Everyone in their right mind would be quite pleased to discover a way of enjoying lower rates as long as such a way does not negatively affect the level of coverage they enjoy. You'll see several helpful suggestions in this write-up...
1. If you find it quite burdensome to pay for health insurance policy, you may be eligible for Medicaid. The requirements for qualification differ with different states. But the underlying condition is that you must be a low-income earner. It does not matter whether you're employed or not.
Someone in your family might be eligible even if you do not and therefore lower your family health insurance budget. Therefore, check with your state's Medicaid program.
2. The Consolidated Omnibus Budget Reconciliation Act of 1985 (COBRA) insurance is a good option for cheap coverage if you have a pre-existing condition that makes traditional individual health insurance difficult or too expensive.
3. People who operate home businesses are given a unique way to pay less by some states. Those states require that insurance providers offer home based businesses similar rates with other (bigger) businesses.
Employing just one employee qualifies a home business for such cheap rates in a number of states.
You can have your spouse or older kid work as an employee. You will still be eligible for such group rates if that worker does just part time.
Group rates are usually cheaper so do your best to take advantage of this if you are a home business owner.
To check if your state provides such or if your home business qualifies, visit your state's department of insurance.
4. Phone med services are great services that will help lower your costs. These are free community services that offer medical advice by phone 24/7. You can trust the advice you get because they are given by trained personnel (normally not less than a registered nurse with at least ten years experience). You will as well receive free medical help by calling local medical clinics.
Even though this is not an alternative to seeing a doctor, these can actually reduce your cost by reducing the number of visits you make to a doctor.
Moreover, you get timely help that could help you treat certain matters before they get out of hand. Therefore, they are worth giving serious consideration.
5. No-appointment ambulatory care centers or emergi-centers will as well help you lower your rates. This option is best if you find it rather hard to pay for standard health insurance and also rarely visit a doctor. Compared with an emergency room in a hospital, emergi-centers cost a lot less. Ask to know if your community has a center of this kind.
6. There are cases for which you really should not visit a doctor. For example, your doctor can really do nothing for you if you have a cold or flu. Applying some home remedies will really help in such situations. There are simple steps you should take and if you go to the doctor you'll pay and still be told the same things.
There is no way you can justify spending $100 for something you should have dealt with on your own. This also applies to simple first aid treatment. It is better to know how to take care of simple home emergencies especially if you have kids. There are several things that you can (and should) take care of if you've taken the time to learn and also have a well-stocked first aid box.
But even in those cases if you're not sure visit a doctor because it is better to lose money than to jeopardize your life. And, even for those who do have some experience with first aid, know your boundaries. There are cases you are not meant to even attempt if you are not a medical doctor. Just know what you should treat on your own and don't attempt what you shouldn't. If you do this right you will spend less in health insurance and still not put yourself at any risk.
7. Take advantage of free clinics if you intend to lower your spend. They will either reduce your co-payments or premium as a whole. These free clinics will take care of simple things like giving you medical advice, blood pressure checks and much more. Some communities have such clinics and some may just be part of a group's social responsibility program.
Author Resource:
Get more tips here: Health Insurance Quotes and Affordable Health Insurance . Chimezirim Odimba helps people get adequate insurance coverage for less.
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