Tips For Lower Health Insurance

Although you can make savings by reducing your coverage, it is not advisable if it puts you at risk. However, you can get cheaper rates for superior coverage if you know the things that matter and take necessary precautions. I'll show you how...

1. Professions that are seen a hazardous get more expensive premiums. You will get less expensive premiums if you leave a hazardous vocation for a safe one. Since a clerk in a a bookshop isn't exposed to any health hazards like a nuclear plant worker, he or she would attract more affordable rates.

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2. How much do you accept to pay out of your pocket each time you visit the doctor? This is what is known as your co-pay for those who don't know already. The higher the amount you choose as your co-pay, the cheaper your premium will be. You're particularly encouraged to select a high co-pay if you visit the doctor just once in a very long period.

3. This won't be a problem for most individuals but we will still have to talk about it...

Using illegal drugs will raise your costs. Misusing drugs also will make you spend more in health insurance. Self medication should be avoided both for the grave consequences to your health and rates.


4. There are individuals who may not qualify for special health insurance for low-income earners and at the same time don't really earn enough to easily pay for regular health insurance. A discount medical card is a cheaper alternative for such people.

Such a card gives you access to a network of health care providers who are contracted to provide their services at lower rates to all card carriers. They aren't generally given any health insurance company.

You can make use of this option if you have a medical history that has made health insurance companies either reject you or give you a rate that is very expensive. This kind of card does not reject anyone despite your health history. All you need do is pay an affordable monthly fee and you'll be eligible to use the services of a network of health care providers at a reduced rate.

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5. Phone med services are great services that will help reduce your rates. A phone med service works twenty four hours daily and provides free medical advice. You can trust the advice you get because they are given by qualified personnel (usually not less than a registered nurse with at least 10 years experience). Local clinics provide free medical advice by phone in most cases.

Although this is not an alternative to seeing a doctor, they can really reduce your spend by bringing down the number of times you see a doctor.

Furthermore, you get timely advice that could help you treat certain conditions before they get out of hand. This is compelling enough for you to make use of them even if they do not help you lower your rates.

6. You can lower your costs by buying prescriptions online. You can also be given affordable prices if you buy by phone. Drugs are cheaper online because the cost of operating a business is remarkably cheaper with the internet. Nevertheless, you will do well to check the company you are buying from so you do not put yourself at risk. It's quite easy to verify by using a resource like BBB.

While we want to lower our health care costs we also have to make sure we safeguard our lives. Checking with BBB online and other such services will help you stay safe while you buy at the best rates online.

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7. Electronic Funds Transfer (EFT) is a smart way to bring down your premium. This authorizes your bank to credit your insurer with your premiums automatically until you advise to the contrary. This reduces an insurer's overhead by eliminating the need for payment notices or checks. Your insurance carrier passes part of what they save to you by offering you lower premium.

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