| Inexpensive Health Care Insurance -- Sundry Recommendations For Savings |
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| Written by Chimezirim Odimba |
| Thursday, 01 April 2010 17:42 |
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How far have you gone in ensuring you attract very affordable rates? Did you just stop at the few recommendations you got years ago? Won't you love to get more tips considering that will translate to more massive savings? I have many more guaranteed tips here...
How far have you gone in ensuring you get very affordable rates? Have you restricted yourself to a few ideas that your friends shared with you a long time ago? Won't you like to learn more if that will mean more massive savings? Then see if you've thought of the following... *Go for catastrophic health insurance rather than a regular plan if you hardly fall take ill and you'll get more affordable rates. For those who do not know what it is, it's a kind of plan that takes care of you if you fall sick suddenly or get involved in an accident. You'll generally appreciate this policy if you ever need to pay huge bills due to sudden ailments or accidents. They come at very cheap rates. Nevertheless, the deductibles are normally as much as $2,000 but they are definitely worth it because you rarely get sick and are getting coverage in case a catastrophic health condition or accident strikes. *People with excess weight pay far more expensive rates than those with normal weights. Your BMI or Body Mass Index is a very serious factor used to define your risk to an insurer. A high Body Mass Index will always get a high premium all other things being equal. When your BMI rating is high it simply means that your weight is too much for your height. And do not think that you'll get savings only when you lose 50 pounds, just losing a few pounds will get you lower rates once it alters your BMI rating. *How much can you contribute out of your pocket each time you visit a doctor? This is known as your co-pay. Your premium will be cheaper if you opt for a higher co-pay. If you rarely ever go to see a doctor, you may make much savings by selecting a high co-pay. *You can reduce your rates by avoiding alcoholic beverages. Heavy drinking makes you a bigger liability and therefore increases your rates. Drinking is the root cause of many ailments and that is apart from the fact that it will also add to your risk to health insurance providers. What quantity of alcohol can you take without dire consequences? Sincerely, I do not know. What I know is the fact that quitting alcohol use is good for you. So you can lower your rates (Apart from reducing the probability of developing certain ailments) by staying away from alcohol if you can or drinking in real moderation if you can't. But I am told it's more difficult to drink in moderation than it is to give it up totally. You can be assisted if you really want to stop drinking. DISCLAIMER: This article is provided as information only and is not to be taken as financial advice. There are sites that enable you make massive savings both by sharing tips and ensuring you get the best rates. Following are are couple of such: affordable health insurance and individual medical insurance quote. Chimezirim has helped many folks make big savings on insurance. |