By Chimezirim Chinecherem Odimba
Affordable health insurance quotes: You'll easily spend less for adequate coverage if you get and implement the right recommendations. However, if you have the wrong ones, even though you may still save, you will do so by compromising the quality of coverage you get. If you are interested in tips that you can use to save much and at the same time enjoy adequate coverage, read the following...
1. The Consolidated Omnibus Budget Reconciliation Act of 1985 (COBRA) insurance is a good choice for affordable coverage if you have a pre-existing illness that makes regular individual health insurance hard to get or too expensive.
2. Staying loyal to one insurance company for any period will actually lead to savings. Staying with the same insurance company for at least three years will get you reasonable discounts from many insurance companies. The more the years you've been loyal to an insurer the more discounts you will get. Nevertheless, you may be better served by switching.
Let us assume your premium with your present insurer is $2,400 you will get a discount of about 5% or $120 if you stay for at least three years.
However, due to high cost of health care and inflation, insurance companies may have to make adjustments in their rates to reflect those changes. Within the course of these three years you would most likely get an insurance provider who will offer you comparable coverage or better for under $2,100. If this is true about you then you know it's wise for you to go for the more affordable offer immediately and not wait for years to become entitled to a discount that will not even save you as much.
And, in most cases, most people can easily pay a lot less than they are currently on health insurance if they do thorough shopping. You can only be sure if this is true for your profile after you get and evaluate quotes from many different health insurance companies to see where your interest is better served.
3. Knowledge, they say, is power. People who have the right information on health care and insurance get better offers. Furthermore, you will find it easier to get every opportunity that you are qualified for if you have the right information.
There are toll-free numbers you can call if you need help on health issues. To get help, call the National Health Information Center at 1-800-336-4797.
4. Did you know that your co-pay could be more expensive than the cost of your drugs? There are instances where it will cost you less if you don't use your insurance but buy a prescription from your own account. Find out which is best in each case and do what saves you more. Do your best to find out the difference before you use your insurance.
5. Choosing to be flexible in the choice of doctors and health care facilities you can use will result in a reduction in your cost. For you to land the cheapest rates you may be compelled to use doctors and hospitals that are part of a certain group or network. That might mean you'll have to part with your favorite health care providers.
If you consider this too much of a sacrifice for you, then you can't really pay less for your health coverage using this option. Note that it's highly advisable that you weigh what you stand to gain against what you may lose.
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Chimezirim Odimba writes on insurance.
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