Tips For Affordable California Healthcare Insurance

Some suggestions for reducing your rates do reduce the quality of coverage you enjoy and so are NOT wise. You can, however, easily pay a lot less without downgrading the quality of your coverage if you understand and apply the right tips. I'll explain how...

1. Those whose lines of duty expose to hazards get less affordable premiums. You can bring down your rates if you change to another line of duty that does not expose you to hazards. A person who works in a nuclear plant can't expect similar rates with a a salesperson in the local supermarket.

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2. How much are you willing to contribute to payments for seeing your doctor? The amount which you contribute is known as your co-pay. Increasing your co-pay brings down your premium. If you hardly ever need to see a doctor, you should save a lot by opting for a high co-pay.

3. This is something that may not concern most folks but should be mentioned...

Do not use medications that have either been banned or have yet to be registered as they will make you attract higher rates if discovered and that's apart from the fact that you are exposing yourself to danger. And where the use of certain drugs is approved, abusing them will as well make you pay much higher rates. Along these lines, avoid self-medication for both its dire implications and the fact that it will make you pay much higher rates.

4. There are individuals who may not qualify for special California health insurance for low-income earners and at the same time don't really earn enough to easily pay for regular California health insurance. A discount medical card is a cheaper alternative for such people.

This type of card gives you access to a network of health care providers who have agreed to provide their services at lower rates to all card carriers. Such cards are not managed by an insurance company.

You can use this option if you have a medical history that has made California health insurance companies either declare you uninsurable or give you a rate that is too high. One advantage of a discount medical card is that everybody is accepted. You only have to pay a monthly fee to be eligible to use their network of doctors.

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5. Phone med services will help you reduce your costs. These are free community services that provide medical advice by phone round the clock. You can trust the advice you get because they are given by competent personnel (usually a minimum of a registered nurse with at least ten years experience). You'll as well get free medical help by phone from local medical clinics.

Even though this does not take the place of seeing a doctor, they can actually lower your cost by bringing down the number of times you see a doctor.

The help they give could also help you take precautions that will prevent a serious health condition. This is compelling enough for you to take advantage of them them even if they don't help you reduce your costs.

6. Buying your prescriptions online is a sure way to reduce your health care costs. You can also get cheaper prices if you buy by phone. The internet lowers the cost of doing business and pharmaceutical companies or groups who sell their drugs online do so at lower rates. Nevertheless, you'll do well to check the company you're buying from so you don't put yourself at risk. It's very easy to be sure by using a resource like BBB.

Always remember that while we want to save costs we also want to avoid risks. Checking with BBB online and other such services will help you stay safe while you buy at the best prices online.

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7. You'll be given lower rates if you pay by Electronic Funds Transfer (EFT). it authorizes your bank to credit your insurance provider with your premium payments without any intervention from you until you advise to the contrary. This reduces administrative overheads like those incurred when mailing payment notices. This is why this results in cheaper rates.
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