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Thursday, September 10, 2009

Affordable Healthcare Insurance Rate -- Tips For Cutting Down Costs

By Chimezirim Odimba

You can get high value health insurance coverage without paying top price. You only need the right information and the discipline to implement what you'll be taught to start enjoying a better rate. Let us get into the steps you need to pay far less...

1. You'll as well get a lower rate if you have a healthy lifestyle. The quality of what you eat will sooner or later affect your rate. Removing fats, cholesterol and high carb from your diet will make it easier for you to retain the ideal weight, live a healthier life and, as a result, attract more affordable rates.

You'll as well help your health and rate by committing to daily exercise.

2. If in your case it's difficult to locate a regular health insurance provider due to an unfavorable medical history you can apply for COBRA insurance. Just by the way COBRA stands for Consolidated Omnibus Budget Reconciliation Act of 1985.

3. Some people are not poor enough to be eligible for plans for low-income earner and also have financial constraints that make regular health insurance unaffordable. A discount medical card is a good alternative for people like that. So what are they?

This type of card gives you access to a network of doctors who are contracted to give services at reduced rates to all card carriers. They aren't generally given any health insurance company.

You can make use of this option if you have a pre-existing condition that has made medical insurance companies either reject you or give you a rate that is too high. No one is declined for whatever reason. All you have to do is pay a little monthly fee and you'll be eligible to use the services of a network of health care providers at a lower rate.

4. Your premiums might be tax-deductible if you're self employed. You may as well be entitled to a tax break if your employer offers a flexible spending account. This implies that you'll do well to talk with your tax professional.

5. Don't be shortchanged by the cheapest price as you shop for affordable medical insurance. You need to focus on getting a cheap rate that also gives you much value. You can get very low quotes that offer you the value you are after if you do your shopping right. But be prepared to pay slightly more if required to get adequate coverage.

Bear this in mind because some low quotes could be so because they do NOT have much value to offer you. Such cheap offers won't do you any good because you're not getting the right coverage for you. - 23211

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