Tips For Lower Healthcare Insurance

Certain ways of cutting down your rates usually compromise the quality of coverage you enjoy and are, therefore, NOT smart. You can, nevertheless, still pay a lot less without reducing the level of your coverage if you understand and implement the right tips. Let's look deeper into this...

1. Lines of duty that are considered hazardous get more expensive premiums. You'll pay cheaper premiums if you quit a hazardous occupation for a non-hazardous one. Someone who works in a nuclear plant can't get the same rates with a a salesperson in the neighborhood bookshop.

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2. How much can you contribute out of your pocket each time you visit your doctor? This is your co-pay. Your rate will be lower if you choose a higher co-pay. You're seriously encouraged to select a high co-pay if you go to the doctor just once in a very long time.

3. This is an issue that may not concern most people but is still worth mentioning...

Apart from the fact that you're putting your life at risk, using banned or yet-to-be-approved drugs will increase you rates. And even if the use of certain drugs is NOT illegal, abusing them will definitely make you pay much higher rates. Avoid self-medication also and you'll definitely get lower rates than those who do not.


4. Some persons are not poor enough to be eligible for plans for the low income earner and as well have financial constraints that make standard health insurance unaffordable. If you're among such individuals, you'll benefit much from a discount medical card.

Such a card permits you to use a network of health care providers who are contracted to provide their services at more affordable rates to all card carriers. Such cards aren't managed by any health insurance company.

You can make use of this option if you have a medical history that has made health insurance carriers either reject you or give you a rate that is too high. This type of card does not reject anyone despite your health condition. You just need to pay a monthly subscription to qualify to use their network of health care givers.

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5. If you take advantage of phone med services you'd have done much to reduce your rates. A phone med service works twenty four hours daily and gives free medical advice. They are normally operated by at least a registered nurse with not less than 10 years experience so you can trust the advice you get from them. You'll also get free medical advice by calling local medical clinics.

Although this is not an alternative to visiting a doctor, they can actually reduce your cost by bringing down the number of visits you make to a doctor.

In addition, you receive timely help that could help you treat certain issues before they get out of hand. So they are worth giving serious consideration.

6. You can reduce your costs by buying prescriptions online. Buying by telephone might as well give you affordable prices. Drugs are cheaper online because the cost of running a business is dramatically cheaper with the internet. But if you choose to buy online do all within your power to find out a little about whom you're buying from because there are wolves online. Simply go to BBB online and you'll know if you should buy from a specific company.

This is quite very important as you don't want to risk your health in the name of making savings.

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7. You'll get cheaper rates if you make your payments by Electronic Funds Transfer (EFT). By doing this you authorize your insurer to automatically withdraw your payments from your account when due. This reduces an insurer's overhead by removing the necessity of payment notices or checks. This is why this results in lower premium.

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