By Chimezirim Chinecherem Odimba
You'll easily pay less for appropriate coverage if you get and make use of the right recommendations. But on the other hand, if you get the wrong advice, although you may still make huge savings, you will do so by compromising the level of coverage you get. If you want tips that you can use to save much and at the same time maintain adequate coverage, read the following...
1. Stop drinking if you want cheaper rates. Drinking increases your health risk. You are aware that a lot of health conditions can be traced to heavy drinking.
What quantity of alcohol is safe for you? I can't advise you on that since I'm not an expert on such matters. What I know is the fact that avoiding alcohol abuse is would help a lot. So you can lower your rates (Apart from reducing the risk of developing certain diseases) by avoiding alcohol if you can or drinking responsibly if you can't.
But I am told it is more difficult to drink in moderation than it is to give it up totally. Get help if you want to stop drinking alcohol. There are organizations that help alcoholics stop drinking.
2. Did you know that your co-pay could cost you more than your drug cost sometimes? Sometimes, it's more advisable for you to pay for a prescription without using your health insurance. In such instances, you will save more by choosing the routes that offer you bigger savings. Endeavor to find out the difference before you use your insurance.
3. If you want to reduce your rate then join a group health expense sharing plan. A group expense sharing plan is a situation where a group of people collectively provide themselves with health insurance coverage. You can find such groups in large associations.
Each group normally fashions its guiding policies, the type and level of coverage available, restrictions if any and more.
You can find out if your individual requirements are catered for by this kind of group. Spotting a group like this that fills your requirement could get you coverage at a reduced rate.
4. Being on one policy could save you a lot and you should take advantage of it if you're married. Notwithstanding that this is true; it's not always the case. So consider your options to see which is in your best interest.
It might not be the best for you depending on your different health needs as individuals.
5. Don't let yourself become shortchanged by the lowest price as you shop for low cost health insurance. You want a cheap rate that also gives the right value. You can get really low quotes that give you the quality you want if you do your shopping well. But be prepared to pay a little more if required to buy the right coverage for you.
Some very cheap quotes are so because the insurance company has removed important components. Such cheap quotes won't be a wise choice since it is not the right coverage for you.
6. You will save a lot of dollars by visiting at least five quotes sites. If you do this, you will make it most likely that you'll get all the lowest quotes available because five sites will give up to 25 quotes altogether.
Here are great pages for health insurance quotes...
InsureMe Health Insurance Quotes
Chimezirim Odimba writes on insurance.
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