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You can get more affordable health insurance rates with a few time-tested tips. I'll share a good number in this article. But note that they'll do you NO go unless you apply them. Here they are...

1. A group plan is usually cheaper than an individual health insurance plan. Take advantage of it if you're in a position that offers you the option of using a group plan as it typically implies that you'll pay lower rates. This should be of special interest to elderly individuals, smokers or overweight individuals who usually attract high quotes.

You will also get some respite in a group plan if you attract very high health insurance rates owing to a pre-existing medical condition. Give a group plan careful consideration if you really want cheaper rates.

2. There are individuals who may not qualify for special health insurance for low-income earners and at the same time don't really earn enough to easily pay for regular health insurance. A discount medical card is a cheaper alternative for such people.

With this special kind of card you are given medical attention from a network of doctors who have agreed to render services to card carriers at more affordable rates. These cards aren't given by any health insurance company.

If you've been disqualified from traditional health insurance because of your medical history or think your premium is too expensive then you can reduce your spend by making use of this type of card. There are no exclusions for any reason. You just have to pay a monthly fee to qualify to use their network of doctors.

3. Staying loyal to one insurance company for any considerable length of time will actually lead to savings. You'll get discounts of up to 5 percent on your health insurance if you remain with the same insurance company for up to three years. Staying longer will attract more discounts.

However even though it's a decent way to save, you may get more savings if you ignore a loyalty discount and go over to another insurance company..

Let's say, for example, that you will get a 5% (or $125) discount after your third year with an insurer where you present premium is $2,500.

But because of the high cost of health care and inflation, insurers may have to re-adjust their rates to show those changes. Between these three years you would most likely get an insurance provider who'll give you comparable coverage or better for under $2,000. Then it won't be wise to stay put because you want to become eligible for a discount down the road even if the expected discount is less than savings you'll get now if you change to another insurer.

But believe it or not, most people can pay far less with another insurance company if they'll only take the time to shop properly.. Since the process of getting and comparing quotes involves just minutes, I'll wonder why you will not do that instantly and get cheaper rates immediately.

4. You will lower your rates by a huge margin if you spend time on shopping right.. And, suggestions from reliable acquaintances can help you get affordable rates.

Doing this helps you avoid going to just the insurer with the best media presence but to the provider that offers the best price/value. An acquaintance is more likely to tell you if they had an unpleasant experience with a provider.

If you inquire from your friends and acquaintances you'll hardly fall into the wrong hands.

5. Knowledge, they say, is power. Knowing what's in your best interest helps you make better decisions. Furthermore, you will also be in a position to take advantage of opportunities as they emerge.

There are toll-free numbers for you to call if you need advice on health matters. .Call the National Health Information Center at 1-800-336-4797 to if you need advice on health matters.

6. You might save several hundreds of dollars by just obtaining and comparing quotes from not less than five insurance quotes sites. And, it will require only about 25 minutes on the whole.

Here are great pages for health insurance quotes...

InsureMe Health Insurance Quotes

Health Insurance Quotes

Chimezirim Odimba writes on insurance.

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Everyone should have some type of insurance no matter no matter what your salary. Insurance is used to reimburse for a loss that occurs or protects against loss or harm to something or someone. There are several types of insurance available: life, health, dental, home, auto, fire, flood, credit card insurance, disability (short term and long term), and many more. The basic types of life insurance everyone should have are: health, life and disability. All three actually work together. Health insurance is needed if you ever develop a health condition or need to go to the emergency room. Disability insurance is used if you have a short-term or long-term medical condition that prevents you from working and ensures that you still continue to receive a paycheck (usually at least 60% of your salary). Life insurance is used in the event a family member dies. Having at least these three may affect your pocketbook now, but will cause you less headache and expenses in the future.

According to the National Health Care Coalition, nearly 46 million Americans are uninsured. A study by Harvard University researchers found that 50 percent of all bankruptcy filings were partially the result of medical expenses. Since 2000, employment health insurance premiums have increased 73 percent.

I had surgery in May 2006. I stayed in the hospital overnight. I was checked into my room at 7:00 pm and was released at 12:00 noon the following day. I received some basic medication and had staff assist me. The total bill for less than 24 hours was $12,000. This did not include the cost of surgery. The total bill was $20,000, luckily I had health insurance and only had to pay $5.

