Steps To Lower Medical Insurance

A number of ways of reducing your rates actually reduce the quality of coverage you get and are, therefore, NOT recommended. You can, however, still pay far less without compromise to the level of your coverage if you have and implement the right tips. Let's look deeper into this...

1. Folks whose lines of duty expose to hazards get more expensive premiums. You can reduce your premium if you switch to another line of duty that doesn't expose you to hazards. If your occupation exposes you to dangerous chemicals, for instance, your rates will be much more than that given to a similar profile who maybe works as a cashier in an office.

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2. How much do you plan to contribute to payments for seeing a doctor? Such an amount which you contribute is called your co-pay. Raising your co-pay reduces your rates. This is highly recommended for people who hardly have to visit a doctor.

3. This is something that may not concern most folks but should be mentioned...

Don't use drugs that have either been banned or have yet to be registered as they will make you attract higher insurance rates if discovered and that is apart from the fact that you are exposing yourself to danger. Abusing drugs also will make you spend more on health insurance. Self medication should be stopped both for the grave implications to your health and rates.


4. Some individuals are not poor enough to qualify for plans for low-income earners and also have financial challenges that make regular health insurance very difficult to afford. A discount medical card is a cheaper option for such people. So what is it?

With this special kind of card you are given medical attention from a network of doctors who are contracted to render services to card carriers at more affordable rates. These cards are not given by any health insurance carrier.

If you have been declared ineligible for traditional health insurance because of your medical history or think your rate is too expensive then you can bring down your cost by making use of this type of card. This type of card does not reject anyone despite your health history. Just make your monthly payments and you will use a network of doctors who will bill you lower for their services.

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5. You can also save on costs by taking advantage of phone med services. These are free community services that offer medical advice by phone 24/7. They are normally manned by at least a registered nurse with a minimum of 10 years experience so you can trust the advice you are given by them. You will as well receive free medical help by phone from local medical clinics.

This, normally, should reduce the number of visits you make to a doctor notwithstanding the fact that it does not take its place.

The advice they give could also help you take precautions that will prevent a serious health condition. For these and other reasons, take advantage of these free medical services.

6. Buying your prescriptions on the internet is a sure way to reduce your health care costs. You can as well get lower prices if you buy by phone. The internet reduces the cost of doing business and pharmaceutical companies or groups who sell their drugs online do so at lower rates. But if you've chosen to buy online do all within your power to find out a little about whom you're buying from because there are wolves on the internet. Organizations like BBB can tell you if a company is trustworthy or not so do not fail to check.

Don't forget that while we want to save costs we also want to avoid risks. Checking with BBB online and other such services will help you stay safe while you buy at more affordable rates online.

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7. You'll be given more affordable premiums if you pay by Electronic Funds Transfer (EFT). This authorizes your bank to credit your insurance provider with your premium payments automatically until you advise to the contrary. This saves costs by removing the need for payment notices or checks. Your premium is therefore reduced in line with the cheaper cost of giving you insurance.

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