Low Cost Individual Health Insurance -- Tips To Find It

To what extent have you gone in positioning yourself to attract the cheapest individual health insurance rates? Have you limited yourself to one or two ideas that you got a years ago? Won't you like to get more tips since that will mean saving even much more? Then check if you've made use of the following...

1. There are state plans for kids that will reduce your expenses if you use them for your children. However, not everyone is eligible to use these plans.

They will either cost you nothing or require very little payment so check to see if you are eligible. These state plans for children will save you a ton of cash if you have a child with a special ailment when compared to what you'd pay if you buy standard health insurance.

2. Notwithstanding the fact that a good number of individuals are aware that smoking adds to their individual health insurance rates, they may not know that this also applies if they use other tobacco products. For example, you'll get a higher rate if you chew or snuff tobacco.

Therefore, you'll help yourself attract lower rates if you avoid tobacco use in any form.

3. Go for free clinics if you intend to lower your spend. They will either reduce your co-payments or rate entirely. You can get professional medical advice, blood pressure checks and and other medical service at such free clinics. Some communities provide such facilities and others may just be part of a group's social responsibility program.

4. That extra weight will make you spend a lot in health insurance. There is something known as Body Mass Index (BMI). It is used to determine a prospect's premium.

The higher a person's BMI rating, the more expensive their premium will be. You're overweight for your height and sex if your BMI is high. And don't think that you'll get savings only when you lose 50 pounds, just losing a few pounds will get you lower rates provided it alters your BMI rating.

5. It will cost you far less and lower your costs if you buy your prescriptions online. You can also get cheaper prices if you buy by phone. The internet reduces the cost of doing business and pharmaceutical companies or groups who sell their drugs online do so at lower prices. But if you choose to buy online do all within your power to find out a little about whom you're buying from because there are wolves on the internet. Organizations like BBB can tell you if a company should be trusted or not so do not fail to check.

Always remember that while we want to save costs we also want to avoid risks. Checking with BBB online and other such services will put you on the safe side while you buy at more affordable prices online.

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