There are a lot of ways to cheaper but sufficient cover. But while some of them may reduce your cost, they could leave you with inadequate coverage. I don’t usually recommend such options as they defeat the main aim of insurance in the first place. So, I’ll only give you tips that will as well have you well covered despite saving you much…
1. Your drug cost may sometimes be cheaper than your co-pay. There are instances where it will cost you less if you do not use your health insurance but buy a prescription from your own account. In those cases, you will save more by choosing the routes that offer you bigger savings.
2. You will also get a more affordable rate if you pursue a healthy routine. If you can avoid taking junk food you’ll pay less over time. Avoid cholesterol, fats and high carb from your diet and you will not only spend less but also be healthier.
Apart from your diet, your devotion to daily exercise will help you live a better life and also eventually get you more affordable rates.
3. The greater number of health insurance plans include about two free medical check ups.
It does because the cost of nipping health conditions in their early stages is much less than malignant ailments. You reduce the risk to your insurer by so doing.. Therefore, they give you more affordable rates for reducing the cost for your treatment.
4. You can reduce your rates by avoiding alcoholic beverages. Drinking adds to your health risk.
Drinking is the source of a good number of health conditions and that is apart from the fact that it definitely will add to your risk to health insurance companies.
How much drinking is safe for you? I can’t advise you on that since I am not specialized on such issues.
What I’m sure of is the fact that quitting alcohol abuse is would help a lot. So you can lower your rates (Apart from reducing the likelihood of developing certain health conditions) by staying away from alcohol if you can or drinking responsibly if you can’t.
It’s just that for most people drinking in moderation is even more difficult than staying away completely. Get help if you want to give up alcohol. There are groups that help alcoholics stop drinking.
5. Notwithstanding that this may not be an issue for most folks it should be said…
Using banned drugs will raise your rate. And, drug abuse will also make you get costly rates. That is, if it doesn’t make it impossible for you to get health insurance. Self medication should be avoided both for the serious danger it poses to your health and rates.
6. Registering with an HMO will help reduce your cost. HMOs offer coverage that is cheaper than regular health insurance. Albeit, joining an HMO means you’re restricted to the use of only doctors, other medical professionals and hospitals that are part of the network.
For folks who want total freedom of choice in who and where to get health care, a traditional health insurance plan is still your best bet.
All you will have to do is shop extensively for the cheap rate for normal health insurance. If you shop extensively you will pay far less for any plan you opt for.
But if you are willing to go with the restrictions, then an HMO is a great option for lowering your spend.
7. You will spend less on health insurance by joining a PPO or Preferred Provider Organization. But unlike an HMO, it gives you more options and understandably it is also usually less affordable.
It is up to you to compare the value you’ll get with what you’ll save to choose whether you prefer it to regular health insurance. If you want to save more but as well want more choices than is available with an HMO, then join a PPO.
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