By Chimezirim Chinecherem Odimba
Everyone out there would be very happy to discover a way of enjoying affordable rates as long as such a way does not put them at risk. Let's look at a number of proven steps to getting just that...
1. If you make use of phone med services you would have done much to bring down your costs. A phone med service operates twenty four hours everyday and provides free medical advice. You have at least a registered nurse with a minimum of 10 years experience on hand to give you free medical advice you can trust. Local clinics provide free medical advice by phone in most cases.
Even though this does not take the place of seeing a doctor, they can really lower your rates by bringing down the number of visits you make to a doctor.
Moreover, you get timely advice that could help you nip certain issues in the bud. This is reason enough for you to take advantage of them even if they do not help you lower your costs.
2. Cross check your health insurance coverage from time to time. This will help you confirm you always have adequate coverage. While doing this regular check you can also notice coverage no longer need.
You will then lower your cost by dropping such unnecessary coverage. A good case is a family health insurance policy that still covers your wedded daughter who has another plan with her husband. Believe me, there are many things on our minds these days.
3. An easy but rewarding 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 without any intervention from you until you stipulate otherwise. This reduces costs by removing the necessity of payment notices or checks. This is why this attracts lower premium.
4. It is now generally understood that smoking causes higher rates. What many might not appreciate is that the same also applies if you use any other type of tobacco product. For example, you'll get a more expensive rate if you chew or snuff tobacco.
So, you will help yourself attract lower rates if you avoid tobacco use in any form.
5. You will as well attract a more affordable rate if you ensure a healthy routine. The quality of your diet will eventually have an effect on your rate. Removing fats, cholesterol and high carb from your diet will make it easier for you to maintain the right weight, live a healthier life and, as a result, get lower rates.
In the same way, you'll be healthier and as a result have to see the doctor less if you routinely exercise up to 30 minutes daily.
6. You could save some hundreds of dollars by just obtaining and evaluating quotes from about five insurance quotes sites. And, it will take you just a total of 25 minutes.
Here are great pages for health insurance quotes...
InsureMe Health Insurance Quotes
Chimezirim Odimba writes on insurance.
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