Steps To Lower Medical Insurance

Certain recommendations for reducing your rates actually reduce the scope of coverage you enjoy and are, therefore, NOT wise. You can, however, still pay a lot less without downgrading the quality of your coverage if you know and use the right tips. Following are recommendations that are good for you...

1. Vocations that are considered hazardous get higher rates. You can reduce your rates if you change to another vocation that will not expose you to hazards. If your work exposes you to dangerous chemicals, for example, your rates will be much higher than that paid by a comparable profile who probably works as a receptionist in an office.

Insurance Quotes

2. How much do you plan to contribute to payments for seeing a doctor? This is known as your co-pay. The higher your co-pay, the more affordable your rates will be. You're especially encouraged to opt for a high co-pay if you see the doctor only once in a very long time.

3. This won't be a problem for most individuals but we'll still have to talk about it...

Don't use drugs that have either been banned or have yet to be registered as they will make you pay very high rates if discovered and that's apart from the fact that you're exposing yourself to danger. And even if the use of certain drugs is NOT illegal, abusing them will definitely make you attract higher rates. Furthermore, steer clear self-medication for both its dire implications and the fact that it will make you pay much higher rates.


4. Some individuals find themselves in a position where they are not qualified for Medicaid and as well find it difficult to pay for traditional health insurance. A discount medical card is a good option for such people.

With these cards you are given medical attention from a network of health care professionals who are contracted to render services to card carriers at reduced rates. They are not usually provided by any health insurance company.

You can use this option if you have a medical history that has made health insurance providers either reject you or give you a rate that is too high. One advantage of a discount medical card is that everyone can use it. You only have to pay a monthly subscription to be eligible to use their network of health care givers.

Cheap Health Insurance

5. If you take advantage of phone med services you'd have done a lot to lower your costs. These are free community services that provide medical advice by phone 24/7. You can trust the advice you are given because they are manned by trained professionals (normally a minimum of a registered nurse with at least ten years experience). You'll also receive free medical help by phone from local medical clinics.

This cuts the number of visits you make to your doctor and as a consequence your total spend on the whole.

A timely medical help could make the difference between a serious ailment and a mild one. For these and more reasons, take advantage of these free medical services.

6. Buying your prescriptions online is a proven way to lower your health care costs. You can also be given affordable prices if you buy by phone. Companies who sell through the internet have lower overheads than brick and mortar businesses and this suggests that they can and (do sell) at cheaper prices. But if you choose 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 visit BBB online and you'll know if you should buy from a specific company.

This is quite very important as you won't want to endanger your life all in the name of making savings.

Health Insurance Quotes

7. An easy but rewarding way of bringing down your premium is by authorizing an EFT (Electronic Funds Transfer). This just means your insurer takes your premiums automatically from your account at specified periods without mailing you payment notices. This reduces costs by removing the need for payment notices or checks. Your premium is therefore brought down to reflect the cheaper cost of giving you insurance.

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