Obviously if you are offered health insurance at work or if you can obtain health insurance at group rates through some organization that you belong to, then you should probably look into such coverage since group insurance rates are almost always lower than individual rates ? plus a group insurance may accept pre-exiting conditions more readily than an individual policy will.
For more and more people, especially those working out of their homes, group insurance rates simply aren't an option. Fortunate there are still a few things you can do to keep your rates on the low side.
First and foremost, do not smoke. If you already smoke then you need to stop. You need to stop using chew, snuff or any other form of tobacco product. Period. People who do not use tobacco products pay far less for their health insurance.
Everyone knows how difficult it is to lose weight, but if you are overweight you are considered a greater health risk and so you will pay a higher monthly health insurance premium. Losing even a little weight may bump you down into a lower payment bracket, so anything you can do may save you money for years to come.
Don't participate in dangerous or extreme sports or hobbies. If you routinely participate in dangerous activities then you will either have to pay a higher insurance premium, or your extreme activity will be excluded from your coverage.
Similarly, driving a high-powered car or a sports car can also increase your health insurance premiums each month. Anything that increases the chances of your filing a health claim will increase your monthly premium.
The percentage of your co-pay will greatly influence how much your premium is. Every time you visit a doctor's office or have other health care you are expected to pay a certain percentage of the bill in cash at the time of your visit. If you increase the amount of your co-pay then you will reduce your monthly premium. This can work out especially well for people who do not see a doctor on a regular schedule.
One of the biggest determinants for the cost of your monthly health insurance premium is your deductible ? the amount of money that you will pay each year out of your own pocket before you trouble your insurance company to begin making payments. The higher your deductible the lower your monthly premium. Again, this works best for people who are generally healthy and rarely require medical care each year.
An extreme form of this is to purchase a health insurance policy with a super-high deductible of $2,000 or even $3,000. Such policies are very inexpensive and are designed to protect your home or other assets in the event that you suffer an unexpected catastrophic accident or illness that racks up medical bills in the tens or even hundreds of thousands of dollars in the blink of an eye.
Now that you know what some of your money-saving options are it's time for you to go online and start comparing different health insurance polices from a variety of different insurance companies so you can find the one that's right for you at a price that you can afford.
Take your time and make comparisons on at least 3 different websites. In this way you can be certain that you are seeing the best prices from all the companies operating in Iowa and you can be absolutely sure that you have saved money and gotten the best discount health insurance available in Iowa.
Health Insurance In Thailand
Although most of us don't want to consider the possibility that we may get sick, it does happen. In fact, many people are being diagnosed with serious illnesses each and every day and without adequate health insurance, they are forced to tap into their personal financial resources to try and pay for medical care. A much better alternative for residents of Kentucky is to find a discount health insurance plan.
Group coverage is the best way to find low cost health insurance in Kentucky. If you happen to work for an employer who offers it as part of your benefit package, take advantage of this. Not only does it offer the lowest premiums imaginable, there are other benefits too. One important benefit is that if you are covered under a group plan in this state you cannot be charged more because you are already ill.
If you don't have the benefit of a group plan, there are still ways to save money and get discount health insurance in Kentucky. For individuals who are in almost perfect health and don't need to visit a doctor regularly they may want to consider purchasing a catastrophic health plan. Although this typically provides no coverage for things like routine office visits or prescription medications, it does provide extensive coverage for any major illness. This is a great approach for someone who is young and doesn't have a family history of any serious conditions.
One of the easiest and most beneficial approaches to saving on health insurance is to get in better shape. Healthier individuals pay less for premiums on their insurance. So if you're overweight, sedentary or a smoker, change your lifestyle and you'll not only notice a big difference in how you look and feel but you'll save money on insurance costs too.
One common worry among parents, regardless of where they live, is that their children will become ill. This is one of the main reasons parents are always encouraging their children to eat properly, to exercise and to bundle up when it's wet or cold outside. Ensuring that the child also has health care coverage is important and for parents who can't afford it, this can be a heavy burden to carry. In the state of Kentucky, any parent who isn't able to purchase health insurance for their child may qualify for coverage under the Kentucky Children's Health Insurance Program.
For anyone who doesn't qualify for this government sponsored program there are still ways to find affordable health insurance in Kentucky. One way that many people utilize is to take a higher deductible than the standard that is offered with the policy. A higher deductible will mean lower premiums but this is really only a viable option if the individual purchasing the policy can afford the deductible when they need to seek out care.
If you have your heart set on visiting a particular physician, you can expect to pay more for health insurance in Kentucky. Individuals who take out a plan that isn't restrictive like this can expect to pay less for insurance. If money is an issue, it's a good idea to choose a plan that picks your doctor for you.
Many medical services are optional and can be either included or declined when you are purchasing your health insurance policy. If you and your partner both have perfect vision, you may not need to invest the extra money in health insurance that also provides vision care for your family. If this does become an issue in the future, you can always adjust your coverage. In the meantime you'll be able to save money.
Both Larry Nez & Alexis Jensen are contributors for EditorialToday. The above articles have been edited for relevancy and timeliness. All write-ups, reviews, tips and guides published by EditorialToday.com and its partners or affiliates are for informational purposes only. They should not be used for any legal or any other type of advice. We do not endorse any author, contributor, writer or article posted by our team.
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