Affordable Health Care Insurance – Here Are More Tips For Getting Cheaper Rates

Affordable health care insurance: You’ll easily pay less for sufficient coverage if you have and use the right advice. But also bear in mind that you could save if you get the wrong tips. The only difference is that you will be compromised in the quality of coverage you get. I will, however, only give tips that will help you save much while you still keep enjoying the right coverage…

1. If in your case it’s hard to find a willing private health insurance provider because of an unfavorable medical history you can make use of COBRA insurance. In case you don’t know COBRA is the acronym for Consolidated Omnibus Budget Reconciliation Act of 1985.

2. Information is key in getting savings. People who have the right information on health care and insurance are in a position to find better deals. In addition, you will as well be more prepared to take advantage of opportunities as they emerge.

The U.S has many toll free numbers where you can be helped on health related matters. One of such numbers is that of the National Health Information Center: 1-800-336-4797

3. Getting your health insurance from the same insurer who provides your other insurance policies will get you a discount. it’s called a multi-policy discount.

Nevertheless, it may not serve your best interest to do this as you might be more profitable if you buy each policy from different insurers.

4. Say ‘No’ to smoking if you want more affordable health insurance. Smokers are more likely to die untimely and are also more likely to contract many harmful diseases.

It costs insurance companies a lot more to provide health insurance to smokers due to the bad risk they are to them. Once you stop smoking for up to 12 months inform your current insurer or reapply to some other insurer and you will experience a considerable drop in your premium.

5. There are people who may not qualify for special health insurance for low-income earners and at the same time unable to afford standard health insurance. If you are one of such, then you can save on health care by purchasing a discount medical card.

This type of card permits you to use a network of health care providers who have agreed to give services at more affordable rates to all card carriers. They are not normally given any health insurance company.

If you’ve been disqualified from regular health insurance due to a pre-existing condition or think your premium is too expensive then you can reduce your cost by making use of this type of card. No one is rejected for any reason. You only need to pay a monthly fee to qualify to use their network of doctors.

6. Visit a minimum of five insurance quotes sites. Visiting a minimum of five quotes sites raise the chances that you would obtain better health insurance quotes. This is because insurers not covered by one site would be covered by the other.

Moreover, you should understand that because your chances of receiving lower health insurance quotes is tied to the number of quotes you receive, the more companies you obtain quotes from, the higher your chances will be.

Buying Individual Health Insurance Tips

Heath insurance is a way to make sure you will not be caught empty-handed at times when you need to avail of health care services. In places such as the U.S., health insurance is very much needed, as people do not regularly keep large amounts of cash at hand for such situations. Individual insurance, unlike other insurances, is a separate type of insurance apart from what is insured by your company and cover health care services unlike other types of insurances that cover possible risk and losses for your car, home or other such sorts of possessions.

It is widespread knowledge that any type of insurance does not come cheap. And buying individual health care insurance is not exempt from that. You can find almost hundreds of companies that offer Individual health care insurance and at different rates and coverage. It is very important that you research and research well about the medical insurance you plan to avail of. The numbers concerning any type of insurance will have your head spinning, and much as it is simply called Individual insurance, there are many factors that concern such a type of insurance. Here are a few things to consider when buying individual health insurance to help with our research.

• Medical insurance has two important factors that you have to consider: HMO and PPO. One would ask, “What in the world is HMO and PPO, and how does this affect my choices in purchasing individual insurance?” HMO and PPO affect the doctor (or doctors if you are seeing multiple ones for any reason) that you are seeing. To put it simply, HMO locks you in to a certain primary health care provider, in this case, just one or two doctors depending on the type and contract that these doctors have. HMO requires a lot of paperwork, and would only be ideal if you prefer a certain doctor that happens to be signed up to an HMO. On the other hand, PPO lets you avail of the insurance from a wider range of doctors, and will not restrict you to seeing just one doctor. PPO is ideal if you anticipate that you will need emergency health care as opposed to needing constant follow ups. Considering these factors leads us to the next tip.

• Determine what type of health care you will generally require when buying individual health insurance. The type of health care you will need will also determine if your health care insurance will be more helpful rather than something you can barely use. Do you have a condition that requires regular visits to a doctor, procedures and laboratory tests?

• Know what your insurance will cover. This is the primary reason for buying individual health insurance in the first place. Getting health insurance is usually required when there is a service you need or believe you will need in the future that is not covered by your company’s health insurance. If you need routine blood tests or any special type of service, will the health insurance you are signing up for cover the charges for these?

Buying individual health insurance can be a great choice that would save you from a headache when you need health care. Doing research regarding the individual health insurance that is the right type for you will rid you of possible debt and save you some money in the long run.

4 Summer Pet Care Tips

Summer pet care tips can be very helpful when you want to take the vary best care of any pets you may have. Ideally, you will do some research into the type of pet you have and the proper way to care for it. However, some of the thing you may find interesting or have concerns about may include heat exhaustion, fun and exercise, insects such as mosquitoes, ticks and fleas as well as veterinarian care.

Heat Exhaustion

Heat exhaustion is very common in people and animals while the temperatures and weather are so very hot. This heat can cause dehydration and overheating. You must take some precautions to help ensure the best health of your pet. Some of the things you can do to make sure as best you can that your dog does not become dehydrated and or suffers from heat exhaustion is to make sure the animal has all the water it needs. Be sure to offer your animals enough to eat without overfeeding it, since overfeeding can and will eventually cause an animal to become overweight. Being overweight can cause overheating much more quickly during the summer than not.

Fun and Exercise

While considering exercise, try to limit the amount of time the animal might spend running. You can help ensure that your pet does not become overheated by walking exercises when you do them either early in the morning hours before it gets too hot. Walking and exercising your pet in the cooler evening hours around or after sunset is another great idea. Taking the dog swimming while the weather is hot is a great way to cool off and get a little exercise. Having ample shade available for your animals is another great idea since it will have protection from the hot UV rays of the sun.


Insects such as mosquitoes, ticks and fleas can cause uncomfortable and irritating problems for pets. Ticks and fleas carry diseases that can easily be transmitted to your animal. Mosquitoes pose the problem of infecting dogs with heart worms that can become fatal without proper treatment. Practicing insect control is a must; however, do make sure that any type of product you may use for mosquito, tick and flea control is nontoxic and recommendable for use with your particular type of pet.

Veterinarian Care

All responsible pet owners know and understand that to keep their pets in the best of health he or she will need proper veterinarian care. Always make sure that your pet is up to date with all its vaccinations. This will help ensure the health of your pets as well as anyone the pet may come in contact with as well as their pets. Your vet can offer you some excellent advice about summertime pet care. This may include information about the various vaccinations, prevention and care for heat exhaustion, hydration and overheating. He or she will also be helpful for choosing the best means of pest control and removal techniques as well as other safety and pet health care issues.

As a pet owner, you want the very best for your animal companions. Keeping these 4 summer pet care tips in mind, while practicing the best care you can offer your pets will provide them with a more comfortable, healthy and happy lifetime.