Affordable Health Insurance In California -- Time-Tested Tips For Big Discounts

Do you want to enjoy superior California health insurance for a lot less? There are suggestions you must take note of and apply if you're truly serious about getting considerable discounts. Here are a few of such things...

1. There are drugs that are big brand names. You'll increase your costs if you buy big brand name drugs. But are you aware that every generic drug has the same active ingredients as its big brand name version? Where the dissimilarities begin and end are in their selection of inactive ingredients.

So by buying brand names you really aren't enjoying more value although they cost a lot more. Nevertheless, discuss this with your doctor before taking this decision.

2. Electronic Funds Transfer, known as EFT is an easy way to bring down your rate. By doing this you authorize an insurer to automatically withdraw your payments from your account at specified intervals. This removes administrative overheads like those incurred when mailing payment notices. The insurer gives you part of what they save by offering you lower rates.

3. The Consolidated Omnibus Budget Reconciliation Act of 1985 (COBRA) insurance is a good option for cheap coverage if you have a pre-existing illness that makes standard individual California medical insurance difficult or more costly.

4. Several states provide home business owners a chance to lower their cost. This is because home based businesses enjoy the same low rates that insurers extend to their larger counterparts.

Having just a staff makes a home business eligible for such cheap rates in several states.

You can have your spouse or grown up child to work as an employee. You will still qualify for such group rates if such an employee works just part time.

Group rates are usually lower so ensure that you take advantage of this if you're a home business owner.

You can find out home businesses that are qualified for group rates in your state by checking with your state's department of insurance or its equivalent.

5. There are cases for which you really shouldn't visit a doctor. For instance, your doctor can really do nothing for someone who has a cold or flu. There are simple steps you should apply and if you go to the doctor you will pay and still be given the same remedies.

There's no way you can justify spending $100 for something you should have handled by yourself. This also applies to simple first aid treatment.
If you don't know these little things take out time to read books on them especially if you have little children. Most of those emergencies would be well taken care of if you spend time learning a little about first aid and also have a good first aid box.

But even in those situations if you are not certain of what to do go and see a doctor because it's better to lose money than to endanger your life. And, for people who have some experience with first aid, know your boundaries. There are things you are not supposed to even attempt if you're not a medical personnel. Just know what you should treat on your own and avoid what you shouldn't. You will spend less on your California medical insurance without endangering anyone if you do this.

Get your free california health insurance Now!
Lower your california health insurance rate Now and Save