Still on the subject of cheap health insurance, we'll take a look at other ways to massive savings. But as always I must point out that reading through will show you how but only implementing what you've read will help you enjoy reasonable savings. Here are some more time-tested ways to pay less...
1. An HMO will get you health insurance at a cheaper rate. They are a more affordable option than traditional. However, joining an HMO means you are restricted to the use of only doctors, other medical professionals and hospitals that are part of the network.
If what you think you compromise in the limited choices an HMO allows is much more than the advantages, you can still go for regular health insurance.
For such folks, cost can be slashed if they shop extensively for the best rates in traditional. This is a guaranteed way to pay more affordable rates while enjoying a regular plan.
But if you are ready to go with the restrictions, then an HMO is a good alternative for slashing your health insurance cost.
2. If you drink then your rates will be more than another profile that doesn't. Alcoholics pay more for this.
Drinking is the source of many health conditions and that is apart from the fact that it will also increase your risk to health insurance carriers.
How much drinking is safe for you? I can't really say as there are people who can take a bottle and still maintain their cool while some will take just half a glass and things start going wrong.
But here's what I'm sure of: Staying away from alcohol totally will do you a world of good. For people who can't quit totally, try to drink responsibly.
It's just that for most people drinking responsibly is even more tasking than total abstinence. You can get help if you really want to stop drinking.
3. What you're ready to contribute to payments for each visit to a doctor has an effect your premium. This amount which you contribute is your co-pay. Raising your co-pay brings down your health insurance rates. You're especially encouraged to select a high co-pay if you go to the doctor only once in a very long time.
4. You will lower your rates by a huge margin if you spend time on shopping right... And the easiest way to start is to ask trusted acquaintances what their experiences with their insurers are.
Doing this helps you avoid going to just the provider with the biggest hype but to the insurer that gives the best price/value. A friend will quickly warn you if they got low quality service from an insurer.
The probability that you'll settle for the wrong insurer reduces if you get personal experiences from people you can trust.
5. If you participate in high risk or extreme sports you'll attract expensive rates. Therefore stop any sport or leisure activity that is either life-threatening or risky and you'll enjoy lower rates.
6. Get and compare health insurance quotes and you'll pay far less than those who don't. I recommend that you use at least five quotes sites since that will ensure you do not miss out offers not presented by the other sites. This gives you a broader basis for doing more extensive comparisons thus increasing your chances of getting better quotes.
Here are great 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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