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Wednesday, October 28, 2009

Affordable California Health Insurance -- Tips To Help You Get It


A cheap rate can be achieved in many ways. Nevertheless, a number of them might put you at risk. However, in this article, I'll show you a few proven tips for paying less and at the same time maintain sufficient coverage....

1. Your co-pay can be costlier than your drug cost in few cases. There are also situations where it will cost you less if you do not use your insurance but buy a prescription out of your own pocket. Know which is applicable in each situation and do what saves you more.

Check and compare before you use your insurance.

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2. A healthy routine will get you cheaper rates. For instance, your rate will be lower with time if you stop taking junk food. Removing fats, cholesterol and high carb from your diet makes it easier for you to keep up the right weight, live a healthier life and, as a consequence, get cheaper rates.

You'll also help your health and rate by committing to routine exercise.

3. In the majority of cases, your regular medical check ups would not cost you anything extra since your California health insurance plan would likely have up to two complimentary medical check ups for you annually.

In case you want to know why this results in more affordable rates, here it is...

Since diseases are spotted at their mild stages by doing such check ups, they are more easily nipped in the bud without much expense. It is cheaper for your insurer to do this than to treat health conditions when they are malignant..

Therefore, they give you lower rates for reducing the cost for your treatment.

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4. You can reduce your rates by staying away from alcoholic beverages. Taking alcoholic beverages makes you a bad risk and so gets you higher rates.

Drinking is the root cause of a good number of health conditions and that is apart from the fact that it definitely will increase your risk to California health insurance providers.

What quantity of alcohol would be harmful to you as a person? I can't really say as there are people who can drink a bottle and still be okay while some will drink just half a glass and then go bersek.

What I'm sure of is the fact that avoiding alcohol use is would help a lot. So you can lower your rates (Apart from reducing the probability of developing certain health conditions) by staying away from alcohol if you can or drinking in real moderation if you can't.

The only problem is that people who say they can't quit drinking most often can't drink in moderation. There are organizations that are out to help heavy drinkers to stay away from drinking. Simply ask about them.

5. Although this may not be an issue for most people it should be mentioned...

The use of illegal drugs will raise your rate. Misusing drugs as well will make you pay much more in California health insurance. Along these lines, steer clear self-medication for both its grave implications and the fact that it will increase your rates.

6. You can lower your costs by registering with an HMO. They are a more affordable alternative than traditional California health insurance. However, joining an HMO means you are restricted to the use of only doctors, other medical professionals and hospitals that are approved by the organization.

For individuals who want limitless choices in who and where to get health care, a traditional California health insurance plan is still your best bet.

You will pay cheaper rates for traditional California health insurance if you shop extensively. That's how you'd be able to get lower rates for regular California health insurance.

However, if you are willing to take its limited choices, you will pay cheaper rates with an HMO.

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7. You'll spend less on California health insurance if you join a PPO or Preferred Provider Organization. But unlike an HMO, it offers you more options and understandably it is as well normally less affordable.

You can check your needs and what your profit would be for either joining a PPO or traditional California health insurance. If saving is the priority, you'll almost always make more savings by making use of a PPO instead of getting traditional California health insurance.
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