Steps To Affordable Medical Insurance

Certain ways of reducing your rates do compromise the quality of coverage you enjoy and so are NOT recommended. But here's a better way: Apply the right steps and do a few things right and you'll get huge discounts I'll show you how...

1. You'll get more expensive rates simply because your vocation exposes you to much hazards. Changing over to a non-hazardous profession will bring down your rate by a considerable margin. Since a clerk in a a bookshop is not exposed to any health risks like a nuclear plant worker, he or she would pay less expensive rates.

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2. What amount can you contribute out of your pocket each time you see the doctor? This amount which you pay out of your own pocket is known as your co-pay. Your premium will be less expensive if you choose a higher co-pay. This is particularly recommended for folks who rarely go to see a doctor.

3. Even though this may not be an issue for most people it should be mentioned...

Beside the fact that you are putting your life at risk, using banned or unregistered drugs will increase you premium. Abusing drugs also will make you pay much more in health insurance. Self medication should be avoided both for the serious consequences to your health and rates.


4. Some folks find themselves in a position where they are not qualified for Medicaid and also have great difficulty paying for traditional health insurance. A discount medical card is a cheaper alternative for people like that. So what are they?

This type of card lets you use a network of doctors who have agreed to render services at reduced rates to all card carriers. Such cards are not issued by an insurance company.

You can use this option if you have a pre-existing condition that has made health insurance carriers either reject you or give you a rate that is very expensive. This kind of card does not exclude anyone in spite of your health history. All you need do is pay a cheap monthly fee and you'll benefit from the services of a network of health care providers at a lower rate.

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5. Phone med services will help you reduce your rates. These services gives free medical services twenty four hours daily. They are normally operated by not less than a registered nurse with a minimum of ten years experience so you can rely on the advice you are given by them. Your local clinic is as well another place you can get free medical help by phone.

This, generally, should bring down the number of visits you make to a doctor even though it does not take its place.

In addition, you receive timely help that could help you take care of certain conditions before they get out of hand. So they are worth giving serious consideration.

6. It will cost you far less and reduce your costs if you buy your prescriptions over the internet. You can as well get cheaper prices if you buy by phone. Companies who sell through the internet have lower outlays than brick and mortar businesses and this means that they can and (do sell) at cheaper prices. But if you choose to buy online try to find out a little about whom you are buying from because there are wolves online. Simply go to BBB online and you will know if you should buy from a particular company.

Don't forget that while we want to reduce costs we also want to avoid risks.

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7. Electronic Funds Transfer, known as EFT is a simple way to lower your premium. it authorizes your bank to credit your insurance provider with your payments automatically until you stipulate otherwise. This saves your insurer in many ways including eliminating the cost of sending payment notices and the cost of processing checks. Your insurance carrier passes part of what they save to you by reducing your rates.

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