BENEFIT OUTSTANDING CALIFORNIA HEALTH INSURANCE COVERAGE FOR MUCH LESS GET FREE QUOTES NOW
Tuesday, September 15, 2009
Affordable Medical Insurance In California -- Tips To Apply If You Want It
Do you want to enjoy adequate California medical insurance at very affordable rates? If you must get big discounts, then you must NOT fail to do certain things. I'll show you a good number of them here...
1. The pharmaceutical industry has big brand names. Drugs that have such brand names cost a lot more than comparable drugs and so increase your premium. Just in case you don't know, the law stipulates that every drug must have the same active ingredients irrespective of if they are brand name or generic. Where the differences begin and end are in their choice of inactive ingredients.
So by buying brand names you really aren't getting more value although you are paying a lot more. But make sure you ask a doctor you can really trust about this before you settle for any drug.
2. You'll attract cheaper rates if you make your payments by Electronic Funds Transfer (EFT). This simply means your insurance provider takes your premiums automatically from your account each month without sending you payment notices. This saves the insurance company in many ways including eliminating the cost of sending payment notices and the cost of processing checks. Your premium is therefore lowered to reflect the cheaper cost of providing insurance to you.
3. For folks who have a health condition that makes it difficult or too expensive for them to find private personal health care coverage, the Consolidated Omnibus Budget Reconciliation Act of 1985 (COBRA) insurance should offer a more affordable alternative.
4. You can make huge savings on health insurance in certain states if you own a home business. Those states require that insurance providers offer home based businesses the same rates with other (larger) businesses.
And all it requiries for your home business to qualify is just one employee.
You can have your spouse or older kid work as an employee. You'll still qualify for such group rates if such an employee works only part time.
Group rates are normally cheaper so ensure that you take advantage of this if you're a home business owner.
To check if you are eligible or even if your state has such offer, call your state's department of insurance, department of financial services or their equivalent.
5. Even though you're advised against self-medication, there are times when you should not visit a doctor. Clear example are viral infections like flu about which your doctor can't help. There are simple steps you should take and if you go to the doctor you will pay and still be given the same remedies.
So does it make sense to spend close to $100 to visit a doctor when you already know that your condition would not be helped much? Other examples are minor bruises that just simple first aid will take care of.
Learn simple first aid procedures. Learning a few simple procedures and having a well-stocked first aid box will help you save much on unnecessary visits to a doctor.
However, it is better to err on the side of caution and see a doctor if you're unsure. But, please, know your bounds and know that there are situations you must refer to a doctor even if you know what to do. You're not permitted by law to do some things unless you're a certified medical professional even if you know what to do. Handle what you should and let your doctor do those he/she should. You'll pay less on your California medical insurance without endangering yourself or yours if you do this.
Get your free california health insurance Now!
Lower your california health insurance rate Now and Save
Subscribe to:
Post Comments (Atom)
No comments:
Post a Comment