Cheap Medical Insurance -- Ways To Make Bigger Savings
Are you positive you seriously want cheaper rates? If answered "Yes" you need to do all within your ability to find out as many ways as there are to cheaper rates. Here are great ideas that will help you lower your rate by up to 50% if you apply them the right way...
1. For folks who have a health condition that makes it hard or too expensive for them to find private individual health insurance, the Consolidated Omnibus Budget Reconciliation Act of 1985 (COBRA) insurance could provide a cheaper alternative.
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2. People who own home businesses are given a unique opportunity to pay less by certain states. Such states require that insurance companies offer home based businesses similar rates with other (larger) businesses.
In a number of states a home business is eligible for a group rate the day it employs a person.
You can have your spouse or older kid work as a member of staff. Moreover, you'll still qualify if that single member of staff works only part time.
Group rates are generally lower so ensure that you take advantage of this if you're a home business owner.
You can check if home businesses are qualified for group rates in your state by visiting your state's department of insurance or its equivalent.
3. If you take advantage of phone med services you would have done a lot to reduce your rates. A phone med service operates 24 hours daily and gives free medical advice. You can trust the advice you get because they are given by qualified professionals (normally not less than a registered nurse with at least 10 years experience). Local clinics offer free medical advice by phone in most cases.
Even though this is not an alternative to visiting a doctor, these can really reduce your cost by bringing down the number of visits you make to a doctor.
The advice they give could also help you take precautions that will prevent a serious health condition. This is compelling enough for you to make use of them even if they do not help you lower your costs.
4. No-appointment ambulatory care centers or emergi-centers can also help you reduce your rates. This is especially true if you're always healthy and find it tough to pay for traditional health insurance. These centers are cheaper than an emergency room in a hospital. Ask to know if your community has a center like this.
5. Although you are warned against self-medication, there are situations where you should not see a doctor. Clear example are viral infections like flu about which your doctor can really do nothing. There are easy steps you should take and if you go to the doctor you'll pay and still be given the same remedies.
There is no way you can justify spending $100 for something you should have done by yourself. I also believe there are little home incidents that your first aid box will handle quite well. It is to your advantage to know how to take care of simple home emergencies especially if you have children. There are several things that you can (and should) take care of if you've taken the time to learn and as well have a well-equipped first aid box.
However, if you don't know what to do, go on and visit a doctor. But, please, know your bounds and be aware that there are situations you must take to a doctor even if you know what to do. There are things you're not meant to even attempt if you're not a medical professional. Do what you should and allow your doctor handle those he/she should. You will spend less on health insurance without endangering yourself or yours if you do this.
6. Take advantage of free clinics if you intend to lower your cost. These free clinics will cater for simple things like giving you medical advice, blood pressure checks etc. Some communities have such facilities and others may just be part of a group's social responsibility program. - 23211
1. For folks who have a health condition that makes it hard or too expensive for them to find private individual health insurance, the Consolidated Omnibus Budget Reconciliation Act of 1985 (COBRA) insurance could provide a cheaper alternative.
Insurance Quote
2. People who own home businesses are given a unique opportunity to pay less by certain states. Such states require that insurance companies offer home based businesses similar rates with other (larger) businesses.
In a number of states a home business is eligible for a group rate the day it employs a person.
You can have your spouse or older kid work as a member of staff. Moreover, you'll still qualify if that single member of staff works only part time.
Group rates are generally lower so ensure that you take advantage of this if you're a home business owner.
You can check if home businesses are qualified for group rates in your state by visiting your state's department of insurance or its equivalent.
3. If you take advantage of phone med services you would have done a lot to reduce your rates. A phone med service operates 24 hours daily and gives free medical advice. You can trust the advice you get because they are given by qualified professionals (normally not less than a registered nurse with at least 10 years experience). Local clinics offer free medical advice by phone in most cases.
Even though this is not an alternative to visiting a doctor, these can really reduce your cost by bringing down the number of visits you make to a doctor.
The advice they give could also help you take precautions that will prevent a serious health condition. This is compelling enough for you to make use of them even if they do not help you lower your costs.
4. No-appointment ambulatory care centers or emergi-centers can also help you reduce your rates. This is especially true if you're always healthy and find it tough to pay for traditional health insurance. These centers are cheaper than an emergency room in a hospital. Ask to know if your community has a center like this.
5. Although you are warned against self-medication, there are situations where you should not see a doctor. Clear example are viral infections like flu about which your doctor can really do nothing. There are easy steps you should take and if you go to the doctor you'll pay and still be given the same remedies.
There is no way you can justify spending $100 for something you should have done by yourself. I also believe there are little home incidents that your first aid box will handle quite well. It is to your advantage to know how to take care of simple home emergencies especially if you have children. There are several things that you can (and should) take care of if you've taken the time to learn and as well have a well-equipped first aid box.
However, if you don't know what to do, go on and visit a doctor. But, please, know your bounds and be aware that there are situations you must take to a doctor even if you know what to do. There are things you're not meant to even attempt if you're not a medical professional. Do what you should and allow your doctor handle those he/she should. You will spend less on health insurance without endangering yourself or yours if you do this.
6. Take advantage of free clinics if you intend to lower your cost. These free clinics will cater for simple things like giving you medical advice, blood pressure checks etc. Some communities have such facilities and others may just be part of a group's social responsibility program. - 23211
About the Author:
Get more tips at Health Insurance Quotes and Affordable Health Insurance. Chimezirim Odimba writes on insurance.
posted by X - Men @ 2:54 AM
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