Affordable health care insurance: Certain ways of cutting down your rates usually reduce the quality of coverage you get and so are NOT smart. Be that as it may, you can pay much less for better coverage if you know the things that matter and take necessary precautions. These are tips that won’t leave you with inadequate coverage…
1. Did you know that your co-pay could be more expensive than your drug cost sometimes? There are also situations where it will cost you less if you don’t use your insurance but buy a prescription from your own account. In such instances, you will spend less by taking the routes that offer you better savings.
2. There are cases for which you really shouldn’t see a doctor. Take, for instance, a viral infection like flu. Seeing your doctor will really make no difference in your health if you understand what to do. There are simple steps you should apply and if you go to the doctor you’ll pay and still be told the same things.
So is it wise to spend close to $100 in visiting a doctor when you already know that your condition would not be helped much? Other instances are small bruises that just simple first aid will handle properly.
Learn little first aid procedures. Most of those incidents would be well taken care of if you spend time learning a little about first aid and also have a good first aid kit.
Nevertheless, if you don’t know what to do, don’t hesitate to visit a doctor. But, please, know your bounds and be aware that there are cases you must refer to a doctor even if you know what to do. The law forbids you to do certain things if you’re not a certified medical personnel. Handle what you should and let your doctor handle those he/she should. You’ll pay less on health insurance without endangering anyone if you do this.
3. Smoking will cost you expensive rates. It’s a sure fact that smokers are liable to various health conditions and that they don’t live long.
This increases their risk to an insurer and therefore increases their rates dramatically. If you can abstain from smoking you’ll attract rates that are considerably more affordable when you reapply after twelve months.
4. Choose a higher deductible and you’ll pay a cheaper rate. This is the amount you must contribute before the insurer is obligated to pay accordingly. Therefore, make your deductible as high as you can within easy reach.
5. While looking for affordable health insurance it’s very important that you don’t get carried away by just the most affordable quote. What you need isn’t necessarily the cheapest quote but the quote that represents the best price to value ratio. You can get very cheap rates that give you the value you are after if you shop right.
But in situations where you don’t see the right value at the lowest rate, you’ll be taking the right step if you pay more to ensure you truly have the quality of coverage that is right for you.
Sometimes very cheap rates also offer great value but in other case they may compromise you. In those situations, the cheapest certainly isn’t the best but the best for you ultimately is the best deal on the long run.
6. You can realize savings of hundreds of dollars on your health insurance policy by requesting for insurance quotes from quote sites. The best way is to visit a minimum of five quotes sites and making sure that you input the same (correct) information about yourself.
I recommend that you use at least five quotes sites because it will make it less likely that you’ll miss out offers not presented by the other sites. This provides you a broader basis for doing more thorough comparisons thus increasing your chances of better quotes.
By: Chimezirim Chinecherem Odimba
Posts Tagged ‘Inadequate Coverage’
Should Everyone Have Health Care?
December 17th, 2009
Some historians claim disease has wiped out more people than all wars combined. Yet, in spite of the known historical record, Americans continue to ignore the inevitable consequences of contagious disease; consequences including significant preventable illness even for those with health coverage, large productivity losses and national leading to global plague.
Some plead we should care about the less fortunate, while others pretend private care is preferable, in spite of overwhelming evidence to the contrary. Today, U.S. citizens pay much more for coverage than citizens of any other nation, yet we are ranked 37th in health care quality and even lower in availability. Some former Soviet block and Southeast Asian nations offer better coverage; even Cuba has a lower infant mortality rate.
Over 45 million U.S. residents have zero health care; at least 80 million more have highly inadequate coverage. More and more citizens with expensive plans are being refused coverage for expensive problems. Every week, more citizens lose employer-paid care and retirement benefits, including long-term coverage for less healthy retirement years.
Depending on provider, 10-30% of every dollar spent on private coverage goes to overhead not related to care, while less than 5% for government-sponsored Medicare does, even though Medicare helps the oldest and sickest among us. Very plainly, private health care as we currently have, is not the solution.
Politicians on both sides of the political charade continue to pretend they care about America’s security, while continuing to ignore our immediate health care reality. Whether or not we care about our neighbor is only part of a larger equation, because disease knows no boundaries. Children of the poor can, have and will, infect children of the wealthy. Medical facts clearly demonstrate that private coverage is no guarantee against contagious diseases.
In reality, less than 1% of U.S citizens can afford to pay for their own catastrophic needs. All forms of private health insurance are “shared responsibility” programs, dependent on the majority of those covered to remain healthy, while majority pay-outs go to the sickest minority.
Yet, right-wing media pretends coverage is not a “shared responsibility”, that we should all take care of our own selves. People who claim this have never faced $250,000 per year cancer treatments on a working class income. And they clearly don’t understand their own immediate financial jeopardy if they were to lose coverage. Or, what can and will happen to their own children, if their neighbor’s children remain uncovered.
Scientists claim our planet is overdue for a major disease epidemic, while history clearly dictates that all of our politics, education, science and weapons won’t protect us against the onslaught of disease. And the media is clearly failing American citizens by not instructing us accordingly.
Is it fair to say that citizens who do not push for immediate affordable and adequate health coverage for all persons residing permanently or temporarily within our borders, are decidedly unpatriotic? Is it fair to say they don’t even care about their own children? You decide.
By: Richard Aberdeen