Individual Medical Insurance -- The Following Are Guaranteed Savers

If you must enjoy huge discounts, then you must NOT forget certain things. I'll share some of them in this article...

1. Using tobacco in any form will increase your rates. Those who snuff or chew tobacco will also pay higher rates than people who don't

So, you'll help yourself attract cheaper rates if you avoid tobacco use in any form.

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2. You'll pay cheaper rates for a group plan than otherwise. Don't miss it if you're in an institution that offers you the opportunity of using a group plan as it naturally implies that you'll pay less. This is even more so if you're overweight, a smoker or older.

This is also applicable to people who have health conditions that get very costly premiums. So using a group plan is a good to get adequate coverage at a cheap rate.

3. Buy catastrophic health insurance rather than the traditional policy if you hardly fall sick and you'll get cheaper rates. This type of policy covers you if you suddenly fall ill or get involved in an accident.

The best part of this policy is usually seen in situations where an ailment or accident makes the patient incur very high medical bills that would otherwise wipe out most people's life savings. The rate you pay for catastrophic health insurance is really inexpensive.

But bear in mind that the deductibles are as high as $2,000. Albeit, you'll be willing to contribute that little if your medical bills run up to $50,000. This is where catastrophic health insurance truly excels.

4. You will as well attract a cheaper rate if you ensure a healthy lifestyle. The quality of what you eat will sooner or later have an effect on your rate. Removing fats, cholesterol and high carb from your diet makes it easier for you to retain the right weight, live a healthier life and, as a consequence, attract cheaper rates.

Similarly, you will be healthier and so have to see the doctor less if you routinely exercise up to thirty minutes every day.

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5. Making use of a Preferred Provider Organization (PPO) is another way you can cut down on rate. It is more expensive than an HMO but as well gives you more choices.

You can check your needs and what you stand to save by either making use of a PPO or regular health insurance. If saving is your aim other than more choices then use a PPO.

6. If you are a low-income earner then you might qualify for Medicaid. Different states have different eligibility criteria. But fundamentally, they are for low-income families. Being employed on its own does not disqualify you.

Someone in your family might be eligible even if you do not and therefore reduce your family health insurance budget. So confirm from your state's Medicaid program if you are eligible.

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7. Although you're advised against self-medication, there are times when you should not see a doctor. Take, for instance, a viral infection like flu. Visiting your doctor will change nothing about your health if you understand the right right steps to take. There are easy steps you should take and if you go to the doctor you'll pay and still be given the same remedies.

So is it wise to spend nearly $100 in visiting a doctor when you already know that your situation won't be helped much? I also believe there are a few home incidents that your first aid box will handle quite well.

If you don't know these simple things spend time reading books on them especially if you have little kids. There are many things that you can (and should) handle if you've taken the time to learn and also have a well-stocked first aid box.

But even in those cases if you are not certain of what to do go and see a doctor considering that it is better to lose money than to jeopardize your life. And, even for those who do have some experience with first aid, know your boundaries. There are cases you're not supposed to even attempt if you're not a medical professional. Just learn to treat what you should handle on your own and avoid what you shouldn't. You'll pay less on health insurance without endangering anyone if you do this.
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