By Chimezirim Chinecherem Odimba
Health Insurance Cost: Do you want cheaper rates? If your answer is "Yes" you must do everything within your power to find out as many ways as there are to cheaper rates. I've got enough ideas to help the greater majority make savings of more than 50% on insurance...
1. While shopping for affordable health insurance make sure that you don't become carried away by just the most affordable quote. What you should be after isn't merely the lowest quote but that which offers the best value for its price. You can get really cheap quotes that offer you the quality you want if you shop right. But be ready to pay slightly more if need be to buy the right coverage for you.
Take note of this because a number of cheap quotes are that low because they don't offer much. In those instances, the cheapest is not the best but the best for you will be the best offer on the long run.
2. There are drugs that are big brand names. Drugs that have such brand names are more expensive than equally-effective drugs with less brand recognition and so raise your premium. But will you believe it if I told you that all generic drugs are constrained by law to include the exact same measure of active agents as brand name drugs? The inactive agents are the only dissimilarities between generic drugs and brand names.
The truth remains that you only pay more when you use an established brand name drug and do NOT get anything extra in value. Nevertheless, take the time to ask a doctor you can truly trust about this before you settle for any drug.
3. Deciding to be more flexible in your choice of health care providers will help you get better quotes. The reason for this is that you may be required to restrict yourself to doctors and hospitals in a particular network for you to enjoy certain cheap rates. And in such a case you would be compelled to change to health care providers in the network and not those who are your preferred.
It would be easier receive less expensive rates if you can make this kind of adjustment. But while you're being flexible don't joke with your health for anything.
4. Going for free clinics will help you bring down your rate. You will either bring down your premium directly or have fewer and lower co-payments to make this way. You can get professional medical advice, blood pressure checks and and other medical service at such free clinics. Some communities have such facilities and others may just be part of a group's social responsibility program.
5. Electronic Funds Transfer (EFT) is an easy way to reduce your premium. This just means your insurer withdraws your premiums automatically from your account each month without sending you payment notices. This saves the insurance company in many ways including eliminating the cost of sending payment notices and the cost of processing checks. This is why this results in discounts.
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Chimezirim Odimba writes on insurance.
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