Affordable Health Insurance In California -- What To Do If You Want It

What can you do to pay far less for adequate California medical insurance? There are tips you must understand and implement if you're really committed to getting considerable discounts. Following are a few of such things...

1. There are popular name brands in the pharmaceutical industry. Drugs that have such brand names are more expensive than equally-effective drugs with less brand recognition and so increase your premium. But are you aware that every generic drug has the same active agents as its big brand name counterpart? Where they are free to have any dissimilarity is in the inactive agents.

The truth then is that you only pay more when you buy an established brand name drug and do NOT get anything extra in value. Ask your doctor about this.

2. An easy but effective way of bringing down your premium is by authorizing an EFT (Electronic Funds Transfer). This simply means your insurer takes your premiums automatically from your account at specified periods without sending you payment notices. This eliminates administrative costs like those incurred when sending payment notices. This is why this results in discounts.

3. For folks who have a pre-existing condition that makes it difficult or too expensive for them to get private individual health care coverage, the Consolidated Omnibus Budget Reconciliation Act of 1985 (COBRA) insurance would provide a more affordable alternative.

4. People who run home businesses are provided with a unique way to pay less by certain states. States that offer this opportunity have laws that make it mandatory that insurance providers give home business owners the same rates as they do large businesses.

Employing just one employee makes a home business eligible for such low rates in several states.

You can have your spouse or older kid work as an employee. The interesting thing is that such an employee does not have to be full time for you to meet eligibility requirements.

Group rates are generally cheaper so do your best to take advantage of this if you are a home business owner.

You can check if home businesses that are eligible for group rates in your state by checking with your state's department of insurance or its equivalent.

5. Notwithstanding the fact that you are advised against self-medication, there are situtions where you shouldn't see a doctor. Clear example are viral infections like flu about which your doctor can't help. Using some home remedies will actually help in those conditions. It's generally known that doctors can't do you much good if you have a viral infection.

If your doctor can't do anything about a health condition then I think it is not advisable to spend about $100 on a visit to him or her. I also think there are little home incidents that your first aid box will take good care of.
If you don't know these little things spend time reading books on them especially if you have little kids. There are many things that you can (and should) handle if you've invested the time to learn and as well have a well-equiped first aid box.

Nevertheless, if you do not know what to do, don't hesitate to see a doctor. And, for people who have some experience with first aid, don't forget your boundaries. The law stops you from doing certain things if you are not a certified medical doctor. Having the right balance is a must in this and such cases. If you do this right you will spend less in health insurance and as well not put yourself at any risk.

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