Wednesday, April 16, 2008
CNN.com
You can get more affordable health insurance rates with a few time-tested tips. I'll share a good number in this article. But note that they'll do you NO go unless you apply them. Here they are...
1. A group plan is usually cheaper than an individual health insurance plan. Take advantage of it if you're in a position that offers you the option of using a group plan as it typically implies that you'll pay lower rates. This should be of special interest to elderly individuals, smokers or overweight individuals who usually attract high quotes.
You will also get some respite in a group plan if you attract very high health insurance rates owing to a pre-existing medical condition. Give a group plan careful consideration if you really want cheaper rates.
2. There are individuals who may not qualify for special health insurance for low-income earners and at the same time don't really earn enough to easily pay for regular health insurance. A discount medical card is a cheaper alternative for such people.
With this special kind of card you are given medical attention from a network of doctors who have agreed to render services to card carriers at more affordable rates. These cards aren't given by any health insurance company.
If you've been disqualified from traditional health insurance because of your medical history or think your premium is too expensive then you can reduce your spend by making use of this type of card. There are no exclusions for any reason. You just have to pay a monthly fee to qualify to use their network of doctors.
3. Staying loyal to one insurance company for any considerable length of time will actually lead to savings. You'll get discounts of up to 5 percent on your health insurance if you remain with the same insurance company for up to three years. Staying longer will attract more discounts.
However even though it's a decent way to save, you may get more savings if you ignore a loyalty discount and go over to another insurance company..
Let's say, for example, that you will get a 5% (or $125) discount after your third year with an insurer where you present premium is $2,500.
But because of the high cost of health care and inflation, insurers may have to re-adjust their rates to show those changes. Between these three years you would most likely get an insurance provider who'll give you comparable coverage or better for under $2,000. Then it won't be wise to stay put because you want to become eligible for a discount down the road even if the expected discount is less than savings you'll get now if you change to another insurer.
But believe it or not, most people can pay far less with another insurance company if they'll only take the time to shop properly.. Since the process of getting and comparing quotes involves just minutes, I'll wonder why you will not do that instantly and get cheaper rates immediately.
4. You will lower your rates by a huge margin if you spend time on shopping right.. And, suggestions from reliable acquaintances can help you get affordable rates.
Doing this helps you avoid going to just the insurer with the best media presence but to the provider that offers the best price/value. An acquaintance is more likely to tell you if they had an unpleasant experience with a provider.
If you inquire from your friends and acquaintances you'll hardly fall into the wrong hands.
5. Knowledge, they say, is power. Knowing what's in your best interest helps you make better decisions. Furthermore, you will also be in a position to take advantage of opportunities as they emerge.
There are toll-free numbers for you to call if you need advice on health matters. .Call the National Health Information Center at 1-800-336-4797 to if you need advice on health matters.
6. You might save several hundreds of dollars by just obtaining and comparing quotes from not less than five insurance quotes sites. And, it will require only about 25 minutes on the whole.
Here are great pages for health insurance quotes...
InsureMe Health Insurance Quotes
Chimezirim Odimba writes on insurance.
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