Tips For Cheaper Health Care Insurance
You can lower your rates dramatically by compromising the level of coverage you enjoy. That’s NOT good. Be that as it may, you can get cheaper rates for better coverage if you have the right tips and and apply them rightly. Following are recommendations that won’t leave you with inadequate coverage…
1. You can pay higher premiums simply because your line of duty exposes you to much hazards. You’ll pay less expensive rates if you leave a hazardous vocation for something safe. Due to the fact that a clerk in a supermarket isn’t exposed to any health hazards like a nuclear plant staff, he or she would get much lower rates.
2. What amount can you contribute out of your pocket each time you visit your doctor? Such an amount which you pay out of your own pocket is your co-pay. Raising your co-pay lowers your rates. This is particularly recommended for people who rarely go to see a doctor.
3. This shouldn’t be an issue for most individuals but we will still have to talk about it…
Don’t use drugs that have either been banned or have yet to be approved as they will make you pay very high rates if discovered and that is apart from the fact that you’re endangering your health. And even if the use of certain drugs is approved, abusing them will as well make you pay much higher rates. Steer clear of self-medication as well and you will certainly get lower rates than those who don’t.
4. Some folks find themselves in a situation where they are not qualified for Medicaid and as well find it difficult to pay for regular health insurance. In case this defines you, then you can reduce your budget for health care by getting a discount medical card. So what are they?
With this special kind of card you are given medical attention from a network of health care professionals who have agreed to provide their services to card carriers at more affordable rates. Such cards are not managed by an insurance company.
If you have been disqualified from traditional health insurance due to a pre-existing condition or think your premium is too high then you can lower your cost by making use of this type of card. One advantage of a discount medical card is that everybody is welcome. You only need to pay a monthly fee to be eligible to use their network of doctors.
5. Phone med services are great services that will help lower your costs. These are free community services that provide medical advice by phone 24/7. You have at least a registered nurse with not less than ten years experience on hand to offer free medical advice you can trust. Local clinics offer free medical help by phone in most cases.
Even though this does not take the place of seeing a doctor, these can actually lower your cost by bringing down the number of visits you make to a doctor.
A timely medical help could make the difference between a serious health condition 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 spend. Buying by telephone will also get you lower prices. The internet lowers the cost of doing business and pharmaceutical companies or groups who sell their drugs online do so at lower rates. But to ensure you’re buying from the right company, check. It’s quite easy to verify by checking a resource like BBB.
While we want to lower our health care costs we also have to make sure we safeguard our health.
7. You’ll attract lower rates if you make your payments by Electronic Funds Transfer (EFT). it authorizes your bank to credit your insurance provider with your premium payments without any intervention from you until you advise otherwise. This reduces administrative costs like those incurred when sending payment notices. This is why this gets you cheaper premium.