| Is it possible to get cheaper health insurance if you | | | | about this. |
| decide to keep your favorite doctor? The answer is | | | | As you do the above, also take advantage of free |
| "Yes" provided you take some tested steps. So let's | | | | clinics if you want to reduce your rate. Such free clinics |
| take a look at them... | | | | will take care of simple things like giving you medical |
| First you need to bear in mind that to keep the doctor | | | | advice, blood pressure checks etc. These clinics could |
| of your choice you need traditional health insurance | | | | be operated by a community or as a form of |
| (Indemnity health insurance plans). Others won't simply | | | | community service by an organization. |
| give you that flexibility. This plan is more expensive | | | | Don't forget that it pays to check through your policy |
| than others but you can reduce your rates by | | | | at least once a year or as often as you think changes |
| considering the following... | | | | have occurred in your health or that of a member of |
| 1. Quit any hazardous job. | | | | your family. Although you may not really save anything |
| 2. Make sure your BMI (Body Mass Index) is just right. | | | | by doing this, you'll ensure you have enough coverage |
| Lose weight if you're overweight. | | | | this way. While doing this regular check you can also |
| 3. Don't file claims for minor issues. Handle them | | | | find out you have coverage you no longer need. |
| yourself. | | | | You'll then lower your rate by dropping such unrequired |
| 4. Quit dangerous recreational activities like sky-diving | | | | coverage. A good case is a family health insurance |
| 5. Quit smoking. | | | | policy that still covers your wedded daughter who is |
| The above are generally known steps to reducing | | | | now on another policy with her husband. It may only |
| your risk factor and, therefore, your health insurance | | | | come to your notice when you get your yearly |
| rates. But let's look at those that are NOT well-known... | | | | payment notice. And you could be so happy with the |
| The pharmaceutical industry has big brand names. If | | | | fact that your child is now in college or married that the |
| you buy name brand drugs, your rates will be more. | | | | last thing you'll even consider is which insurance |
| But did you know that every generic drug has the | | | | coverage you have to drop. |
| same active ingredients as its big brand name | | | | Finally... |
| counterpart? Where they are free to have any | | | | Get and compare health insurance quotes from a |
| variation is in the inactive ingredients. | | | | wide range of insurers. The more thoroughly you |
| This simply suggests that what you receive in brand | | | | comparison shop, the more you'll likely save. Therefore, |
| name drugs is also what you get from generic drugs | | | | compare quotes from at least five reputable quotes |
| of the same specification. Discuss with your doctor | | | | sites. |