Do You Want More Affordable Health Insurance? Then Apply These Tips

You can enjoy affordable health insurance if you know what to do and when to do them. Let's explore a few ways to pay less without endangering our lives or those of our loved ones...

1. You'll reduce your cost if you have an outstanding credit rating. A poor credit history will cost you in higher rates. For some insurers it is a pattern they believe you might repeat with them in premium defaults. This translates to more danger to them and higher premiums for you.

2. Ask your agent personally about all the discounts possible with your present insurer. There's a possibility that your agent has left one or two out. You will lower the probability of this happening to you if you take the pains to ask your agent seriously to tell you of every discount that is possible. You might get a very pleasant surprise!

3. Smokers pay rates that are twice or more that of non-smokers. It is a sure fact that smokers are prone to various health conditions and that they don't live long.

It costs insurance companies a lot more to provide health insurance to smokers because of their high risk. If you can quit smoking you will get rates that are considerably more affordable when you reapply after twelve months.

4. It pays to look through your policy at least yearly or as much as you think changes have occurred in your health or that of a member of your family. This will help you confirm you always have sufficient coverage. But most times it does happen that one of these checks reveals that you have more coverage than you need.

It's in such cases that you'll save by doing this since you would do the right thing and cancel such unnecessary coverage. For instance, if you bought coverage for your family and one of your children has just entered college or got married, you may not remember to remove them from your family coverage if you don't review your whole policy regularly. Believe me, there are a lot of things on our minds these days. Believe me; joy can make you forget serious matters like this.

5. You'll attract more affordable premiums if you make your payments by Electronic Funds Transfer (EFT). This simply means your insurer takes your premiums automatically from your account each month without mailing you payment notices.

This saves the insurance company in many ways such as eliminating the cost of sending payment notices and the expense of processing checks. Your rate is therefore brought down to reflect the cheaper cost of providing insurance to you.

6. You can get cheaper quotes on health insurance now by visiting not less than five quotes sites. Each quotes site will take you around 5 minutes or less to obtain quotes. (Some people present details that are not really correct about themselves. That is NOT a smart move since the quotes you'll get this way will NOT be of any use to you). You'll have to pick lowest health insurance quote for you from the list of quotes you've obtained. It's as simple as that. However, you could make savings hundreds of dollars.



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