We all will appreciate a very cheap rate provided it comes with adequate coverage. But how can this happen? Here are things that will help you get considerable discounts without difficulty…
1. You’ll spend less by insuring your kids through state plans. There are conditions that must be fulfilled before you are deemed qualified for such.
These plans are often either free or cost very little. If you have a kid with a special ailment, you will save much if you insure such a child through a state plan.
2. You will reduce your cost by a huge margin if you take out time to do extensive and thorough shopping.. And the simplest way to begin is to inquire from your trusted acquaintances what their experiences with their insurers are.
You’ll be eliminating hype from agents who simply want commissions to real user-experiences this way. A trusted associate is more likely to tell you if they had an unpleasant experience with a provider.
The probability that you’ll settle for the wrong insurer reduces if you get personal experiences from people you can trust.
3. You’ll pay less for health insurance if you if you get the right tips. You will be able to make decisions that will guarantee you the best. Moreover, you’ll find it easier to get every benefit that you are qualified for if you get the right information.
There are toll-free numbers for you to call and get help on health matters. To get help, call the National Health Information Center at 1-800-336-4797.
4. There are people who are not eligible for special health insurance for low-income earners and at the same time are unable to afford traditional health insurance. If you are one of such people, you’ll benefit much from a discount medical card. So what are they?
This type of card gives you access to a network of doctors who are contracted to provide their services at lower rates to all card carriers. This card is not issued by insurance companies.
You can fall back to this option if you have a pre-existing condition that has made health insurance companies either declare you uninsurable or give you a rate that is very expensive. One advantage of a discount medical card is that everybody is accepted. All you are expected to do is pay a small monthly fee and you will be eligible to use the services of a network of health care providers at a lower rate.
5. A group health expense sharing plan is a good option to bring down your cost. A group expense sharing plan is a plan where a group of people collectively provide themselves with health insurance coverage. They are normally found in big organizations like churches.
Policy terms and scope of coverage differ from group to group.
Try to find such groups and see if any of them will cater for your individual health insurance needs. You can expect your cost to be far less if you find a group that fills your needs.
6. If you find it quite difficult to pay for health insurance plan, you may qualify for Medicaid. Qualification rules differ with each state. However, the underlying rule is that you must fall within the low-income bracket. Being employed on its own does not make you ineligible.
Even if you do not qualify another family member might and that will go a long way to reduce your family health insurance spend. You can find out whether you or yours are eligible from your state’s Medicaid program.
7. The Consolidated Omnibus Budget Reconciliation Act of 1985 (COBRA) insurance is a good option for affordable coverage if you have a pre-existing condition that makes regular individual health insurance hard to get or more costly.