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Affordable Medical Insurance For All -- Tips To Ensure You Get It

Published Wednesday, August 27, 2008 by bloggerblognet83280 | E-mail this post

Many people can enjoy more affordable medical insurance if they know what to do. If you're shopping for lower rates for the right coverage then you need to be aware of some simple things that could save you much. Let's look at a few here...

1. People whose professions expose to hazards attract less affordable rates. You can reduce your rates if you choose another vocation that does not expose you to hazards. If your work exposes you to toxic chemicals, for example, your premiums will be much more than that paid by a comparable profile who probably works as a cashier in a shop.

2. Paying your premium once a year will result in cheaper rates than opting for monthly payments. The ads may show that monthly payments are less stressful but what you don't know is how much extra you pay for this.

Each check that is processed attracts a fee. For twelve checks (that is, your monthly payments) you will have a sum of twelve transactions. You'll then have to pay the sum of twelve transaction charges.

Apart from this, there are also administrative costs that are incurred due to the monthly payment option. A good example of such is the expense associated with mailing payment notices.

All such cost to an insurance provider is eventually borne by you (that's in addition to their own markup for providing such a "stressless" alternative).

3. What you're ready to contribute to payments for each visit to the doctor has a bearing on your premium. This is what is referred to as your co-pay in case you don't know already. Your rate will be lower if you opt for a higher co-pay. You're especially advised to select a high co-pay if you see your doctor just once in a very long period.

4. Buying your prescriptions online is a proven way to lower your health care spend. Buying by telephone might as well give you cheaper 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 choose to buy online do all within your power to find out a little about whom you are buying from because there are wolves on the internet.

Just visit BBB online and you will know if you should buy from an exact company.
While we want to lower our health care rates we also need to ensure that we safeguard our health and our lives.

5. Electronic Funds Transfer, known as EFT is a smart way to bring down your rate. This process authorizes your bank to credit your insurer with your premium payments without any intervention from you until you advise to the contrary. This saves an insurer's overhead by eliminating the necessity of payment notices or checks. Your premium is therefore brought down in line with the lower cost of giving you insurance.

6. Get and compare many quotes. You can save much by visiting at least 5 quotes sites. That way, you'll get the lowest quotes possible because five sites will give not less than 25 quotes altogether.

Here are great pages for health insurance quotes...

InsureMe Health Insurance Quotes

Health Insurance Quotes

Chimezirim Odimba writes on insurance.

Helping you get the Credit you deserve!