California Medical Insurance -- 7 Ways To Cut Down Cost

Would you appreciate cheap rates for the right coverage? If this describes you then read through this write-up for sure-fire tips...

1. Reduce you weight and your premium will be lower. There is something called Body Mass Index (BMI). It is used to determine a prospect's premium.

A high Body Mass Index will always attract a high rate all other things being equal. If your Body Mass Index rating is high it simply means that your weight is too much for your height. Now do not wait until when you can lose thirty pounds because losing as little as five pounds can drop you into a lower Body Mass Index rating which leads to cheaper rates.

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2. Using tobacco in any form will increase your rates. For example, you'll get a more expensive rate if you chew or snuff tobacco.

So for your health and cheaper rates, stop using any tobacco product.

3. Take it or not, the way you drive can affect your California health insurance rates negatively. If you have many charges on rough driving or a history of street racing you will spend much more. Any person who drives recklessly might make a claim shortly as they are more likely to need medical attention.

Hence, good driving does not only save you much in your auto insurance, it also gives you lower rates in California health insurance. Super-fast automobiles like fast muscle cars and super bikes will make you pay a more expensive California health insurance rate. The simple reason remains that you raise the probability that you'll make claims soon.

4. Don't let yourself become shortchanged by the cheapest quote as you shop for low cost California health insurance. What you want is not necessarily the lowest quote but that which gives you the best value for its price. If the cheapest quote has all that is important to you, then choose it. But be prepared to pay a little more if necessary to buy the right coverage for you.

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5. Buying catastrophic California health insurance plans will help you save substantially in California health insurance and is your best bet if you are the consistently healthy type. You are given coverage for those conditions or medical needs that could come up suddenly.

The beauty of this policy is normally appreciated in cases where the illness or accident makes the patient incur very high medical bills that would otherwise destroy most people's life savings. That's the reason it's coverage against catastrophic ailments or accidents. They can be bought at very cheap rates.

But take note that it has deductibles that are as high as $2,000. Notwithstanding, you'll be happy to contribute such if your medical bills run up to $50,000 which is where catastrophic California health insurance truly shines.

6. There is a special type of savings account called the Flexible Spending Account. You can save tax-free dollars to cater for your health needs. Any money not used could be rolled over into the next year (still tax free). This offers you a tax free method of building large reserves of funds for your health needs.

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7. Quit drinking if you want cheaper rates. Taking alcoholic beverages makes you a bigger liability and therefore gets you higher rates.

You are aware that many ailments are caused heavy drinking.

What quantity of alcohol is ok for you? 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 do know is that avoiding alcoholic beverages completely is very safe. If you can't stop drinking totally, drink responsibly if you want to bring down your risk factor.

It's just that for most people drinking responsibly is even more tasking than total abstinence. You can get help if you really want to stop drinking.
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