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Low Cost Health Insurance -- I Hope You Didn't Miss These Great Ways To Save

Published Monday, August 18, 2008 by bloggerblognet26206 | E-mail this post

You might be having difficulty finding low cost health insurance simply because you've missed some really great ways to cut down your cost. I'll explore some of such ways in this article...

1. It is profitable to stay with the same insurer. You'll attract discounts of up to 5% on your health insurance if you remain with the same insurer for up to three years. The longer the years you've been loyal to an insurer the bigger discounts you can get.

2. No-appointment ambulatory care centers or emergi-centers will as well help you lower your costs. This is especially correct if you are always healthy and find it tough to pay for regular health insurance. They cost far less than using an emergency room in a hospital.

3. The pharmaceutical industry has big brand names. If you buy such drugs, your premium will go up. But will you believe it if I told you that all generic drugs are required by law to have the exact same percentage of active agents as brand name drugs? Where the dissimilarities start and end are in their choice of inactive ingredients.

This simply implies that what you get from brand name drugs is also what you get from generic drugs of similar specification. Nevertheless, check this with your doctor before making this decision.

4. Your premiums might be tax-deductible if you're self employed. You may as well be entitled to a tax break if your employer offers a flexible spending account. Ask your tax professional.

5. You'll be given lower rates if you make your payments by Electronic Funds Transfer (EFT). This authorizes your insurer to automatically withdraw your premiums from your account when due. This reduces administrative costs like those incurred when mailing payment notices. This is why this attracts more affordable premium.

6. Get and compare quotes. Visit at least five quotes sites. Using at least five quotes sites raise the chances that you'd receive better health insurance quotes. This is because insurers not covered by one site will be covered by another.

And, you know that because your chances of receiving lower health insurance quotes is tied to the range of quotes you receive, the more insurance companies you receive quotes from, the higher your chances will be.

Here are great pages for health insurance quotes...

InsureMe Health Insurance Quotes

Health Insurance Quotes

Chimezirim Odimba writes on insurance.

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