Contrary to what you might be made to believe, it is a lot easy to get an affordable rate. The only things that stand between you and enjoying a more affordable rate now are the right information and a determination to make use of the tips you get. Following is a list of tips that will help you get to this goal...
1. You can reduce your rates by not drinking alcoholic beverages. Drinkers pay more for health insurance. You well know that several health conditions are made more likely by heavy drinking.
What quantity of alcohol would be harmful to you as a person? Honestly, I do not know. What I'm sure of is that avoiding alcoholics totally is isn't harmful to anyone. So you can lower your rates (Apart from reducing the risk of developing certain ailments) by avoiding alcohol if you can or drinking responsibly if you can't.
It is just that for most people drinking in moderation is even more difficult than staying away completely. You can be assisted if you truly want to stop drinking.
2. You will save by insuring your kids through state plans. There are often eligibility requirements. These plans are usually either free or requires little payment. If you have a child with a special ailment, you will save much if you insure such a child through a state plan.
3. There are things that you would do well not to see a doctor about as it only adds to your health care cost without doing you any real good. For instance, your doctor can really do nothing for you if you have a cold or flu. Your doctor will likely do things you should have done for yourself at home in a case like that.
So does it make sense to spend close to $100 to visit a doctor when you already know that your situation won't be helped much? I also believe there are a few home incidents that your first aid box will handle quite well. Learn simple first aid procedures. Learning a few little things and having a well-equipped first aid box will help you save much on avoidable visits to a doctor.
However, if you do not know what to do, don't hesitate to visit a doctor. And, for people who have some experience with first aid, know your boundaries. The law stops you from doing certain things if you are not a certified medical doctor. Having the right balance is necessary in this and other matters. If you do this right you will pay less in health insurance and at the same time not put yourself at any risk.
4. Cross check your health insurance coverage from time to time. Even if this does not lead to savings, it'll ensure you always have enough health insurance. And then you realize while doing this regular check that you really do NOT need some coverage you have bought.
Dropping such unnecessary coverage will bring down your rate. Consider a scenario where you still leave your just-wedded daughter on your family health insurance policy with the consequent higher rates. It is very easy to NOT remember little details like this. Believe me, joy can make you forget serious things like this.
5. You'll attract more affordable premiums if you make your payments by Electronic Funds Transfer (EFT). By doing this you authorize an insurer to automatically withdraw your premiums from your account when due. This eliminates administrative costs like those incurred when sending payment notices. Your rate is therefore brought down in line with the cheaper cost of giving you insurance.
6. Visit at least five quotes sites. Visiting a minimum of five quotes sites raise the chances that you would get cheaper health insurance quotes. This is because insurers not covered by one site will be represented by the other.
And, you should understand that since the likelihood of receiving lower health insurance quotes has to do with the range of quotes you get, the more insurers you get quotes from, the brighter your chances will be.
Getting your health insurance quotes online will help you save far more if you take out just 25 minutes to obtain quotes from not less than 5 quotes sites.
By Chimezirim Chinecherem Odimba
Here are great pages for health insurance quotes...
InsureMe Health Insurance Quotes
Chimezirim Odimba writes on insurance.
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