Are you really interested in cutting down your costs by saving on your premium dollars? Then you’ve come to the right article. I’ll share sure-fire steps for anyone to get the cheapest rate for their profile and requirements. Furthermore, the tips I’ll share will NOT force you to downgrade your coverage all because of attracting discounts. Here they are…
1. Smoking will make you pay very high rates. It’s a well known fact that smokers are susceptible to various health conditions and that they don’t live long.
If smoking leads to specific health conditions, then it makes a person a high risk and that attracts higher rates. Once you stop smoking for about twelve months tell your present insurer or reapply to some other insurer and you will see a dramatic reduction in your premium.
2. Those whose occupations expose to hazards pay higher rates. You can lower your premium if you choose another occupation that will not expose you to hazards. Because a clerk in a a bookshop is not exposed to any health hazards like a nuclear plant staff, he or she would pay much lower rates.
3. Being on the same policy could save you a lot and you should take advantage of it if you’re married. Even though this is true, it’s not always so all the time. Therefore, check to be sure which is in your best interest.
This is because sometimes it’s more profitable to be on different plans and in certain cases it’s more profitable to be on the same plan.
4. There’s a unique kind of savings account called the Flexible Spending Account. You can keep tax-free dollars to cater for your health needs. The selling point about this account is that it allows you to roll over the money not used into another year tax free. With this account you can eventually build up a considerable amount to meet your health care needs.
5. Registering with an HMO will help reduce your cost. They are generally cheaper than opting for traditional health insurance. Just bear in mind that with the lower cost as well come restrictions in the hospitals and health care professionals you can use.
If you believe that the limitations of an HMO are more than the benefits you get, you can choose other health insurance plans.
For such folks, cost can be slashed if they take the time out to shop extensively for cheap rates in traditional health insurance. That is how you would be able to get lower rates for regular health insurance.
But if you are willing to accept the limitations, then an HMO is a good alternative for slashing your cost.
6. You will pay less in health insurance if you have the right information. People who have the right information on health care and insurance are in a position to find sweeter deals. Moreover, you’ll also be more prepared to take advantage of opportunities as they come.
The U.S has many toll free numbers where you can get help on health related matters. Call the National Health Information Center at 1-800-336-4797 to if you want to make inquiries.
7. Phone med services will help you reduce your rates. A phone med service is on twenty four hours daily and gives free medical advice. You can trust the advice you are given because they are given by qualified professionals (normally a minimum of a registered nurse with at least 10 years experience). Your local clinic is as well another place you can get free medical advice by phone.
Even though this does not take the place of seeing a doctor, they can actually reduce your cost by bringing down the number of visits you make to a doctor.
A timely medical help could be the difference between a serious ailment and a mild one. For these and other reasons, take advantage of these free medical services.
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