Steps To Lower Health Insurance

You can reduce your rates considerably by downgrading the scope of coverage you get. That's NOT smart. You can, nevertheless, easily pay much less without reducing the scope of your coverage if you have and use the right tips. I'll show you how...

1. Occupations that are regarded as hazardous attract more expensive quotes. You can bring down your premium if you choose another occupation that will not expose you to hazards. Because a salesperson in a a bookshop isn't exposed to any health risks like a nuclear plant staff, he or she would attract less expensive rates.

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2. How much do you plan to contribute to payments for seeing your doctor? Such an amount which you contribute is your co-pay. Raising your co-pay brings down your rates. You're seriously encouraged to select a high co-pay if you go to the doctor just once in a very long time.

3. Notwithstanding that this may not be an issue for most people it should be mentioned...

Don't use medications that have either been banned or have yet to be registered as they will make you attract higher rates if discovered and that is apart from the fact that you're endangering your health. Abusing drugs as well will make you spend more in health insurance. Self medication should be avoided both for the serious implications to your health and rates.


4. There are folks who are not eligible for special health insurance for low-income earners and at the same time are unable to afford traditional health insurance. A discount medical card is a more affordable option for such people.

A discount medical card qualifies you to use a network of health care providers who have agreed to give card carriers medical services at a cheaper rate. Such cards are not issued by an insurance company.

If you have been disqualified from regular health insurance due to a pre-existing condition or think your rate is too high then you can bring down your spend by using this kind of card. One advantage of a discount medical card is that everybody can use it. All you are expected to do is pay an affordable monthly fee and you will benefit from the services of a network of health care providers at a lower rate.

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5. If you take advantage of phone med services you'd have done a lot to bring down your costs. These are free community services that provide medical advice by phone round the clock. You can trust the advice you get because they are given by qualified professionals (normally a minimum of a registered nurse with at least 10 years experience). Your local clinic is also 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.

The advice provided by them could also help you take safety measures that will prevent a serious ailment. For these and more reasons, take advantage of these free medical services.

6. You can reduce your rates by buying prescriptions on the internet. You can also get affordable 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 rates. But if you choose to buy online try to find out a little about whom you're buying from because there are wolves online. Organizations like BBB can tell you if a company is trustworthy or not so do not fail to check.

This is really very important as you don't want to endanger your health in the name of trying to save money.

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7. A straightforward but effective way of lowering your premium is by authorizing an EFT (Electronic Funds Transfer). This process authorizes your bank to credit your insurance provider with your payments without any intervention from you until you advise otherwise. This reduces administrative overheads like those incurred when mailing payment notices. An insurance company gives you part of what they save by reducing your premium.

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