Tips For Lower Health Insurance

Certain ways of reducing your rates actually compromise the quality of coverage you get and are, therefore, NOT recommended. You can, however, easily pay a lot less without reducing the quality of your coverage if you understand and apply the right tips. I'll show you how...

1. You can attract more expensive rates simply because your profession exposes you to much hazards. You can bring down your rates if you switch to another profession that will not expose you to hazards. An individual who works in a nuclear plant can't get similar rates with a a salesperson in the local grocery.

Insurance Quote

2. How much do you plan to contribute to payments for your visits to your doctor? Such an amount which you pay out of your own pocket is known as your co-pay. Your rate will be cheaper if you opt for a higher co-pay. You're seriously encouraged to select a high co-pay if you see a doctor just once in a very long period.

3. Notwithstanding that this may not be a problem for most folks it should be mentioned...

Do not use medications that have either been banned or have yet to be registered as they will make you attract higher rates if discovered and that's apart from the fact that you're exposing yourself to danger. And where the use of certain drugs is NOT illegal, abusing them will certainly make you attract higher rates. Avoid self-medication as well and you will certainly get more affordable rates than individuals who do not.


4. Some people are not poor enough to qualify for plans for low-income earners and also have financial challenges that make standard health insurance hard to pay for. A discount medical card is a cheaper option for such people.

Such a card gives you access to a network of doctors who have agreed to give services at lower rates to all card carriers. They aren't normally given any health insurance company.

It's as well a good choice for individuals with a pre-existing ailment that will make them uninsurable with most health insurance schemes or make them pay very exorbitant rates. This type of card does not decline anyone in spite of your health history. You only have to pay a monthly subscription to be eligible to use their network of health care professionals.

Low Cost Health Insurance

5. You can make savings on costs by taking advantage of phone med services. These are free community services that offer medical advice by phone 24/7. You can trust the advice you are given because they are given by qualified personnel (usually a minimum of a registered nurse with at least ten years experience). You'll also receive free medical help by calling local medical clinics.

This reduces the number of times you see a doctor and as a result your total cost on the long run.

In addition, you get timely advice that could help you handle certain matters before they get out of hand. For these and more reasons, take advantage of these free medical services.

6. You can lower your rates by buying prescriptions online. Buying by telephone will also get you lower prices. Companies who sell through the internet have lower outlays than brick and mortar businesses and this suggests that they can and (do sell) at cheaper prices. But to ensure you're buying from a good company, check. Organizations like BBB can tell you if a company is trustworthy or not so don't fail to check.

While we want to lower our health care spend we also need to ensure that we safeguard our health. Checking with BBB online and other such services will help you stay safe while you buy at the best rates online.

Health Insurance Quotes

7. A straightforward but effective way of lowering your rate is by authorizing an EFT (Electronic Funds Transfer). This authorizes your insurer to automatically withdraw your premiums from your account when due. This saves the insurance company in many ways such as removing the cost of sending payment notices and the expense associated with processing checks. Your insurance carrier passes part of what they save to you by bringing down your rates.

Get Health Insurance Quotes, Compare Plans And Save Much Now!
Get Quick Free NO-Obligation Quotes Now And Save!