Tuesday, February 10, 2009

Arizona Medical Insurance -- Tips For Massive Savings

By Chimezirim Odimba

Anybody who makes use of time-tested tips will easily attract cheaper rates while maintaining adequate Arizona State medical insurance coverage. It's equally necessary that I stress that there are recommendations that might put you at risk even if they save you at the moment. If you are interested in advice that you can make use of to save much and still maintain adequate coverage, read the following...

1. Notwithstanding the fact that a good number of individuals know that smoking increases their rates, they may not know that this also applies if they use other tobacco products. Chewing or snuffing tobacco, for example will cost you in higher premium.

Staying clear of all tobacco products will attract more affordable Arizona State medical insurance.

2. A group plan is less expensive than an individual Arizona medical insurance plan. So take advantage of it if you have access to it.. This should be of particular interest to elderly people, smokers or obese individuals who typically attract expensive rates.

You will also make considerable savings with a group plan if you have to pay very high rates owing to a health condition. Therefore, taking advantage of a group plan is an easy to get adequate coverage at a cheap rate.

3. You'll spend less in health insurance if you if you get the right tips. You'll be able to take steps that will get you the best. Moreover, you will find it easier to get every benefit that you're qualified for if you have the right information.

There are toll-free numbers for you to call if you need help on health issues. One of such numbers is that of the National Health Information Center: 1-800-336-4797

4. Buying your prescriptions on the internet is a sure way to bring down your health care costs. You can also be given cheaper prices if you buy by phone. The internet lowers the cost of doing business and pharmaceutical companies or groups who sell their drugs online do so at lower rates. But if you choose to buy online do all within your power to find out a little about whom you're buying from because there are wolves online. Organizations like BBB can tell you if you if a company is trustworthy or not so do not fail to check. While we want to reduce our health care costs we also have to make sure we safeguard our health and our lives.

5. Electronic Funds Transfer (EFT) is an easy way to bring down your rate. This authorizes your insurer to automatically withdraw your payments from your account when due. This saves the insurance company in many ways including removing the cost of mailing payment notices and the cost associated with processing checks. Your insurer gives you part of what they save by offering you lower rates.

6. Visit a minimum of five insurance quotes sites. Visiting not less than five quotes sites increase the chances that you would get cheaper Arizona medical insurance quotes. This is because offers not represented by one site would be represented by the other.

Moreover, you know that since the likelihood of receiving lower health insurance quotes has to do with the range of quotes you get, the more companies you obtain quotes from, the better your chances will be.

Getting your health insurance quotes online will help you save far more if you sacrifice only 25 minutes to get quotes from not less than five sites.

About the Author:

No comments: