Cheap Medical Insurance In California -- Steps To Take If You Want It

Do you want to enjoy adequate California health insurance at very affordable rates? There are tips you must understand and apply if you're truly committed to getting big discounts. I'll show you some 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 raise your premium. For those who don't know, the law stipulates that all drugs must consist of the same active ingredients notwithstanding if they are brand name or generic. Where they can have any dissimilarity is in the inactive agents.

So by using brand names you truly aren't getting added value even though they cost a lot more. But make sure you ask a doctor you can truly trust about this before you settle for any drug.

2. Electronic Funds Transfer (abbreviated as EFT) is a smart way to reduce your rate. This just means your insurance provider withdraws your premiums automatically from your account each month without sending you payment notices. This saves an insurer's overhead by eliminating the need for payment notices or checks. Your insurer passes part of what they save to you by bringing down your premium.

3. For individuals who have a longtime ailment that makes it tough or too expensive for them to get private individual health insurance coverage, the Consolidated Omnibus Budget Reconciliation Act of 1985 (COBRA) insurance should give a cheaper option.

4. You can save much on health insurance in certain states if you own a home business. This is because home based businesses get the same cheap rates that insurance companies extend to their bigger counterparts.

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

Always remember that a member of your family who works with you in a home business is taken as a staff. Furthermore, you will still qualify if that single staff works only part time.

This alternative gives cheaper rates due to the fact that group rates are normally cheaper than rates for individuals.

You can find out home businesses that are eligible for group rates in your state by checking with 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 doing you any real good. Clear instances are viral infections like flu for which your doctor can't help. It is generally known that doctors can't do you much good if you have a viral infection.

So is it wise to spend nearly $100 in visiting a doctor when you already know that your condition would not be helped much? Other instances are small bruises that just simple first aid will take care of.
It is to your advantage to learn how to take care of simple home emergencies especially if you have kids. Knowing a few simple procedures and having a well-stocked first aid box will help you save much on unnecessary visits to a doctor.

But that said, it is better to err on the side of caution and see a doctor if you're not certain. And, even for those who do have some experience with first aid, don't forget your boundaries. The law forbids you to do certain things if you are not a certified medical doctor. Just handle what you should treat on your own and don't attempt what you shouldn't. This will reduce your visits to the doctor and, also, lower your rates.

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