Personal Health Care Insurance -- These Are Time-Tested Savings Tips

There are things you must take note of and implement if you're truly keen on getting huge discounts. I'll share a good number of them here...

1. It is now clearly understood that smoking causes higher rates. What people might not appreciate is that the same also applies if you use any other form of tobacco product. Individuals who snuff or chew tobacco will also get higher rates than individuals who don't

So, you'll help yourself attract more affordable rates if you stay away from tobacco use in any form.

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2. You'll get a lower rate for a group plan than you will for an individual plan. Take advantage of it if you're in a position that offers you the option of using a group plan as it generally implies that you'll pay lower rates. The higher a risk your profile is the more you'll save if you can get health insurance through a group plan.

A group plan will help you make considerable savings if you have a health condition that makes individual health insurance either too costly or almost impossible to get. A group plan is a good way to lower your premium without bringing down the quality of coverage you be given.

3. If you're hardly ever sick you'll make substantial savings by settling for catastrophic health insurance instead. For people who might not know what it is, it's a type of policy that provides coverage if you fall ill suddenly or get involved in an accident.

The best part of this policy is normally appreciated in cases where an ailment or accident makes the patient incur very exorbitant medical bills that would otherwise destroy most people's life savings. The name surely does give a clue of what it provides coverage against. They come at very affordable rates.

What are normally high are the deductibles which can be as high as $2,000. But considering that you are protecting yourself from accidents or health conditions that would cost tens of thousands of dollars such deductibles are not quite that high -- Relatively.

4. Healthy living will attract cheaper rates. If you can avoid taking junk food you'll pay less over time. 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, get cheaper rates.

You'll as well help your health and rate by going on routine exercise.

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5. Joining a Preferred Provider Organization (PPO) is another way you can reduce your rate. It is more expensive than an HMO and as well offers more options.

You can evaluate your needs and what you stand to save by either making use of a PPO or traditional health insurance. If you want to make more saving but as well need more flexibility than is offered by an HMO, then make use of a PPO.

6. If you earn little then you might qualify for Medicaid. Various states have different eligibility criteria. But fundamentally, they are for low-income families. You can still qualify even if you have a job.

It would lower your spend if you or any family member meets the criteria. You can verify whether you or yours are eligible from your state's Medicaid program.

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7. There are cases for which you really should not see a doctor. Take, for example, a viral infection like flu. Seeing your doctor will really make no difference in your health if you understand the right right steps to take. We all know that your doctor can't do you much good if you have a viral infection.

There is no way you can justify spending $100 for something you should have dealt with by yourself. I also think there are a few home incidents that your first aid box will take good care of.

It is better to know how to take care of simple home emergencies especially if you have kids. Knowing a few little things and having a well-stocked first aid box will help you save considerably on unnecessary visits to a doctor.

But even in those cases if you are not certain of what to do visit a doctor since it is better to lose money than to endanger your life. And, for people who are versed in first aid, know your boundaries. You are not simply allowed by law to attempt some things except you're a certified medical practitioner even if you know what to do. Just know what you should handle on your own and don't attempt what you should not. This will reduce your visits to the doctor and, consequently, reduce your rates.
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