Tips For Lower Health Care Insurance

You can lower your rates considerably by compromising the scope of coverage you get. That's NOT smart. Nevertheless, you can pay much less for superior coverage if you know the things that matter and and apply them rightly. I'll explain how...

1. You can get higher rates just because your line of duty exposes you to much hazards. Choosing a less-hazardous profession will reduce your rate by a good margin. Since a salesperson in a grocery shop is not exposed to any health risks like a nuclear plant staff, he or she would get more affordable rates.

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2. What amount can you contribute out of your pocket each time you visit the doctor? This is known as your co-pay. Increasing your co-pay reduces your premium. You're especially encouraged to choose a high co-pay if you visit a doctor just once in a very long period.

3. This is something that may not concern most folks but should be mentioned...

The use of unregistered drugs will raise your costs. And where the use of certain drugs is NOT illegal, abusing them will as well make you pay much higher rates. Furthermore, stay away from self-medication for both its dire consequences and the fact that it will increase your rates.


4. Some individuals find themselves in a situation where they are not qualified for Medicaid and as well have great difficulty paying for traditional health insurance. A discount medical card is a more affordable option for people like that.

Such a card gives you access to a network of doctors who have agreed to render services at lower rates to all card carriers. Such cards aren't given by any health insurance carrier.

You can fall back to this option if you have a medical history that has made health insurance carriers either declare you uninsurable or give you a rate that is very expensive. There are no exclusions for any reason. All you are expected to do is pay a little monthly fee and you will benefit from the services of a network of health care providers at a reduced rate.

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5. You can make savings on costs by making use of phone med services. These are free community services that offer medical advice by phone round the clock. You can trust the advice you get because they are manned by competent personnel (normally not less than a registered nurse with at least 10 years experience). Local clinics provide free medical advice by phone in most cases.

Even though this does not take the place of visiting a doctor, they can actually reduce your spend by bringing down the number of times you see a doctor.

Moreover, you get timely help that could help you handle certain conditions before they get out of hand. For these and other reasons, take advantage of these free medical services.

6. Buying your prescriptions online is a proven way to lower your health care costs. Buying by telephone might also get you affordable prices. Drugs are cheaper online because the cost of doing business is considerably lower with the internet. Nevertheless, you will do well to check the company you're buying from so you do not endanger yourself. Organizations like BBB can tell you if a company is trustworthy or not so don't fail to check.

This is quite very important as you don't want to endanger your health in the name of making savings. Checking with BBB online and other such services will put you on the safe side while you buy at more affordable rates online.

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7. An easy but effective way of bringing down your premium is by authorizing an EFT (Electronic Funds Transfer). This authorizes your insurer to automatically withdraw your payments from your account when due. This saves your insurer in many ways such as removing the cost of mailing payment notices and the cost of processing checks. Your premium is therefore lowered in line with the cheaper cost of giving you insurance.

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