By Chimezirim Chinecherem Odimba
Do you want to reduce your health insurance cost? Do you know it's easier than you thought? It is really very easy for you to find the right coverage at a low price. All you need to achieve this goal are little bits of information (Put into practice). Let's look at a number of proven ways to get better rates...
1. You will lower your rates by a huge margin if you spend time on shopping right.. And the less stressful way to begin is to ask trusted acquaintances what their experiences with their insurers are.
It is also a good way of getting the best value as you would make your choice on user experience and not any form of media hype. A trusted acquaintance will quickly warn you if they got less than the best from an insurer.
2. Phone med services will help you reduce your rates. A phone med service is on twenty four hours everyday and provides free medical advice. They are normally manned by not less than a registered nurse with a minimum of ten years experience so you can trust the advice you get from them. Your local clinic is as well another place you can receive free medical help by phone.
Even though this is not an alternative to seeing a doctor, these can actually reduce your rates by reducing the number of times you see a doctor.
In addition, you get timely help that could help you nip certain issues in the bud. For these and other reasons, take advantage of these free medical services.
3. Maintain a healthy routine and you'll pay more affordable rates with time. The quality of what you eat will in the long run affect your rate. Removing fats, cholesterol and high carb from your diet will make it easier for you to retain the ideal weight, live a healthier life and, as a result, get more affordable rates.
You'll as well help your health and rate by committing to routine exercise.
4. Joining an HMO will help reduce your cost. They provide a more affordable option than traditional 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.
If you believe that the limited choices of an HMO are more than the benefits you get, you can opt for 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. If you shop properly you'll pay far less for any plan you elect to use. Nevertheless, where you are willing to accept the restrictions, you'll pay less with an HMO.
5. Staying loyal to one insurance company for any considerable length of time will actually lead to savings. You'll attract discounts of about five percent on your health insurance if you remain with the same insurer for up to 3 years. Maintaining a policy for longer periods will get you more discounts.
I've prepared a free but high value 21-day ecourse that will show you over 120 sure-fire ways to cut down your insurance rates. Sign up for it here...
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As always, you can cut down your rates now by getting quotes here...
Chimezirim Odimba writes on insurance.
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