Attracting Cheaper Health Care Insurance — Steps To Take

In: Health and Fitness

19 Mar 2011

With the right tips you’ll pay a lot less for sufficient coverage. It is as well important that I stress that there are ways that might put you at risk even if they save you at the moment. I will, nevertheless, only make recommendations that will save you much while you still keep enjoying sufficient coverage…

Lose weight and your premium will be lower. An insured’s Body Mass Index (BMI) is a serious factor that determines how much you pay as rate.

The higher an individual’s BMI rating, the more expensive their premium will be. The more extra weight you have for your height and sex the higher your BMI rating will be. And don’t think that you’ll get savings only when you lose 50 pounds, just dropping off a few pounds will lower your rates provided it alters your BMI rating.

Believe it or not, the way you drive can affect your health insurance rates negatively. Being found guilty of traffic violation is not just bad for your auto insurance rate it also has an effect on your health insurance rates. Any person who drives recklessly might make a claim shortly as they are more likely to require medical attention.

You will reduce your rates if you develop a better culture behind wheels. If you drive a sports car or super bike, you will likely pay a huge sum in health insurance. The higher probability of a crash means someone could be injured and require to make a claim.

The Consolidated Omnibus Budget Reconciliation Act of 1985 (COBRA) insurance is a good choice for affordable coverage if you have a pre-existing condition that makes standard individual health insurance difficult or too expensive.

Even though this may not be an issue for most people it should be mentioned…

Beside the fact that you’re putting your life at risk, using banned or unregistered drugs will increase you rates. Misusing drugs also will make you spend more in health insurance. In addition, stay away from self-medication for both its grave implications and the fact that it will increase your rates.

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 your family member. Although you may not really save anything by doing this, you’ll be certain that you have adequate coverage this way. While doing this regular check you can also notice coverage no longer need.

Dropping such unnecessary coverage will reduce your rates.For example, if you bought coverage for your family and one of your children has just gone to college or got married, you may not remember to remove them from your family coverage if you do not crosscheck your whole policy regularly. It’s very easy to NOT remember little things like this. Believe me, joy can make you forget important matters like this.

Individuals who elect to participate in extreme sports surely get rates that are costly. Therefore stop any sport or leisure activity that’s either life-threatening or dangerous and you’ll get more affordable rates.

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