Cheapest Insurance
Cheapest Health Insurance Quote – Have You Tried These Sure-Fire Tips?
By Chimezirim Odimba
cheapest health insurance
Cheapest health insurance quote: Would you like a more affordable rate while maintaining sufficient coverage? Let’s look at a number of time-tested ways of achieving just that…
1. If you want to lower your cost then join a group health expense sharing plan. This is a plan where a group of people teams up to provide themselves health insurance coverage. Big churches and such large organizations are points where you can easily find these groups. Each usually defines its own rules and decides on the type and scopes of coverage members are given.
Try to locate such groups and see if any of them will cater for your individual health care needs. Locating such a group that fills your needs will get you coverage at a reduced rate.
2. Smoking will always attract very high rates. It’s a sure truth that smokers are prone to many health conditions and that they don’t live long.
If smoking leads to specific health problems, then it makes an individual a high risk and that calls for higher rates. If you can stop smoking you will attract rates that are considerably lower when you reapply after 12 months.
3. Registering with an HMO will help reduce your cost. They are generally cheaper than buying traditional health insurance. However, registering with an HMO means you are restricted to the use of only doctors, other medical professionals and hospitals that are approved by the organization.
For those who want no restrictions in who and where to get medical care, a traditional health insurance plan is recommended. You will pay cheaper rates for traditional health insurance if you do extensive shopping. If you shop properly you’ll pay far less for any plan you choose. However, if you are willing to live with its limitations, you will pay less with an HMO.
4. It pays to look through your policy at least yearly or as much as you feel changes have occurred in your health or that of a member of your family. Even though you may not really save anything by doing this, you will be certain that you have enough coverage this way. And then you realize while doing this routine check that you really do NOT need some coverage you have bought.
You’ll then lower your rate by dropping such unnecessary coverage. For example, if you bought coverage for your family and one of your kids has just entered college or got married, you may not remember to remove them from your family coverage if you do not crosscheck your entire policy routinely. It may only occur to you when you get your yearly payment notice. Believe me; joy can make you forget important matters like this.
5. An easy but effective way of reducing your rate is by authorizing an EFT (Electronic Funds Transfer). This process authorizes your bank to credit your insurer with your payments automatically until you stipulate to the contrary. This reduces costs by eliminating the necessity of payment notices or checks. This is why this attracts discounts.
6. Visit a minimum of five quotes sites. Visiting not less than five quotes sites raise the chances that you would receive better health insurance quotes. This is because insurance companies not represented by one site will be covered by the other.
And, you know that since your chances of receiving lower health insurance quotes is proportional the number of quotes you receive, the more companies you get quotes from, the better your chances will be. Getting your health insurance quotes online will help you save much more if you take out around 25 minutes to ask for quotes from a minimum of five insurance quotes sites.
7. 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.
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.
You can be assisted if you truly want to stop drinking.
8. You will save by insuring your kids through state plans. If you have a child with a special ailment, you will save much if you insure such a child through a state plan.
9. 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. The law stops you from doing certain things if you are not a certified medical doctor. If you do this right you will pay less in health insurance and at the same time not put yourself at any risk.
10. 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.
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.
11. You’ll attract more affordable premiums if you make your payments by Electronic Funds Transfer (EFT). 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.
12. Visit at least five quotes sites. Visiting a minimum of five quotes sites raise the chances that you would get cheaper health insurance quotes. 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.
Here are great pages for health insurance quotes…
InsureMe Health Insurance Quotes
Check out my articles on insurance quotes
Recent Comments