card is that everyone is welcome. Simply make your monthly payments and you will use a network of doctors who will bill you less for their services.

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5. You can make savings on costs by making use of phone med services. These services gives free medical services 24 hours daily. You have at least a registered nurse with a minimum of ten years experience on hand to give you free medical advice you can trust. Your local clinic is also another place you can get free medical help by phone.

Although this does not take the place of visiting a doctor, these can actually reduce your cost by reducing the number of visits you make to a doctor.

A timely medical help could be the difference between a serious health condition and a mild one. This is compelling enough for you to make use of them even if they don't help you reduce your rates.

6. It will cost you far less and reduce your costs if you buy your prescriptions online. You can also be given cheaper prices if you buy by phone. The internet lowers the cost of doing business and pharmaceutical companies or groups who sell their drugs online do so at cheaper prices. But if you choose to buy online do all within your power to find out a little about whom you are buying from because there are wolves online. Organizations like BBB can tell you if a company should be trusted or not so do not fail to check.

Don't forget that while we want to reduce costs we also want to stay safe.

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7. You'll attract lower premiums if you pay by Electronic Funds Transfer (EFT). This simply means your insurance provider takes your premiums automatically from your account each month without mailing you payment notices. This brings down administrative costs like those involved in sending payment notices. This is why this gets you lower premium.

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