Individual California Health Care Insurance -- The Following Are Time-Tested Savers

If you must get huge discounts, then you must NOT fail to do certain things. Following are a few of such things...

1. It's now clearly known that smoking will attract higher rates. What people might not understand is that the same also applies if you use any other form of tobacco product. For instance, you will pay a more expensive rate if you chew or snuff tobacco.

So, you'll help yourself get more affordable rates if you stay away from tobacco use in any form.

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2. Group plans are cheaper than individual plans. Therefore, for those who have the privilege of using a group plan, it gives you the opportunity of paying far less than otherwise.. This should be of special interest to older individuals, smokers or overweight persons who usually attract high rates.

This is also true of people who have pre-existing medical conditions that get very high premiums. A group plan is an easy way to lower your premium without lowering the quality of coverage you will enjoy.

3. If you're hardly ever ill you'll save a lot by choosing catastrophic California health insurance instead. For people who might not know what it is, it's a type of plan that caters for you if you fall sick suddenly or are involved in an accident.

You will really love this policy if you ever need to pay huge bills due to unforeseen health conditions or accidents. That's why it's protection against catastrophic ailments or accidents. Catastrophic California health insurance premiums are usually very affordable.

What are usually high are the deductibles which can be as high as $2,000. But bearing in mind that you are protecting yourself from accidents or ailments that could cost tens of thousands of dollars such deductibles are not really that high -- Relatively.

4. You'll also get a cheaper rate if you keep up a healthy lifestyle. The quality of your diet will sooner or later affect your rate. Try to cut off cholesterol, fats and high carb from your diet and you will not only spend less but also enjoy a healthier life.

In the same way, you will be healthier and as a result have to see the doctor less if you routinely exercise up to thirty minutes daily.

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5. Making use of a Preferred Provider Organization (PPO) is another way you can reduce your cost. But in contrast with an HMO, it leaves you more choices and consequently it's also normally more expensive.

It's yours to contrast the benefits you'll get with what you will save to decide whether you prefer it to traditional California health insurance. If you need to make more saving but also want more flexibility than is available with an HMO, then use a PPO.

6. If you find it quite difficult to pay for California health insurance plan, you may be eligible for Medicaid. Various states have different rules for eligibility Notwithstanding the differences in each state, Medicaid is for people that have low incomes. It does not matter whether you're employed or not.

It would lower your cost if you or any family member meets the requirements. Therefore, verify from your state's Medicaid program.

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7. Even though you're advised against self-medication, there are situations where you shouldn't visit a doctor. Good example are viral infections like flu about which your doctor can really do nothing. There are easy steps you should take and if you go to the doctor you'll pay and still be given the same remedies.

If your doctor cannot do anything about a health condition then I think it is unwise to spend about $100 to see him or her. This is also true of simple first aid treatment.

It is better to know how to handle simple home incidents especially if you have kids. Most of those emergencies would be well attended to if you take some time out to learn a little about first aid and also have a good first aid box.

However, it is better to err on the side of caution and visit a doctor if you are unsure. And, for people who are versed in first aid, remember your limits. There are things you are not supposed to even attempt if you are not a medical doctor. Handle what you should and let your doctor do those he/she should. This will cut your visits to the doctor and, as well, lower your rates.
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