Women, as a group, get far better deals on auto and life insurance. But once it comes to health insurance, a woman will attract higher rates than a male counterpart. This article examines the reasons for this and offers tips to help women attract cheaper rates.

First, we’ll look at reasons for this…

If you grew up on a farm or have had experience with animal care, you’ll agree that the females usually have a greater need for health care all other things being equal. And it does make sense for the human race for the following reasons…

1. A woman menstrual circle affects her in various ways. How much toll it takes on the woman depends on each particular lady. But the fact that it involves the loss of blood means it does take its toll. Since this happens each month and since it sometimes comes with added issues for some women, they’ll definitely need more health care.

2. Pregnancy. We are NOT referring to the special care a woman needs when she’s pregnant we are referring to its toll on the woman’s health long after delivery. And, if you consider that a good number of women have several pregnancies in their life time, you’ll see it makes sense that their bodies require more health care attention.

Now, we must understand that insurance companies, like every other business out there, are out to make a profit.Even the naive understands that insurance is a business and this means they are expected to turn a profit.It will be necessary to remind ourselves that insurance companies aren’t charities. They are there to make some profits (Anyone who misses this point won’t understand a lot of things that happen in the insurance sector).

To ensure they turn a profit, they have found a way of discovering how risky it is for them to give insurance to a particular group of people (referred to as a profile).

Let’s assume that statistics available to an insurer shows that they there will be an average of $20,000 in claims from 500 policy holders within a particular profile on an annual basis. Such data will help them know that anything from, say, $80 per policy holder will still turn them a profit after meeting their obligation. Although this is a simplistic explanation, it does show that once a profile is statistically proven to make a higher amount of claims, they’ll get higher rates.

Statistics show that, on the average, a woman will make more claims (and make claims of higher amounts) than a man. Therefore, all insurers can do to both meet their obligation and make a profit is charge women a higher rate.

But thankfully, there are several steps a woman can take to qualify for cheaper rates. Top among the many things you have to do are the following…

1. You must desist from smoking or using tobacco in its various forms. Also, quit alcohol.

2. Don’t get involved with dangerous sports like cliff-hanging.

3. Quit jobs that expose you to hazards.

4. Get in shape. Apart from the fact that you’ll look better, your rates will also be more manageable.

5. Exercise regularly.

6. You are NOT totally healthy if you stay unhappy. Ask your doctor and you’ll discover that allowing yourself to drift into a negative state can cause serious health conditions.

7. Obtain and evaluate quotes from a wide range of health insurance providers. Different providers have unique loss and claims histories. They also have a wide selection of plans.

Don’t forget that the US has as many as 13,000 health plans. This many options mean that it’s easy to save and also easy to lose money. Some will bill you more; some less.

Will you be able to get a cheap plan that offers adequate coverage? It depends on how many quotes you get and how thoroughly you compare them.

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Anybody who makes use of proven tips will easily attract cheaper rates while maintaining sufficient coverage It is also necessary that I point out that there are recommendations that might put you at risk even if they help you make savings for now. If you need tips that you can use to save much and still enjoy adequate coverage, read the following…

*That excess weight will make you spend more in health insurance. Your BMI or Body Mass Index is a very important factor used to calculate your risk to a health insurance carrier.

A high BMI will always result in a high rate all other things being equal. The more overweight you are for your height and sex the higher your BMI rating will be. Do your best to shed excess weight as losing even a few pounds could put you in another Body Mass Index rating and result in cheaper premiums.

*For those who have a pre-existing condition that makes it tough or costlier for them to get private individual health insurance, the Consolidated Omnibus Budget Reconciliation Act of 1985 (COBRA) insurance should offer a cheaper option.

*Making use of emergi-centers or no-appointment ambulatory care centers will help you reduce your rates. This is especially correct if you are generally healthy and find it tough to pay for traditional health insurance. These centers are cheaper than an emergency room in a hospital. And, because they’re beginning to become available in larger communities, you can easily get them.

*Being on one policy could save you a lot and you should take advantage of it if you’re married. You have to go through your options though to ascertain which gives you more savings.

This is because sometimes it will save you more to be on separate plans and in other situations you’ll save more by being on the same plan.

*Go for catastrophic health insurance rather than the traditional policy if you rarely fall take ill and you’ll get cheaper rates. This kind of policy takes care of you if you suddenly fall sick or get involved in an accident.

The most outstanding advantage of this policy is in cases where sudden diseases or accidents create huge bills that could at best be called catastrophic. They come at very inexpensive rates.

Nevertheless, bear in mind that the deductibles are as high as $2,000. Notwithstanding, you’ll be glad to contribute that little if your medical bills run up to $50,000 which is where this plan really excels.

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There are many options open to you if you are shopping for health insurance. Some will save you a lot of cash with a few compromises while others will cost you a lot with a lot of added value. Which you choose will depend on your health care needs and the size of your purse. Here are options in summary…

Every health plan out there is usually a type of one of the following: Traditional health insurance and managed care coverage…

Traditional health insurance: This is insurance in its purest form. You have the full right to choose whichever health care professional or facility you prefer. You get treatment from the doctor you prefer. It’s entirely up to you to decide which hospital or other health care facility you want to use. Under this arrangement, you might have to pay your bills and then submit your bills to your insurer for reimbursement. On the other hand, the health care provider could also submit the bills directly to your insurer and await payment.

For those who like being in total control of who takes care of their health matters and where such care is given, traditional health insurance remains the best choice. However, it’s also important to point out that it’s usually much more expensive than other plans.

Managed Care Coverage: There are many plans that come under this heading. For all their differences, some features are shared commonly by all of them: They are usually a combination of health care service delivery and financing. They all also restrict you to selection of health care providers that form their network. But for all that, you get to spend far less for good coverage.

Following are the various forms of managed care plans…

1. HMO or Health Maintenance Organizations have health care providers that are contracted to them. Access to the network of providers within an HMO is then possible once you pay a certain amount monthly. Things like prescription drugs, visiting a doctor of emergency room visits attract what’s known as copayment. Members must use only providers contracted by their HMO.

2. PPO or Preferred Provider OrganizationIf a regular insurance company signs a contract with a network of health care providers in order to reduce cost to its members, then you have a PPO. Insurers get the advantage of deliver better value to their customers while doctors in the organization get many more patients and prompt payments.

Members choose the health care provider they prefer. However, they’ll usually pay more if such a provider is NOT in contract with the PPO.

3. EPO or Exclusive Provider Organization: Like is the case with a PPO, in this arrangement too an tradition health insurance provider is in contract with a network of health care providers. The difference between the two is that a member of an EPO does NOT have the freedom to use a health care provider outside the network.

4. POS or Point Of Service Plans. policy holders are free to choose to receive health care from the network’s health care providers or outside at the point of service (hence the name). However, they must pay deductibles and coinsurance cost whenever they go outside the network. Furthermore, they get less coverage if they go outside the network.

If you want to be sure you get the best both in price and value, then you’d have to take some time out to get quotes and compare plans.

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