Steps To Lower Health Care Insurance

You can reduce your rates considerably by downgrading the quality of coverage you get. That's NOT advisable. But there's a better way: Implement the correct tips and do certain things right and you'll get big discounts Let's look deeper into this...

1. Occupations that are considered hazardous get higher quotes. Changing over to a non-hazardous vocation will lower your premium by a considerable margin. If your work exposes you to toxic substances, for instance, your premiums will be much higher than that paid by a comparable profile who probably works as a cashier in an office.

Insurance Quotes

2. How much can you contribute to payments for seeing your doctor? This is known as your co-pay. The higher your co-pay, the more affordable your rates will be. This is highly recommended for individuals who hardly go to visit a doctor.

3. This won't be a problem for most individuals but we'll still make mention of it...

Do not use drugs that have either been banned or have yet to be registered as they will make you attract higher rates if discovered and that's apart from the fact that you're exposing yourself to danger. Misusing drugs as well will make you pay much more in health insurance. Self medication should be avoided both for the grave danger it poses to your health and rates.


4. Some individuals are not poor enough to be eligible for plans for the low income earner and as well have financial challenges that make regular health insurance hard to pay for. If you are one of such, then you can reduce your budget for health care by buying a discount medical card. So what are they?

Such a card permits you to use a network of doctors who have agreed to give services at more affordable rates to all card carriers. These cards are not managed by any health insurance company.

You can fall back to this option if you have a medical history that has made health insurance carriers either declare you uninsurable or give you a rate that is too high. This type of card does not decline anyone notwithstanding your medical history. You only have to pay a monthly fee to be eligible to use their network of doctors.

Low Cost Health Insurance

5. If you make use of phone med services you'd have done a lot to reduce your rates. These services offer free medical services 24 hours daily. You have at least a registered nurse with not less than 10 years experience on hand to give you free medical advice you can trust. You'll as well receive free medical help by phone from local medical clinics.

This, hopefully, should reduce 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 health condition. For these and other reasons, take advantage of these free medical services.

6. It will cost you far less and lower your costs if you buy your prescriptions over the internet. Buying by telephone might as well get you affordable prices. The internet reduces the cost of doing business and pharmaceutical companies or groups who sell their drugs online do so at lower prices. But if you've chosen to buy online do all within your power to find out a little about whom you are buying from because there are wolves online. Simply go to BBB online and you'll know if you should buy from a particular company.

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

Affordable Health Insurance

7. You'll get lower rates if you pay by Electronic Funds Transfer (EFT). This authorizes your bank to credit your insurer with your premium payments without any intervention from you until you advise to the contrary. This removes administrative overheads like those involved in sending payment notices. This is why this attracts lower premium.

Get Health Insurance Quotes, Compare Plans And Save Much Now!
Get Quick Free NO-Obligation Quotes Now And Save!