1
Although you're advised against self-medication, there are times when you shouldn't visit a doctor. A good example is a viral infection like flu about which your doctor can really do nothing. We all know that your doctor can't do you much good if you have a viral infection.
If your doctor cannot do anything about a health condition then I think it's unwise to spend about $100 on a visit to him or her. Another example is a little cut that just simple first aid will take care of. It pays to know how to handle simple home emergencies especially if you have kids.
There are many things that you can (and should) take care of if you've taken the time to learn and also have a well-stocked first aid box. But even in those cases if you're not sure go and see a doctor since it's better to lose money than to jeopardize your life. And, even for those who do have some experience with first aid, know your limits.
You're not simply allowed by law to do some things unless you're a certified medical doctor even if you know them. Do what you should and let your doctor do those he/she should. This will reduce your number of visits to the doctor and consequently, lower your health insurance rates.
2
Phone med services will help you lower your health insurance costs. These services offer free medical services 24 hours everyday. You can trust the advice you get because they are manned by qualified personnel (usually a minimum of a registered nurse with at least ten years experience).
Local clinics will also give you free medical advice by phone in most cases. This is reduces the number of visits you make to your doctor and as a consequence your total health insurance cost on the long run.
The advice you get from them could also help you take precautions that will prevent a serious health condition. This is reason enough for you to use them even if they did not help you lower your health insurance rates.
A Step You Must Take If You Want It
Get and compare as many health insurance quotes as possible. To do this you need to visit at least three quotes sites. The more sites you get quotes from, the more you'll likely save on health insurance premium.
Here are my favorite pages for health insurance quotes...
InsureMe Health Insurance Quotes
Publishers can get unique versions of my articles by following any of the links above. Click on "To Use My Articles" when you get to my site.
Chimezirim Odimba writes on insurance.
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