By Chimezirim Chinecherem Odimba
It's easy to get very cheap quotes and pay far less for adequate coverage once you know the steps to take. This write-up will teach you steps you can take if you want to pay less without reducing the quality of coverage you enjoy...
1. Knowledge, they say, is power. Knowing what is in your best interest helps you make better decisions. In addition, you'll as well be bettered positioned to take advantage of opportunities as they come.
2. Do your best to maintain an outstanding credit rating. A poor credit history will attract higher rates. It's usual for insurance carriers to assume that a person who fails in credit card payments will likely miss payments of premiums. This means more danger to them and more expensive rates for you.
3. A group health insurance plan is less expensive than an individual health insurance plan. Therefore for individuals who have the opportunity to use a group plan, it offers you an the avenue to pay far less than otherwise. This should be of particular interest to older individuals, smokers or obese people who typically get high rates.
A group plan will save you a lot if you have a health condition that makes individual health insurance either too expensive or difficult to come by. A group plan is a good way of lowering your cost without reducing the quality of coverage you will enjoy.
4. You'll realize more savings in health insurance if you are flexible in your choice of health care providers. In order to get the most affordable rates you may be required to use doctors and hospitals that belong to a particular group or network. And in such a case you would have to switch to health care providers in the network and not your favorites.
If that's too much of a sacrifice for you, then you cannot really pay less for your health coverage using this option. But in your flexibility don't compromise your health for anything.
5. This is something that may not concern most folks but is still worth mentioning...
The use of banned drugs will increase your costs. And where the use of certain drugs is NOT illegal, abusing them will also make you pay much higher rates. Self medication should be stopped both for the serious implications to your health and rates.
6. You can lower your health insurance costs by getting and evaluating quotes from at least five good quotes sites.
Here are great pages for health insurance quotes...
InsureMe Health Insurance Quotes
Chimezirim Odimba writes on insurance.
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