Personal Medical Insurance -- The Following Are Guaranteed Savings Tips

If you must attract huge discounts, then you must NOT forget certain things. Following are some of such things...

1. It is now clearly known that smoking will attract higher rates. What some might not appreciate is that this is also true if you use any other form of tobacco product. People who snuff or chew tobacco will also attract higher rates than those who don't

So, you'll help yourself get lower rates if you stay away from tobacco use in any form.

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2. A group health insurance plan is usually cheaper than an individual health insurance plan. So take advantage of it if you are in a position to use one.. This statement is even truer if you're overweight, a smoker or older.

A group plan will help you make considerable savings if you have a medical condition that makes individual health insurance either too costly or tough to come by. Give a group plan serious consideration if you are after more affordable rates.

3. Buying catastrophic health insurance plans will help you save a lot in health insurance and is best for you if you are the consistently healthy type. For folks who might not know what it is, it's a kind of plan that provides coverage if you fall sick suddenly or are involved in an accident.

The good thing about this policy is normally seen in situations where the illness or accident makes the patient incur very high medical bills that would otherwise destroy most people's life savings. That's why it's protection against catastrophic ailments or accidents. They are sold at very cheap rates.

Nevertheless, take note that the deductibles are as high as $2,000. Notwithstanding, you'll be happy to contribute such if your medical bills run up to $50,000. This is where this policy really excels.

4. Maintain a healthy routine and you'll attract lower rates over time. For instance, your rate will be lower with time if you stop taking junk food. Cutting off fats, cholesterol and high carb from your diet makes it easier for you to keep up the right weight, live a healthier life and, as a result, attract more affordable rates.

Apart from your diet, your devotion to daily exercise will help you live a healthier life and likewise get you more affordable rates.

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5. Using a Preferred Provider Organization (PPO) is another way you can cut down on rate. It is more expensive than an HMO and also gives you more choices.

You can consider your needs and what you stand to save by either making use of a PPO or traditional health insurance. If saving is more important to you than more choices then use a PPO.

6. If you earn little then you may be eligible for Medicaid. Qualification rules vary with various states. Despite the differences in each state, Medicaid is for individuals that are in the low income bracket. Being employed on its own doesn't disqualify you.

Even if you don't meet eligibility requirements another family member could and that will go a long way to lower your family health insurance budget. So find out from your state's Medicaid program if you are eligible.

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7. There are things that you'd do well not to see a doctor about as it only increases your health care spend without doing you any real good. Clear example are viral infections like flu for which your doctor can't help. There are easy steps you should take and if you go to the doctor you will pay and still be told the same things.

So does it make sense to spend nearly $100 to see a doctor when you already know that your situation would not be helped much? I also think there are a few home incidents that your first aid box will handle quite well.

If you do not know these little things spend time reading books on them especially if you have little children. Learning a few little procedures and having a well-stocked first aid box will help you save a lot on avoidable visits to a doctor.

But that said, it is better to err on the side of caution and visit a doctor if you're not certain. And a word of caution to individuals who may think they know so much (while they are not trained medical professionals) know what you should not even attempt unless there's no way to get to a doctor on time. There are things you're not meant to even attempt if you are not a medical professional. Do what you should and allow your doctor handle those he/she should. If you do this right you will pay less on health insurance and as well not put yourself at any risk.
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