Tips For Affordable Health Care Insurance

You can bring down your rates dramatically by downgrading the scope of coverage you enjoy. That's NOT advisable. But there's a better way: Apply the right steps and do certain things right and you'll get huge discounts Following are tips that are good for you...

1. You will get less affordable premiums simply because your line of duty exposes you to much hazards. You will attract more affordable premiums if you leave a hazardous line of duty for a safe one. If your work exposes you to toxic substances, for example, your premiums will be much more than that paid by a similar profile who maybe works as a cashier in an office.

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2. What you're ready to contribute to payments for each time you see a doctor has a bearing on your rate. Such an amount which you pay out of your own pocket is your co-pay. Increasing your co-pay lowers your premium. If you hardly ever go to visit a doctor, you should lower your rate considerably by choosing a high co-pay.

3. Although this may not be an issue for most people it should be said...

The use of banned drugs will raise your costs. Misusing drugs also will make you pay much more on health insurance. Steer clear of self-medication also and you'll certainly get more affordable rates than individuals who don't.


4. Some people are not poor enough to be eligible for plans for the low income earner and also have financial constraints that make regular health insurance hard to pay for. In case this defines you, then you can save on health care by purchasing a discount medical card. So what are they?

With this special kind of card you are given medical attention from a network of health care professionals who have agreed to render services to card carriers at more affordable rates. These cards are not given by any health insurance company.

You can fall back to this option if you have a medical history that has made health insurance companies either declare you uninsurable or give you a rate that is very expensive. This kind of card does not reject anyone notwithstanding your health history. Just pay your monthly fees and you will use a network of health care providers who will bill you lower for their services.

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5. Phone med services will help you lower your rates. A phone med service operates twenty four hours everyday and gives free medical advice. They are usually operated by not less than a registered nurse with not less than 10 years experience so you can trust the advice you get from them. Your local clinic is as well another place you can get free medical advice by phone.

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

A timely medical advice could be the difference between a serious ailment and a mild one. So they are worth giving serious attention.

6. Buying your prescriptions on the internet is a proven way to bring down your health care costs. You can as well get lower prices if you buy by phone. Drugs are more affordable online because the cost of operating a business is dramatically cheaper with the internet. But if you choose to buy online do all within your power to find out a little about whom you are buying from because there are wolves on the internet. Organizations like BBB can tell you if a company should be trusted or not so don't fail to check.

While we want to lower our health care costs we also have to make sure we safeguard our health. Checking with BBB online and other such services will help you stay safe while you buy at cheaper prices online.

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7. You'll be given more affordable premiums if you make your payments by Electronic Funds Transfer (EFT). it authorizes your bank to credit your insurance provider with your payments without any intervention from you until you advise to the contrary. This saves your insurer in many ways such as removing the cost of mailing payment notices and the expense of processing checks. An insurance provider gives you part of what they save by bringing down your rates.

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