subject: Inexpensive Health Care Insurance -- Different Steps For Savings [print this page] How far have you gone in ensuring you attract the cheapest rates? Did you simply give up after using the few tips you learnt then? Won't you love to get more tips if that will translate to saving even much more? I have many more proven tips here...
*Go for catastrophic health insurance rather than a regular plan if you hardly fall sick and you'll get better rates. For folks who do not know what it is, it's a kind of policy that provides coverage if you fall ill suddenly or are involved in an accident.
The greatest benefit of this policy is where sudden health conditions or accidents give rise to huge bills that could at best be called catastrophic. That's the reason it's protection against catastrophic ailments or accidents. The rate you pay for catastrophic health insurance is quite cheap.
However, the deductibles are normally as much as $2,000 but they are certainly worth it since you hardly get sick and are getting coverage in case a catastrophic ailment or accident strikes.
*People with excess weight attract far higher rates than individuals with normal weights. Your BMI or Body Mass Index is a very serious factor used to define your risk to a health insurance carrier.
If your BMI rating is high, your rates will be high. Your weight is too much for your height and sex if your BMI is high. Put more effort into shedding excess weight since dropping even a few pounds could put you in another Body Mass Index rating which means more affordable premiums.
*How much can you contribute to payments for seeing a doctor? This is what is referred to as your co-pay for those who don't know already. The higher it is, the lower your rates will be. If you rarely ever go to visit a doctor, you should lower your rate considerably by opting for a high co-pay.
*If you drink then your rates will be higher than a similar profile that doesn't drink. Drinkers spend more on health insurance.
Many diseases are made more likely by taking alcohol.
What quantity of alcohol can you take without any side effect? I can't really say as there are people who can take a bottle and still maintain their cool while some will take just half a glass and then go bersek.
What I'm sure of is the fact that avoiding alcohol use is would help a lot. For people who can't stay away completely, try to drink responsibly.
But I am told it's harder to drink in moderation than it is to stay away completely. You can get help if you really want to quit drinking.
by: Chimezirim Odimba..
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