Affordable Medical Insurance In California -- Proven Tips For Massive Discounts

What can someone do to pay relatively little for sufficient California medical insurance? There are tips you must understand and implement if you're really keen on getting big discounts. Here are some of such things...

1. The pharmaceutical industry has big brand names. Drugs that have such brand names cost a lot more than comparable drugs and so raise your rate. But did you know that every generic drug has the same active agents as its big brand name version? The inactive agents are the only differences between generic drugs and brand names.

The truth remains that you only pay more when you buy an established brand name drug and do NOT get anything extra in value. However, make sure you ask a doctor you can truly trust about this before you make your final decision.

2. You'll get lower rates if you pay by Electronic Funds Transfer (EFT). This just means your insurance provider takes your premiums automatically from your account each month without mailing you payment notices. This reduces an insurer's overhead by eliminating the necessity of payment notices or checks. This is why this gets you more affordable premium.

3. The Consolidated Omnibus Budget Reconciliation Act of 1985 (COBRA) insurance is a good option for affordable coverage if you have a pre-existing illness that makes regular individual California medical insurance hard to get or too expensive.

4. Those who operate home businesses are given a unique way to save by certain states. This is because home based businesses get the same low rates that insurance providers offer their larger counterparts.

And all it takes for your home business to be eligible is just one employed worker.

You can have your spouse or grown up child to work as a member of staff. The interesting thing is that such an employee does not have to be full time for you to meet eligibility requirements.

Group rates are generally lower so do your best to take advantage of this if you are a home business owner.

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

5. There are things that you would do well not to see a doctor about as it only adds to your health care spend without any real benefit. For instance, your doctor can really do nothing for you if you have a cold or flu. There are easy steps you should take and if you go to the doctor you will pay and still be told the same things.

So is it wise to spend close to $100 to see a doctor when you already know that your condition would not be helped much? Other examples are minor cuts that just simple first aid will take care of.
Teach yourself little first aid procedures. There are many things that you can (and should) handle if you've taken the time to learn and also have a well-equiped first aid box.

But that said, it is better to err on the side of caution and see a doctor if you are not certain. And, for people who have some experience with first aid, remember your limits. There are cases you're not meant to even attempt if you're not a medical personnel. Just handle what you should treat on your own and avoid what you should not. You'll 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