Already on ArticleSlash?

Forgot your password? Sign Up

Health Insurance Costs - Tips To Help You Reduce Yours

 


Visitors: 239

Health insurance costs: If you must attract big discounts, then you must NOT miss certain things. I'll discuss a good number of them in this article. . .

1. If you earn little then you may be eligible for Medicaid. Different states have different eligibility criteria. But fundamentally, they are for families with low incomes. Having a job doesn't make you ineligible.

It would lower your cost if you or any family member meets the criteria. Therefore, verify from your state's Medicaid program.

2. There are people who are not eligible for special health insurance for low-income earners and at the same time don't really earn enough to easily pay for regular health insurance. If you are one of such, 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 render services to card carriers at more affordable rates. Such cards are not issued by insurance companies.

It's as well a great alternative for people who may have a pre-existing ailment that will make them uninsurable with most health insurance companies or make them pay very exorbitant premiums. There are no exclusions for any reason. You only need to pay a monthly subscription to qualify to use their network of doctors.

3. Phone med services will help you reduce your costs. These are free community services that provide medical advice by phone 24/7. You have at least a registered nurse with a minimum of ten years experience on hand to offer free medical advice you can trust. Local clinics provide free medical help by phone in most cases.

Although 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.

The help you get from them could also help you take safety measures that will prevent a serious ailment. For these and other reasons, use these free medical services.

4. The amount you're prepared to contribute to payments for each time you see the doctor has an effect your rate. This is known as your co-pay. Raising your co-pay reduces your premium. If you hardly ever have to see a doctor, you may save a lot by selecting a high co-pay.

5. You can get higher premiums just because your vocation exposes you to many hazards. You can reduce your rates if you change to another profession that doesn't expose you to hazards. If your work exposes you to dangerous chemicals, for example, your premiums will be much more than that given to a comparable profile who maybe works as a cashier in a bank.

6. As you take other steps to cut down your health insurance premium, here's something you can do to get lower rates today. Visit good quotes sites and get quotes. Visit at least five of such sites for the best results. It's free, quick and easy. Make sure you give your correct details as you complete the forms presented. Thereafter, simply choose the offer that represents the best price/value from the quotes you've obtained.

Here are great pages for health insurance quotes. .

InsureMe Health Insurance Quotes

Health Insurance Quotes

Chimezirim Odimba writes on insurance

(581)

Article Source:


 
Rate this Article: 
 
Health Insurance Rate - Things To Do If You Want To Cut Down Costs
Rated 4 / 5
based on 5 votes
ArticleSlash

Related Articles:

Tips For Lowering Your Individual Health Insurance Costs

by: Joe Stewart (June 22, 2007) 
(Insurance/Health)

Health Insurance - Practical Ways To Reduce Your Family Health Insurance Premium

by: Chimezirim Chinecherem Odimba (June 08, 2007) 
(Insurance/Health)

Cavity-Free Children Reduce Dental Health Costs

by: Lauretta Kristina (February 22, 2011) 
(Health and Fitness/Dental Care)

How to Reduce Your Costs of Home Owner Insurance

by: Sarah Martin (December 07, 2008) 
(Insurance/Home Owners Renters)

Malpractice Insurance and Health Insurance Costs - Are They Interconnected?

by: Francesca Hammerstein (October 08, 2008) 
(Insurance/Health)

Three Top Tips to Help Reduce Monthly Car Costs

by: Adam R. Singleton (July 30, 2009) 
(Automotive)

Tips To Reduce Your Fuel Costs

by: Thomas Keller (June 05, 2007) 
(Automotive)

Ten Tips to Reduce Business Costs

by: Walter Scheu (June 25, 2007) 
(Business/Entrepreneurialism)

Five Tips to Reduce Your Companys Fuel Costs

by: James Ralph (July 22, 2008) 
(Automotive/Trucks)

Health Insurance Rate - Things To Do If You Want To Cut Down Costs

by: Chimezirim Chinecherem Odimba (March 18, 2008) 
(Insurance/Health)