Health Insurance: How To Attract The Best Rates
Contrary to what you might be made to believe, it is quite easy to position yourself for a lower rate. You just need the right information and the resolve to practice what you'll learn to start enjoying a cheaper rate. We'll now take a look at a few time-tested ways to get this done...
1. Smokers get rates that are twice or more that of individuals who do not smoke. Smokers are more likely to die young and are also more likely to contract many deadly diseases.
It costs insurance carriers a lot more to give health insurance to smokers because of their high risk. Once you stop smoking for up to 12 months tell your present insurer or reapply to some other insurer and you will see a considerable drop in your rates.
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2. Those whose occupations expose to hazards attract higher premiums. You can reduce your premium if you switch to another line of duty that will not expose you to hazards. If your profession exposes you to hazardous substances, for instance, your rates will be much higher than that paid by a comparable profile who probably works as a receptionist in a shop.
3. An HMO will help you get health insurance at a cheaper rate. HMOs give you coverage that is cheaper than regular health insurance. Just bear in mind that with the lower cost as well come restrictions in the hospitals and medical professionals you can use.
If you think that the restrictions of an HMO are more than the benefits you get, you can opt for other health insurance plans.
All you will have to do is shop extensively for the cheap rate for traditional health insurance. That is how you would be able to land cheaper rates for traditional health insurance.
But if you are ready to accept the limitations, then an HMO is a great option for slashing your cost.
4. Married folks can spend less by being a single policy. Notwithstanding that this is true, it's not always so all the time. Therefore, check to see which is in your best interest.
This is because depending on your details and health needs, you may be better off buying two different plans.
5. Stop drinking if you want affordable rates. Drinkers pay more for health insurance.
Most ailments can be traced to drinking.
How much drinking is ok for you? I cannot really say as there are people who can drink a bottle and still be okay while some will take just a sip and then go bersek.
What I do know is that avoiding alcoholic beverages completely is very safe. So you can reduce your rates (Apart from reducing the probability of developing certain ailments) by staying away from alcohol if you can or drinking responsibly if you can't.
It's just that for most people drinking responsibly is even more difficult than quitting. You can be assisted if you really want to quit drinking.
1. Smokers get rates that are twice or more that of individuals who do not smoke. Smokers are more likely to die young and are also more likely to contract many deadly diseases.
It costs insurance carriers a lot more to give health insurance to smokers because of their high risk. Once you stop smoking for up to 12 months tell your present insurer or reapply to some other insurer and you will see a considerable drop in your rates.
Individual Health Insurance Quote Online
2. Those whose occupations expose to hazards attract higher premiums. You can reduce your premium if you switch to another line of duty that will not expose you to hazards. If your profession exposes you to hazardous substances, for instance, your rates will be much higher than that paid by a comparable profile who probably works as a receptionist in a shop.
3. An HMO will help you get health insurance at a cheaper rate. HMOs give you coverage that is cheaper than regular health insurance. Just bear in mind that with the lower cost as well come restrictions in the hospitals and medical professionals you can use.
If you think that the restrictions of an HMO are more than the benefits you get, you can opt for other health insurance plans.
All you will have to do is shop extensively for the cheap rate for traditional health insurance. That is how you would be able to land cheaper rates for traditional health insurance.
But if you are ready to accept the limitations, then an HMO is a great option for slashing your cost.
4. Married folks can spend less by being a single policy. Notwithstanding that this is true, it's not always so all the time. Therefore, check to see which is in your best interest.
This is because depending on your details and health needs, you may be better off buying two different plans.
5. Stop drinking if you want affordable rates. Drinkers pay more for health insurance.
Most ailments can be traced to drinking.
How much drinking is ok for you? I cannot really say as there are people who can drink a bottle and still be okay while some will take just a sip and then go bersek.
What I do know is that avoiding alcoholic beverages completely is very safe. So you can reduce your rates (Apart from reducing the probability of developing certain ailments) by staying away from alcohol if you can or drinking responsibly if you can't.
It's just that for most people drinking responsibly is even more difficult than quitting. You can be assisted if you really want to quit drinking.
About the Author:
To learn more go to Online Health Insurance Quote and Affordable Health Insurance NY. Chimezirim Odimba writes on financial matters.