Cheap Individual Medical Insurance -- Steps To Lower Costs

An affordable individual health insurance rate can be achieved in a lot of ways. But while some of them might save you some money, they could leave you with inadequate coverage. I don't naturally recommend such ways since they make nonsense of the main purpose of insurance in the first place. So, I'll only give you tips that will also have you well covered in spite of saving you much...

1. Lines of duty that are considered hazardous attract higher individual health insurance rates. You will get cheaper premiums if you leave a hazardous line of duty for a safe one. If your profession exposes you to dangerous substances, for instance, your rates will be much more than that given to a comparable profile who probably works as a cashier in a bank.

2. The amount you're willing to contribute to payments for each time you see your doctor has a bearing on your rate. This is what is known as your co-pay for those who don't know already. Raising your co-pay lowers your rates. You're especially encouraged to choose a high co-pay if you see your doctor only once in a very long period.

3. You'll get cheaper rates for a group plan than you will for an individual plan. Therefore, for individuals who have the privilege of using a group plan, it presents the opportunity of paying far less than otherwise.. This statement becomes even more so if you're obese, a smoker or older.

This is also applicable to individuals who have pre-existing medical conditions that get very high rates. So using a group plan is an easy way of getting the right coverage at a low rate.

4. A very affordable individual health insurance rate is is desirable, however, make sure you don't get blinded by focusing on it. What you need is not merely the cheapest quote but the quote that represents the best value for its price. Based on a number of factors, you can get very low quotes that give you the quality you are after if you shop right. But be prepared to pay slightly more if necessary to get the right coverage for you.

5. Being flexible in the choice of doctors and health care facilities you can use will result in cheaper rates. The reason for this is that you may be required to restrict yourself to doctors and hospitals within a certain network for you to enjoy such cheap rates. You may compelled to stop visiting your favorite doctor if he or she doesn't belong to that network.

But in being flexible don't joke with the quality you get.

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