It is quite easy to get an affordable rate. All you have to do to achieve this feat are little bits of information (that you'd have to implement, though). Let us now look at a few sure-fire ways to get better rates...
Similar to an HMO, a Preferred Provider Organization (PPO) is generally cheaper than traditional health insurance. But unlike an HMO it leaves you more choices and understandably it is also normally more expensive.
You can consider your needs and what you stand to save by either using a PPO or regular health insurance. If saving is your main aim than more choices then make use of a PPO.
If you're a drinker your rates will be higher than a similar profile that doesn't. Drinking adds to your health risk.
Most health conditions are made more likely by taking alcohol.
What quantity of alcohol would be harmful to you as an individual? Honestly, I can't say.
What I know is the fact that quitting alcohol use is good for you. For people who cannot stay away totally, do your best to drink responsibly.
But I am told it is harder to drink in moderation than it is to give it up totally. There are groups that are out to help alcoholics quit drinking. Just look for them.
Beside the fact that you are endangering your health, using banned or unregistered drugs will raise you rates. And even if the use of certain drugs is approved, abusing them will also make you pay much higher rates. Avoid self-medication as well and you will definitely get more affordable rates than individuals who don't.
Take advantage of free clinics if you intend to reduce your cost. Such free clinics will cater for simple things like providing you with medical advice, blood pressure checks and much more. These clinics could be organized by a community or rendered as community service by an organization.
You can reduce your rates by buying prescriptions on the internet. You can also get cheaper prices if you buy by phone. Companies who sell online have lower outlays than brick and mortar businesses and these implies that they can and (do sell) at lower prices. But if you've choosen to buy online do all within your power to find out a little about whom you're buying from because there are wolves online. Organizations like BBB can tell you if you if a company should be trusted or not so don't fail to check. Always remember that while we want to reduce costs we also want to stay safe. Checking with BBB online and other such services will put you on the safe side while you buy at the best rates online.
If you want to spend less on health insurance then you have a good opportunity in a Flexible Spending Account. It is a kind of savings account where you can save tax-free dollars for your health care needs. Any amount not used could be rolled over into the next year (still tax free). This gives you a tax free way of building considerable reserves of funds to cater for your future health needs.
Here are great pages for health insurance quotes...
InsureMe Health Insurance Quotes
Chimezirim Odimba writes on insurance.
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