Tips For Cheaper Health Care Insurance

Certain recommendations for lowering your rates do compromise the scope of coverage you enjoy and so are NOT smart. You can, nevertheless, easily pay much less without reducing the level of your coverage if you know and apply the right tips. These are recommendations that are good for you...

1. People whose lines of duty expose to hazards get less affordable premiums. You'll get less expensive rates if you leave a hazardous line of duty for a non-hazardous one. Because a clerk in a supermarket is not exposed to any health risks like a nuclear plant worker, he or she would attract much lower rates.

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2. What you're willing to contribute to payments for each visit to a doctor has a bearing on your rate. Such an amount which you pay out of your own pocket is called your co-pay. Your rate will be cheaper if you opt for a higher co-pay. This is particularly recommended for folks who rarely need to see a doctor.

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

Using illegal drugs will increase your costs. And, drug abuse will certainly make you attract costly rates. That is, if it does not make it impossible for you to get health insurance. Self medication should be stopped both for the grave danger it poses to your health and rates.


4. Some individuals are not poor enough to be eligible for plans for the low income earner and also have financial challenges that make regular health insurance unaffordable. If you are one of such people, you will benefit much by using a discount medical card.

With this special kind of card you get medical attention from a network of doctors who are contracted to provide their services to card carriers at more affordable rates. These cards aren't given by any health insurance company.

It's as well a great choice for individuals who may have a pre-existing disease that will disqualify them from most health insurance companies or make them attract prohibitive premiums. No one is declined for any reason. You only need to pay a monthly subscription to qualify to use their network of doctors.

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5. You can also save on costs by making use of phone med services. These are free community services that offer medical advice by phone 24/7. You can trust the advice you get because they are given by qualified personnel (usually a minimum of a registered nurse with at least 10 years experience). Local clinics provide free medical help by phone in most cases.

This, hopefully, should reduce the number of visits you make to a doctor even though it's not an alternative to doing so.

Moreover, you get timely advice that could help you handle certain matters before they get out of hand. This is reason enough for you to make use of them even if they do not help you lower your rates.

6. Buying your prescriptions on the internet is a sure way to lower your health care spend. Buying by telephone might also give you cheaper prices. The internet reduces the cost of doing business and pharmaceutical companies or groups who sell their drugs online do so at lower prices. But to ensure you are buying from a good company, check. Simply visit BBB online and you will know if you should buy from a particular company.

While we want to reduce our health care costs we also have to make sure we safeguard our lives.

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7. Electronic Funds Transfer (EFT) is a smart way to reduce your premium. This simply means your insurance provider takes your premiums automatically from your account at specified periods without mailing you payment notices. This brings down administrative overheads like those incurred when mailing payment notices. This is why this gets you more affordable rates.

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