Tips to Get Huge Savings - Want cheaper rates? If answered “Yes” you have to do everything within your power to uncover as many steps as there are to cheaper rates. I’ve provided enough suggestions to help the greater majority save over 50% on insurance…
1. The Consolidated Omnibus Budget Reconciliation Act of 1985 (COBRA)
|Health Insurance - Tips Huge Savings|
insurance is a good choice for cheap coverage if you have a pre-existing illness that makes regular individual health insurance difficult or too expensive.Insurance Quote
2. Certain states offer home business owners an opportunity to lower their rate.
Those states demand that insurance companies offer home based businesses similar rates with other (larger) businesses.In several states a home business qualifies for a group rate once it employs a person.The cheery news is that the employee could be your spouse or grown kid who works with you. Furthermore, you will still qualify if that single employee works only part time.This will give your reasonable savings since group rates are always less than individual rates.To know if you are eligible or even if your state has such offer, call your state’s department of insurance, department of financial services or their equivalent.
3. Phone med services will help you lower your rates.
A phone med service is on twenty four hours daily and provides free medical advice. You can trust the advice you get because they are manned by qualified professionals (usually a minimum of a registered nurse with at least ten years experience). Your local clinic is as well another place you can get free medical advice by phone.
This, hopefully, should reduce the number of visits you make to a doctor even though it’s not an alternative to doing so.
A timely medical help could be the difference between a serious health condition and a mild one. For these and more reasons, use these free medical services.
4. No-appointment ambulatory care centers or emergi-centers will as well help you bring down your rates.
This is particularly so if you’re generally healthy and find it tough to pay for traditional health insurance. They are cheaper than using an emergency room in a hospital.
5. Even though you are warned against self-medication, there are situations where you shouldn’t visit a doctor.
Take, for instance, a viral infection like flu. A visit to your doctor will really make no difference in your health if you know what to do. Your doctor will likely do things you should have done on your own at home in a situation like that.
If your doctor can’t do anything about a health condition then I think it’s not advisable to spend about $100 on a visit to him or her. Other examples are minor bruises that just simple first aid will handle properly. If you do not know these simple things take out time to read books on them especially if you have little children. There are several things that you can (and should) handle if you’ve taken the time to learn and also have a well-stocked first aid box.However, it’s better to err on the side of caution and go to a doctor if you’re not certain.
But, please, know your limits and know that there are situations you must take to a doctor even if you know what to do. The law stops you from doing certain things if you’re not a certified medical professional. Just know what you should handle on your own and avoid what you shouldn’t. If you do this right you will pay less for health insurance and still not put yourself at any risk.
6. Using free clinics will help you lower your spend.
These will either bring down your co-payments or premium entirely. These are free ways for you to receive professional medical help and have regular check up. Some communities provide such clinics and some may just be part of a group’s community service.