Here’s something you should be aware of. You can save on your Hawaii health insurance rates by making use of phone med services. A phone med service works twenty four hours everyday and provides free medical advice. You have a minimum of a registered nurse with not less than 10 years experience on hand to offer free medical advice you can trust. Local clinics provide free medical help by phone in most cases. Although this is not an alternative to visiting a doctor, these can actually reduce your spend by reducing the number of times you see a doctor. The help they give could also help you take precautions that will prevent a serious health condition. Therefore, they are worth giving serious thought.