Individual Medical Insurance -- Use The Following Tips

There are suggestions you must understand and implement if you're really committed to getting huge discounts. Here are a few of such things...

1. The use of tobacco in any form will increase your rates. Those who snuff or chew tobacco will also pay higher rates than individuals who don't

Therefore, you will help yourself attract cheaper rates if you avoid tobacco use in any form.

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2. You'll attract cheaper rates for a group plan than otherwise. So take advantage of it if you are in a position to use one.. The higher your risk the more you'll save if you use a group plan.

You can also make considerable savings with a group plan if you have to pay very high health insurance rates because of a pre-existing medical condition. A group plan is an easy way of lowering your cost without compromising the quality of coverage you will enjoy.

3. Opting for catastrophic health insurance plans will help you make considerable savings in health insurance and is your best bet if you are rarely sick. For people who might not know what it is, it's a kind of plan that caters for you if you fall ill suddenly or are involved in an accident.

You will really appreciate this plan if you ever need to pay huge bills due to unforeseen diseases or accidents. Catastrophic health insurance rates are generally very affordable.

Nevertheless, the deductibles are generally as high as $2,000 but they are definitely worth it because you hardly get sick and are protecting yourself in case a catastrophic illness or accident happens.

4. You will as well pay a more affordable rate if you have a healthy lifestyle. The quality of your diet will eventually affect your rate. It will benefit you to stick with the specified diet for you if you want a healthy life and cheaper premiums.

You will as well help your health and rate by having regular exercise.

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5. Using a Preferred Provider Organization (PPO) is another way you can cut down on cost. But unlike an HMO, it gives you more options and understandably it is as well generally more expensive.

Check your purse and your needs and decide whether this is a better option than other plans. If cost is your main concern, you'll actually make more savings by making use of a PPO instead of getting traditional health insurance.

6. You may qualify for Medicaid if you are really finding it hard to purchase a regular health insurance policy. The requirements for eligibility vary with different states. Despite the differences in each state, Medicaid is for individuals that have low incomes. Being employed on its own doesn't disqualify you.

Someone in your family might be eligible even if you don't and therefore reduce your family health insurance spend. So find out from your state's Medicaid program if you qualify.

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7. There are situations for which you really shouldn't visit a doctor. Clear example are viral infections like flu about which your doctor can't help. We all know that your doctor can't do you much good if you have a viral infection.

There's no way you can justify spending $100 for something you should have handled on your own. I also think there are a few home incidents that your first aid box will take good care of.

Teach yourself simple first aid procedures. Most of those incidents would be well attended to if you take some time out to learn a little about first aid and also have a good first aid box.

But even in those situations if you are not certain of what to do go and see a doctor since it's better to lose money than to endanger your life. And a word of caution to those who may believe they have learned so much (while they are not trained medical professionals) know what you should not even attempt unless there is no way to get to a doctor on time. The law forbids you to do certain things if you are not a certified medical professional. Having the right balance is necessary in this and such cases. This will reduce your visits to the doctor and, also, reduce your rates.
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