6 Important Things To Bear In Mind If You Want Cheaper Health Insurance Rates
6 Important Things To Bear In Mind If You Want Cheaper Health Insurance Rates
You can't be ignorant of a number of factors and get a cheap rate. There are tips that will help you pay a lot less than you're probably paying at the moment. I'll go through a few time-tested methods. But they'll only benefit you if you implement them....
1. Smokers have health insurance rates that are double or more that of non-smokers. Smokers are more prone to die at a tender age and are also more likely to contract many harmful diseases.
If smoking causes some kinds of health problems, then it makes a person a high health insurance risk and that calls for higher rates. If you can quit smoking you will attract rates that are considerably reduced when you reapply after 12 months.
2. Buying your prescriptions online is a proven way to reduce your health care spend. Buying by telephone will also give you affordable prices. The internet lowers the cost of doing business and pharmaceutical companies or groups who sell their drugs online do so at lower rates. Nevertheless, you'll do well to check the company you are buying from so you don't endanger yourself. Just go to BBB online and you'll know if you should buy from a particular company.
While we want to reduce our health care costs we also need to ensure that we safeguard our health and our lives.
3. Even though a good number of individuals have realized that smoking increases their health insurance rates, they may not know that this also applies if they use other tobacco products. Chewing or snuffing tobacco, for instance will cost you in higher health insurance premium.
Staying clear of all tobacco products will help you get cheaper health insurance.
4. Believe it or not, the way you drive can have a negative effect on your health insurance rate. If you have many charges on rough driving or a history of street racing you'll spend much more. This is because you will make yourself a worse risk to your insurer.
Therefore, good driving doesn't only save you much in your auto insurance; it also gives you lower rates in health insurance. Fast muscle cars and super bikes will raise your rates since they make you a higher risk. The plain reason remains that you raise the chances that you will make claims soon.
5. In most cases these regular medical check ups won't cost you anything extra because most health insurance plans would probably have up to two free medical check ups for you annually.
Why do check-ups result in savings?
Since health conditions are spotted at their mild stages by doing such check ups, they are more easily treated without much expense. And, anything that makes your health insurance provider spend less on you makes your rates lower.
6. Get and compare quotes from five or more reputable sites. This is because insurance companies not represented by one site would be represented by another. Moreover, you should understand that because your chances of getting lower health insurance quotes is proportional the range of health insurance quotes you obtain, the more insurers you obtain quotes from, the higher your chances.