Many people go into debt and have bad credit due to medical bills from lack of having some type of insurance. When buying insurance it is best to comparison shop. You can also go to the Better Business Bureau's website at www.bbb.org to search for companies and view their reliability report. A few good websites you can use to comparison shop for insurance are www.bankrate.com and www.progressive.com (for auto insurance). If your employer does not provide health insurance , life or disability insurance you can purchase insurance on your own. Go to ushealthcare.port5.com or www.healthinsurance.org (for selected states) to find information on affordable insurance. If you need insurance for your children visit www.insurekidsnow.gov. They also offer accident and critical illness insurance. For information on affordable disability insurance visit www.about-disability-insurance.com or www.assurity.com. If you really cannot afford to purchase insurance make sure you get enough rest, eat well and exercise. Try to get a part-time job to pay for the insurance.

If you are able to purchase additional types of insurance some as home owner's insurance, auto or fire insurance, it is best to purchase bundled packages or insurance several types of the same item with the same company (such as insuring multiple cars with the same company). Many companies give you a discount if you purchase multiple products but you have to ask for it. For example, I purchased my home and auto insurance with the same company and saved about 15% of the total cost versus buying home owner's insurance with one company and auto insurance with another company. Purchasing bundled packages or multi-line policies can result in a savings of 1 to 25% depending on the company.

As my grandmother used to always say, "it is better to be safe, than sorry". At the very least try to purchase health insurance for yourself and your family.

For more information and resources on insurance visit

www.ahrq.gov/consumer/insuranc.htm#head10, www.healthinsuranceinfo.net, www.prweb.com/releases/2006/9/prweb435162.htm, ask.hrsa.gov/pc, www.cms.hhs.gov/home/medicaid.asp (Medicare and Medicaid), https://perfdata.hrsa.gov/mchb/mchreports/Search/search.asp (maternal bureau information), www.life-line.org (click on glossary to get common insurance definitions), www.travelers.com (auto, home, rental insurance).

Harrine Freeman is the CEO of H.E. Freeman Enterprises, a credit repair and money management services company. She is a member of the American Association of Daily Money Managers. She is a credit repair expert and the author of, "How to Get Out of Debt: Get an "A" Credit Rating for Free Using the System Ive Used Successfully with Thousands of Clients. For more information on how to get out of debt or to buy my book please visit http://www.hefreemanenterprises.com She can be reached at hfreeman@hefreemanenterprises.com

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Look around you: what do you see? A computer will certainly be there; perhaps a television, some ornaments, a stereo system or a priceless antique? Now imagine they were all gone - how much would it cost to replace them?

It's a thought few of us wish to contemplate - the idea that a break-in, flooding or gale force winds could wipe out all of our home contents. However, that doesn't mean we shouldn't come prepared with a suitable home insurance policy.

Remarkably, some 4.7 million adults across the UK have no home contents insurance at all, according to research. Those living in London, which has some notorious crime hotspots, are particularly at risk with around 22 per cent of adults in the area opting to go without contents insurance.

By contrast, it's homeowners in Yorkshire and Humberside who can breathe easily about the threat of accidental damage or theft - around 96 per cent of people in these areas have home contents insurance.

Home contents insurance needn't be expensive. All you need to do is make an assessment of the value of the contents in your home and then shop around with a home insurance comparison website to find the cheapest quote that offers the level of cover you require.

If you're worried about the costs then search for a policy that allows you to pay monthly without any additional charges - there are also several home insurance companies that offer discounts to new customers and people that shop online.

In fact there are many simple steps to reduce home insurance premiums - enhancing the security of your home, for example, can offer peace of mind and earn premium discounts.

Finding a cheap home insurance deal isn't difficult so there's no excuse not to have a home insurance policy that protects your most important possessions.

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Minerals are essential for your health and nutrition. Minerals are need for the proper composition of body fluids, the formation of blood and bones, maintaining healthy nerve function, and minerals also function as coenzymes, which enable the body to build and feed cells.They are also partly responsible for your energy levels.

There are two ways for your body to get the essential minerals it needs. The best way for your body to get the minerals it needs is through food, but some people prefer supplements because of the difficulty associated with following a strict diet.

If you decide to take supplements, however, make sure they are of the highest quality and are independently regulated and tested. Most supplements are poorly made and are never broken down within your body.

