Cheap Individual Medical Insurance: How To Lower Rates

There are a good number of ways open to anyone who wants to enjoy cheap individual health insurance. However, some of them could put you at risk. I don't generally support such options as they rubbish the main aim of insurance in the first place. Therefore, I'll only give you suggestions that will also leave you well covered in spite of saving you much...

1. Professions that are regarded as hazardous get higher individual health insurance rates. Changing over to a safe profession will reduce your rate by a considerable margin. If your occupation exposes you to hazardous chemicals, for example, your rates will be much more than that paid by a comparable profile who maybe works as a receptionist in a bank.

2. How much can you contribute to payments for your visits to a doctor? This is what is known as your co-pay for those who don't know already. Your premium will be less expensive if you choose a higher co-pay. If you hardly ever have to visit a doctor, you will save a lot by opting for a high co-pay.

3. You'll pay cheaper rates for a group plan than you will for an individual plan. Therefore take advantage of it if you are in a position to use one.. This should be of special interest to older people, smokers or obese people who generally get high rates.

A group plan will help you make considerable savings if you have a medical condition that makes individual health insurance either too expensive or hard to come by. A group plan is a simple way to lower your cost without reducing the quality of coverage you get.

4. While looking for cheap individual health insurance be certain that you don't get carried away by just the lowest rate. You have to avoid a cheap quote that does not give you a good value to price ratio. If the cheapest quote offers everything that is of value to you, then go for it. But be prepared to pay slightly more if required to get adequate coverage.

5. Being flexible about the doctors and health care facilities you can use will lead to a reduction in your cost. In order to get the most affordable rates you may be compelled to use doctors and hospitals that are part of a particular group or network. You may compelled to stop using your favorite doctor if he or she isn't part of the network.

But in your flexibility don't compromise your health for anything.

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