How to Get the Best Rates on Health Insurance in South Carolina

 Health insurance is one of the hottest topics around. It seems everyone is talking about health insurance...but no one is doing very much about it.

Until the situation changes, it will be up to each individual here in South Carolina to find ways of controlling the cost of their health insurance themselves. Fortunately, there are several things you can do that should help keep costs in line.

If you are truly sincere about finding the best rates on health insurance then you cannot smoke or use any tobacco products, including chew. If you purchased a health policy at a time when you were a smoker but have since quit, be sure that your agent is informed of this change as it should drastically reduce your monthly health insurance payment.

Being overweight also affects how much you pay for health insurance. Your BMI (Body Mass Index) helps determine how much you pay every month. On the plus side, even if you can only shed a few pounds it just might drop you into a lower BMI category and if that happens you could save money each and every month. Every pound counts!

Participating in extreme sports and/or dangerous hobbies will also increase your monthly health insurance premium. Driving a hot sports car or muscle car will also increase your monthly premium.

Ask around at any clubs, organizations, or associations you belong to and see if they offer low-cost group health insurance. Even religious organizations are getting into the act, so be sure to check everywhere.

Joining an HMO or a PPO can save you a bundle in health insurance. However, especially when it comes to HMOs you must see an approved plan doctor to get any discount on your medical care, and that might mean that you will not be able to see your long-time doctor any longer. Ask your doctor if he or she is a member of an HMO.


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