Tips For Affordable Medical Insurance

Some recommendations for lowering your rates could compromise the level of coverage you enjoy and are, therefore, NOT wise. But here's a better way: Apply the correct tips and do certain things right and you'll get huge discounts Following are recommendations that won't leave you with inadequate coverage...

1. People whose occupations expose to hazards pay more expensive rates. You can reduce your rates if you switch to another line of duty that does not expose you to hazards. If your profession exposes you to dangerous substances, for instance, your premiums will be much more than that given to a comparable profile who probably works as a receptionist in a bank.

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2. What amount can you contribute out of your pocket each time you visit the doctor? This is referred to as your co-pay. The higher it is, the more affordable your premium will be. This is seriously recommended for individuals who rarely need to see a doctor.

3. This won't be an issue for most people but we will still make mention of it...

Do not use medications that have either been banned or have yet to be registered as they will make you attract higher insurance rates if discovered and that's apart from the fact that you are exposing yourself to danger. And, drug abuse will surely make you get costly rates. That is, if it doesn't make you uninsurable. Along these lines, steer clear self-medication for both its grave hazards and the fact that it will increase your rates.


4. Some people are not poor enough to be eligible for plans for low-income earners and also have financial challenges that make standard health insurance hard to pay for. If you are one of such, then you can reduce your budget for health care by getting a discount medical card. So what are they?

A discount medical card makes you eligible to take advantage of a network of doctors who have agreed to provide card carriers medical services at a lower rate. This card is not managed by an insurance company.

It is also a good option for those who may have a pre-existing ailment that will disqualify them from most health insurance providers or make them pay very exorbitant premiums. There are no exclusions for whatever reason. You just need to pay a monthly fee to qualify to use their network of health care professionals.

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5. You can make savings on costs by using phone med services. These are free community services that offer medical advice by phone 24/7. 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 get from them. Local clinics offer free medical help by phone in most cases.

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

The advice they give could also help you take safety measures that will prevent a serious ailment. For these and other reasons, take advantage of these free medical services.

6. You can reduce your rates by buying prescriptions online. Buying by telephone might also get you cheaper prices. The internet lowers the cost of doing business and pharmaceutical companies or groups who sell their drugs online do so at cheaper prices. But to ensure you're buying from the right company, check. Simply visit BBB online and you'll know if you should buy from a specific company.

This is quite very important as you won't want to risk your health in the name of making savings. Checking with BBB online and other such services will put you on the safe side while you buy at the best rates online.

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7. Electronic Funds Transfer (EFT) is a simple way to lower your rate. This authorizes your insurer to automatically withdraw your premiums from your account when due. This saves your insurer in many ways including removing the cost of sending payment notices and the expense associated with processing checks. This is why this gets you more affordable premium.

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