Steps To Affordable California Health Insurance

Although you can pay less by reducing your coverage, it is not recommended if it compromises you and yours. You can, nevertheless, still pay a lot less without compromise to the scope of your coverage if you know and apply the right tips. Following are tips that are good for you...

1. Lines of duty that are regarded as hazardous get more expensive quotes. Changing over to a non-hazardous occupation will reduce your rate by a considerable margin. An individual who works in a nuclear plant can't expect similar rates with a clerk in the neighborhood bookshop.

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2. How much do you want to contribute to payments for your visits to a doctor? This is known as your co-pay. Raising your co-pay lowers your premium. You're seriously encouraged to select a high co-pay if you see the doctor only once in a very long period.

3. Although this may not be an issue for most folks it should be said...

Apart from the fact that you're putting your life at risk, using banned or yet-to-be-approved drugs will increase you rates. And even if the use of certain drugs is NOT illegal, abusing them will as well make you attract higher rates. Furthermore, stay away from self-medication for both its dire hazards and the fact that it will increase your rates.

4. Some persons are not poor enough to qualify for plans for the low income earner and as well have financial challenges that make standard California health insurance unaffordable. If you are one of such, then you can save on health care by getting a discount medical card. So what is it?

This type of card permits you to use a network of health care providers who are contracted to provide their services at lower rates to all card carriers. They are not usually provided by any California health insurance company.

It's also a good choice for people with a pre-existing health condition that will disqualify them from most California health insurance schemes or make them get high premiums. There are no exclusions for whatever reason. All you need do is pay a little monthly fee and you will be eligible to use the services of a network of health care providers at a reduced rate.

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5. You can also save on costs by taking advantage of phone med services. These services gives free medical services twenty four hours daily. You have at least a registered nurse with a minimum of ten years experience on hand to give you free medical advice you can trust. You'll also get free medical help by calling local medical clinics.

This reduces the number of times you see a doctor and as a consequence your total cost on the whole.

The help they give could also help you take safety measures that will prevent a serious health condition. For these and other reasons, use these free medical services.

6. It will cost you far less and reduce your costs if you buy your prescriptions over the internet. Buying by telephone might also get you cheaper prices. Companies who sell online have lower overheads than brick and mortar businesses and this suggests that they can and (do sell) at cheaper prices. Nevertheless, you will do well to check the company you are buying from so you don't endanger yourself. It's quite easy to verify by checking a resource like BBB.

This is quite very important as you won't want to risk your health in the name of making savings.

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7. You'll be given more affordable rates if you pay by Electronic Funds Transfer (EFT). This process authorizes your bank to credit your insurer with your premiums without any intervention from you until you stipulate to the contrary. This reduces costs by removing the need for payment notices or checks. This is why this results in cheaper premium.
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