Cheap Health Insurance In California -- Try These Tips If You Want To Spend Less

Do you want to get superior California health insurance at dirt cheap rates? There are things you must understand and implement if you're really committed to getting big discounts. Here are a few of such things...

1. There are popular name brands in the pharmaceutical industry. Drugs that have such brand names are more expensive than comparable drugs and so raise your premium. But did you know that every generic drug has the same active agents as its big brand name version? Where they can have any difference is in the inactive agents.

So by using brand names you truly aren't enjoying more value in spite of the fact that you are paying a lot more. Nevertheless, consult your doctor before making this decision.

2. An easy but smart way of bringing down your rate is by authorizing an EFT (Electronic Funds Transfer). This authorizes your insurance company to automatically withdraw your premiums from your account when due. This eliminates administrative overheads like those incurred when sending payment notices. Your premium is therefore reduced in line with the cheaper cost of providing insurance to you.

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

4. Those who operate home businesses are provided with a special opportunity to pay less by some states. This is because home based businesses get the same low rates that insurance providers offer their bigger counterparts.

In other states a home business is eligible for a group rate the day it has one employee.

The good part is that the employee could be your wife or your older child who works with you. You will 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 know if you qualify or even if your state has such a provision, call your state's department of insurance, department of financial services or their equivalent.

5. There are cases for which you really should not visit a doctor. Take, for example, a viral infection like flu. A visit to your doctor will change nothing about your health if you understand the right right steps to take. Your doctor will probably do things you should have done on your own at home in a situation like that.

There's no way you can justify spending $100 for something you should have done on your own. This is also true of simple first aid treatment.
It is to your advantage to know how to take care of simple home emergencies especially if you have kids. There are many things that you can (and should) take care of if you have invested the time to learn and also have a well-stocked first aid box.

However, if you don't know what to do, go ahead see a doctor. And an advice to those who may think they have learnt so much (while they are not trained medical personnels) know what you should not even attempt except there is no way to get to a doctor on time. There are cases you're not supposed to even attempt if you are not a medical professional. Just handle what you should treat on your own and don't attempt what you should not. You will spend less on your California medical insurance without endangering yourself or yours if you do this.

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