There are a number of ways to more affordable but adequate coverage. But while some of them may reduce your cost, they could leave you with inadequate coverage. This is, however, not the case with the options I’ll share with you in this write-up as you’ll realize considerable savings while you maintain sufficient coverage….
1. There are folks who may not qualify for special health insurance for low-income earners and at the same time are unable to afford traditional health insurance. A discount medical card is a more affordable option for such people.
A discount medical card qualifies you to use a network of doctors who are contracted to provide card carriers health care services at a cheaper rate. These cards aren’t connected to any health insurance company.
You can fall back to this option if you have a medical history that has made health insurance companies either declare you uninsurable or give you a rate that is too high. This type of card does not exclude anyone in spite of your medical history. All you have to do is pay an affordable monthly fee and you will benefit from the services of a network of health care providers at a lower rate.
2. Your rate will drop if you raise your deductible. This is the amount you will pay before your insurer is obligated to fulfill the policy terms. So make your deductible as high as possible but within easy reach.
3. Healthy living will attract lower rates. For example, your rate will be lower with time if you avoid junk food. Cutting off fats, cholesterol and high carb from your diet will make it easier for you to maintain the ideal weight, live a healthier life and, as a result, attract more affordable rates.
You’ll also help your health and rate by going on regular exercise.
4. Choosing to be flexible about the doctors and health care facilities you can use will result in a reduction in your cost. The reason for this is that you may be required to limit yourself to doctors and hospitals in a particular network in order to get certain low rates. And in such a case you might be compelled to change to health care providers in that network and not those who are your preferred.
If you can’t make this kind of sacrifice, then you can’t really lower your cost using this option. Even though you’re advised to be flexible, make sure you also get what will serve your best interest ultimately.
5. Buying catastrophic health insurance policies will help you make considerable savings in health insurance and is your best bet if you are rarely sick. For people who might not know what it is, it’s a type of policy that provides coverage if you fall ill suddenly or are involved in an accident.
You will generally appreciate this plan if you ever have to pay huge bills due to unforeseen diseases or accidents. The premium you pay for catastrophic health insurance is really affordable.
What are usually high are the deductibles which can be as much as $2,000. But considering that you are getting coverage from accidents or ailments that could make you spend tens of thousands of dollars such deductibles are not really that high — Relatively.
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