Cheaper medical Contrary to what you might have thought, it's quite easy to get a lower rate. The only things that stand between you and attracting a more affordable rate now are relevant information and a motivation to make use of the recommendations you get. Let's look at a few sure-fire ways to get better rates...

1. Ensure a healthy life style and you will get lower rates with time. If you can stop eating junk food you'll pay less over time. Removing fats, cholesterol and high carb from your diet will make it easier for you to retain the right weight, live a healthier life and, as a result, attract cheaper rates.

You will also help your health and rate by going on regular exercise.

2. For folks who have a longtime ailment that makes it hard or too expensive for them to enjoy private personal health insurance, the Consolidated Omnibus Budget Reconciliation Act of 1985 (COBRA) insurance could offer a more affordable option.

3. Some persons are not poor enough to qualify for plans for low-income earner and also have financial challenges that make regular health insurance hard to pay for. In case this defines you, then you can reduce your budget for health care by going for a discount medical card. So what are they?

With these cards you are given medical attention from a network of health care professionals who have agreed to render services to card carriers at reduced rates. Such cards are not issued by insurance companies.

You can fall back to this option if you have a medical history that has made health insurance providers either reject you or give you a rate that is too high. One advantage of a discount medical card is that everybody can use it. Just make your monthly payments and you'll have access to a network of health care providers who will bill you lower for their services.

4. Your premiums may be tax-deductible if you're self employed. You may also be entitled to a tax break if your employer offers a flexible spending account. You can get details on this from your tax professional. This will help you know for sure what will entitle you to a tax break and what won't.

5. Don't become carried away by the lowest quote as you shop for low cost health insurance. You want a cheap rate that also offers you much value. If the cheapest price has all that is important to you, then go for it. But in situations where you don't find the right value in the cheapest rate, you'll be making the right choice if you pay more to ensure you truly have the quality of coverage that you really need.

Take note of this because a number of low quotes are that low because they don't offer much. A health insurance plan that compromises you does not make sense even if it's 500% less than the quote that offers you sufficient coverage.

6. You will save much if you only have between 25-30 minutes. Visit, obtain and compare health insurance quotes from selected quotes sites. The cheapest offer should be your choice easily. However, you have to look beyond just the lowest quote to the best price to value ratio. The cheapest may not be the best price/value for you as an individual.

Here are great pages for health insurance quotes...

InsureMe Health Insurance Quotes

Health Insurance Quotes

Chimezirim Odimba writes on insurance.

Article Source: http://EzineArticles.com/?expert=Chimezirim_Chinecherem_Odimba

With the right advice you'll get more affordable rates for sufficient coverage. It is also necessary that I point out that there are recommendations that might put you at risk even if they help you make savings at the moment. I will, nevertheless, only make suggestions that will save you much while you still keep enjoying adequate coverage...

1. Even though most individuals know that smoking adds to their rates, they may not know that this also applies if they use other tobacco products. Those who snuff or chew tobacco will also get higher rates than those who don't. Staying away from all tobacco products will attract less expense in health insurance.

2. A group plan is less expensive than an individual plan. Don't miss it if you're in a position that gives you the opportunity of using a group plan as it generally implies that you'll pay lower rates. This statement becomes even more so if you're overweight, a smoker or an older person.

A group plan will help you make considerable savings if you have a pre-existing condition that makes individual health insurance either too costly or almost impossible to come by. A group plan is an easy way to lower your cost without reducing the quality of coverage you will enjoy.

3. You will spend less in health insurance if you if you get the right tips. Individuals who know more about health care and insurance get better deals. Moreover, you will find it easier to get every benefit that you are eligible for if you always have the right information.

There are toll-free numbers you can call if you need help on health matters. One of such numbers is that of the National Health Information Center: 1-800-336-4797

4. Buying your prescriptions on the internet is a proven way to bring down your health care spend. Buying by telephone might as well give you affordable prices. The internet reduces the cost of doing business and pharmaceutical companies or groups who sell their drugs online do so at cheaper rates. But if you've chosen to buy online try to find out a little about whom you are buying from because there are wolves online. Just go to BBB online and you will know if you should buy from an exact company.

Always remember that while we want to reduce costs we also want to avoid risks.

5. Electronic Funds Transfer, known as EFT is an easy way to reduce your premium. By doing this you authorize your insurance provider to automatically withdraw your payments from your account when due. This eliminates administrative overheads like those involved in sending payment notices. Your premium is therefore lowered in line with the cheaper cost of giving you insurance.

6. Visit a minimum of five quotes sites. Using a minimum of five quotes sites raise the chances that you'd receive cheaper health insurance quotes. This is because insurance companies not covered by one site will be represented by the other. Moreover, you know that because your chances of getting lower health insurance quotes has to do with the number of quotes you obtain, the more companies you obtain quotes from, the higher your chances will be. Requesting for your health insurance quotes online will help you save a bundle if you take out around 25 minutes to obtain quotes from at least five sites.

Here are great pages for health insurance quotes...

InsureMe Health Insurance Quotes

Health Insurance Quotes

Chimezirim Odimba writes on insurance.

Article Source: http://EzineArticles.com/?expert=Chimezirim_Chinecherem_Odimba