ACCRA [url=http://www.teamnhlbruinsshop.com/Bruins-Brandon-Carlo-Adidas-Jersey/]Brandon Carlo Jersey[/url] , Nov. 25 (Xinhua) -- Former Chelsea manager Avram Grant will officially sign a come the new Ghana coach, the country's football federation (GFA) said on Wednesday.

According to the GFA, "governmental agreement" was needed before the deal could be finalized to let the Israeli succeed the sacked Kwesi Appiah.

Grant took over from Jose Mourinho as Chelsea manager when the Portuguese was sacked in September 2007. But his time at Stamford Bridge was short-lived and his contract was terminated at the end of the season, despite guiding the Blues to the runners-up spot in the Champions League and Premier League.

A study proves that less than two out of every ten Americans have health insurance coverage of any class. This information can be relieable because it was released from the U.S Census Bureau. It is necessary to point out that group health plans are the reason why the majority of these few who have health insurance can pay for it.

This, however, may soon history as many businesses might soon exclude group health insurance from their employment allowance since they are becoming quite a strain on their businesses. Health care cost is rising and a few of them can really remain profitable with such additional financial strain.

So, if most of those who are still enjoying group health plans are to continiously have health insurance, then they’d have to look for individual health insurance plans. The benefits, therefore, of knowing how to get cheaper health insurance rates cannot be stressed enough. I will teach a number of ways that will help you lower your health insurance rates…

Smoking will always attract very high rates. It’s not disputable that smoking is the leading cause of cancer and other deadly diseases.

This raises their risk to a health insurance carrier and therefore raises their rates dramatically. It’s within your power to quit smoking and then re-apply after 12 months if your desire is to see your rates brought low by up to fifty percent.

People with excess weight attract far higher rates than individuals with normal weights. There’s something called Body Mass Index (BMI) which is used to calculate a prospect’s premium.

The higher an individual’s BMI rating, the higher their premium will be. If your Body Mass Index rating is high it simply means that your weight is too much for your height. Do your best to shed excess weight because losing as little as a few pounds could put you in another BMI rating and result in cheaper rates.

Despite the fact that many people are aware that smoking increases their rates, they may not know that the same is also true if they use other tobacco products. For example, you will pay a higher rate if you chew or snuff tobacco.

Steering clear of all tobacco products will help you get cheaper health insurance.

Paying your premium once a year will attract cheaper rates than opting for monthly payments. You might be sold that paying monthly is convenient but what you’re not told is how much extra you pay for this.

Every check that is processed attracts a fee. While a yearly payment attracts a single check and therefore one transaction every year, monthly payments attract twelve. You’ll then have to pay the total of 12 transaction charges.

Apart from this, there are also administrative costs that come with the monthly payment option. For instance, it costs insurers millions of dollars yearly to mail payment notices.

These and more are then included in your premium thus making it higher than if you paid every year.

People who decide to participate in dangerous sports certainly have rates that are costly. If you truly need to reduce your premium then switch to non-life-threatening sports.

A poor driving history can make you pay higher health insurance rates. If you have many speeding tickets or a history of street racing you will pay much more. This is because you’ll make yourself a bigger risk to your insurer.

Hence, driving better doesn’t only save you much in your auto insurance, it also gives you cheap rates in health insurance. Super-fast automobiles like sports cars and power bikes will make you pay a more expensive health insurance rate. This is because they will more easily make you need medical attention because they have a higher risk of accidents.

People whose vocations expose to hazards pay higher premiums. You’ll pay lower premiums if you quit a hazardous line of duty for something safe. A person who works in a nuclear plant can’t attract the same rates with an a salesperson in the local supermarket.

The amount you’re willing to contribute to payments for each time you see the doctor has a bearing on your rate. This is known as your co-pay. Your premium will be less expensive if you choose a higher co-pay. If you hardly ever go to see a doctor, you may lower your rate considerable by opting for a high co-pay.

Group plans are cheaper than individual plans. So take advantage of it if you have access to it.. This statement is even more so if you’re overweight, a smoker or older.

This is also true of persons who have pre-existing medical conditions that attract very high rates. Give a group plan careful thought if you really want lower premium.

While shopping for affordable health insurance make sure that you don’t get carried away by just the cheapest rate. What you should be after isn’t necessarily the cheapest quote but the quote that offers the best price to value ratio. You can get very cheap rates that offer you the value you are after if you do your shopping right. Howbeit, if you need to pay little more for the right coverage, then do just that.

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