Steps To Affordable Healthcare Insurance

Even though you can save by reducing your coverage, it is not advisable if it compromises you and yours. Be that as it may, you can get cheaper rates for better coverage if you know the things that matter and and apply them rightly. I'll show you how...

1. You'll pay higher premiums simply because your profession exposes you to much hazards. You'll attract less expensive rates if you quit a hazardous vocation for a safe one. If your occupation exposes you to toxic chemicals, for example, your rates will be much higher than that given to a comparable profile who maybe works as a cashier in an office.

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2. What you're prepared to contribute to payments for each time you see the doctor affects your rate. Such an amount which you pay out of your own pocket is called your co-pay. The higher your co-pay, the more affordable your premium will be. If you hardly ever have to visit a doctor, you will make much savings by opting for a high co-pay.

3. Notwithstanding that this may not be an issue for most people it should be mentioned...

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


4. Some persons are not poor enough to qualify for plans for low-income earners and also have financial challenges that make standard health insurance very difficult to afford. A discount medical card is a good alternative for such people. So what are they?

With these cards you get medical attention from a network of health care professionals who have agreed to render services to card carriers at lower rates. These cards are not given by any health insurance carrier.

If you've been declared ineligible for regular health insurance because of your medical history or think your rate is too expensive then you can reduce your spend by making use of this type of card. One advantage of a discount medical card is that everybody can use it. You only have to pay a monthly fee to qualify to use their network of health care givers.

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5. You can also save on costs by using phone med services. A phone med service operates 24 hours daily and gives free medical advice. You have a minimum of a registered nurse with a minimum of ten years experience on hand to give you free medical advice you can trust. You will also get free medical help by calling local medical clinics.

Although this is not an alternative to visiting a doctor, these can really reduce your spend by bringing down the number of times you see a doctor.

A timely medical help could make the difference between a serious health condition and a mild one. This is reason enough for you to use them even if they do not help you reduce your rates.

6. You can lower your rates by buying prescriptions online. Buying by telephone might also give you lower prices. Companies who sell online have lower costs than brick and mortar businesses and this suggests that they can and (do sell) at cheaper prices. Nevertheless, you'll do well to check the company you're buying from so you do not put yourself at risk. It's quite easy to verify by making use of a resource like BBB.

This is really very important as you don't want to risk your health in the name of making savings.

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7. A straightforward but effective way of reducing your premium is by authorizing an EFT (Electronic Funds Transfer). This authorizes your bank to credit your insurance provider with your premium payments without any intervention from you until you stipulate to the contrary. This saves the insurance company in many ways such as eliminating the cost of mailing payment notices and the cost of processing checks. An insurance provider passes part of what they save to you by reducing your rates.

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