Individual Medical Insurance -- The Following Are Proven Savers

If you must attract big discounts, then you must NOT forget certain things. Following are a few of such things...

1. Even though many individuals have realized that smoking increases their rates, they may not know that the same is also true if they use other tobacco products. For instance, you'll attract a higher premium if you chew or snuff tobacco.

Therefore, for your wellbeing and cheaper rates, quit using any tobacco product.

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2. A group plan is usually cheaper than an individual plan. Don't miss it if you're in an institution that gives you the option to use a group plan as it naturally means that you'll pay lower rates. The higher your risk the more you'll save if you use a group plan.

This is also applicable to those who have pre-existing medical conditions that get very high premiums. Therefore, using a group plan is an easy to get adequate coverage at an affordable rate.

3. If you're rarely ever sick you will save a lot by buying catastrophic health insurance instead. This type of policy takes care of you if you suddenly fall sick or are involved in an accident.

The best part of this policy is normally appreciated in cases where an ailment or accident makes the patient incur very exorbitant medical bills that would otherwise destroy most people's life savings. The name surely does give a clue of what it provides coverage against. They can be bought at very cheap rates.

But bear in mind that the deductibles are as high as $2,000. Notwithstanding, you'll be willing to contribute that little if your medical bills run up to $50,000. This is where catastrophic health insurance truly excels.

4. You will as well get a lower rate if you pursue a healthy lifestyle. If you can stop taking junk food you will pay less with time. Cutting off fats, cholesterol and high carb from your diet makes it easier for you to keep up the right weight, live a healthier life and, as a result, attract lower rates.

In the same way, you will be healthier and so have to see the doctor less if you routinely exercise up to 30 minutes daily.

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5. Making use of a Preferred Provider Organization (PPO) is another way you can cut down on cost. It is more expensive than an HMO but also gives you more choices.

You can evaluate your needs and what you stand to save by either making use of a PPO or regular health insurance. If you need to make more saving but as well want more choices than is offered by an HMO, then make use of a PPO.

6. You may eligible for Medicaid if you are really finding it difficult to purchase a regular health insurance policy. Eligibility requirements vary with various states. But the underlying criterion is that you must be a low-income earner. It does not matter whether you're employed or not.

Someone in your family might be eligible even if you don't and therefore lower your family health insurance cost. So verify from your state's Medicaid program if you are eligible.

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7. There are situations for which you really shouldn't see a doctor. For instance, your doctor can really do nothing for you if you have a cold or flu. There are easy steps you should take and if you go to the doctor you'll pay and still be told the same things.

If your doctor cannot do anything about a health condition then I think it is unwise to spend about $100 on a visit to him or her. This also applies to simple first aid treatment.

It pays to know how to handle simple home emergencies especially if you have kids. Learning a few simple things and having a well-equipped first aid box will help you save much on avoidable visits to a doctor.

But that said, it is better to err on the side of caution and go to a doctor if you're not certain. And, even for those who do are versed in first aid, remember your limits. There are cases you are not meant to even attempt if you are not a medical professional. Having the right balance is necessary in this and such matters. This will cut your visits to the doctor and, consequently, lower your cost.
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