Listed below are the food sources of the essential minerals your body needs on a daily basis to stay healthy:

* Copper---Soy beans, raisins, legumes, brazil nuts, molasses, and seafood
* Iron---Figs, beets, kelp, soy beans, carrots, cucumbers, sunflower seeds, watercress, raisins, bananas, grapes, and parsley
* Calcium---Figs, beans, almonds, raisins, brown rice, carrots, dates, spinach, cashews, papaya, celery, avocados, sesame seeds, brazil nuts, and garlic
* Chromium--- Clams, whole grains, brewers yeast, corn oil, and cheese
* Iodine---Dulce, lettuce, kelp, grapes, Irish moss, beets, oranges, celery, and mushrooms
* Potassium---Apples, tomatoes, spinach, bananas, strawberries, celery, mushrooms, figs, lemons, pineapple, rice, papaya, cucumbers, Brussels sprouts, pecans, and raisins
* Zinc---Liver, seafood, mushrooms, sunflower, and soy beans
* Sulphur---Eggs, cheese, nuts, onions, turnips, corn, broccoli, fish, wheat germ, and cucumbers
* Manganese---Bananas, beets, celery, egg yolks, walnuts, bran, whole grains, and leafy green vegetables
* Magnesium---Honey, tuna, almonds, pecans, kelp, and green vegetables
* Phosphorus---Cashews, oats, pecans, squash, almonds, carrots, and mushrooms
* Sodium---Raw milk, cucumbers, okra, seafood, lima beans, turnips, wheat germ, and pumpkins

If you have a hard time eating a lot of the foods above, try taking supplements, but remember that you need to be careful and do your research first. Make sure that it is a reputable health company with a proven track record of success. They should have nothing to hide and should be able to provide you with all of the technical information, ingredients, research, and the results of the independent research for every product they sell.

Natural health is becoming a popular and ever growing industry. It is good that more people are becoming pro-active about their health., but you need to watch out for companies who are providing poor quality natural products to make a quick buck in the natural health trend. There are a lot of them. Good natural health companies have been around for more than thirty years--before natural health was ever a cash machine.

A good natural health company should also have clinical studies published in scientific journals. In order to get published in one of these journals, the scientific community as a whole must agree with the findings in the study. It is very difficult to get published and only a few natural health companies have ever done so. Last but not least they should offer you a money back guarantee, just in case their products aren't for you.

Please try and implement as many of the foods listed above into your diet as possible. They are loaded with the essential minerals your body needs for its health. Do your research and find some unique, healthy recipes that include the foods and minerals above. Good luck on your journey towards health and wellness!

Brue M. Baker, is an expert on natural health and fitness who has helped people from across the world sky-rocket their health and well-being. Rather than hitting your head against a wall trying to find unbiased health information let Brue take you by the hand and give you the best natural health information and resources on the web. Visit DietHealthAndFitness.com to learn more.

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Basic medical coverage is covered by most health insurance plans, but the factors that count are the details involved. Price may be the principal bone of contention that guides your decision for purchasing a particular health insurance plan. But a low cost insurance plan might not necessarily be the best that is available. Apart from being affordable, a health insurance policy needs to give protection to a wide range of possible medical complications. Otherwise, times of need, you may not be able to derive much benefit from your existing policy. While you embark on a search for an affordable health insurance plan, find out whether it covers the following:

- Physical examinations and health screenings

- Care by experts in the medical field

- Hospitalization and care in times of emergencies covered

- Cost of Prescription medicines

- Eye check-up and surgery

- Dental care

- Psychoanalysis and care for mental health this would be an added benefit and might be necessary in todays stressful lifestyle

- Gynecological treatments

- Pre-existing conditions and care for chronic ailments or disabilities

- Alternative healthcare

Try to inquire whether preventive care, like vaccination for children, are provided, which physical screenings are given, for instance Pap smear for women and the like.

A number of federal bureaus evaluate and sanction health insurance plans and the companies that provide such plans. You may consider contacting these organizations to detect whether the plan you are planning to purchase is accredited.

Another option that you have is to inquire about how the company endures provision of good medical care. Learn whether the insurance provider look into the credentials of the medical practitioner before they are added to the insurance scheme. Find out what measures the insurance providers take to ensure that they give out the very best services.

Several magazines publish articles that provide ratings on health plans. Keep browsing through such magazines to find out how the different companies and the health insurance plan they proffer fare. Talk to some current holder of the health insurance policy and learn from their experiences with the company.

Do not settle for an ordinary, less than perfect plan just because it is affordable. A number of options are available in the market, shop around and you are sure to find a good quality insurance program that has a low cost as well.

Want to learn more about Affordable Health Insurance Plan?, feel free to visit us at: http://www.health-insurance-land.info

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