Affordable Medical Insurance In California -- Time-Tested Tips For Huge Discounts

What can someone do to pay relatively little for sufficient California medical insurance? There are suggestions you must understand and implement if you're truly serious about getting considerable discounts. I'll share a good number of them in this article...

1. There are drugs that are big brand names. If you buy such drugs, your premium will be more. But did you know that every generic drug has the same active ingredients as its big brand name counterpart? Where they can have any variation is in the inactive agents.

The truth remains that you only pay more when you buy an established brand name drug and do NOT get anything more in value. Notwithstanding, consult your doctor before taking this decision.

2. You'll get cheaper rates if you pay by Electronic Funds Transfer (EFT). This authorizes your bank to credit your insurance provider with your premium payments without any intervention from you until you advise otherwise. This saves an insurer's overhead by removing the necessity of payment notices or checks. Your insurer passes part of what they save to you by bringing down your premium.

3. For individuals who have a health condition that makes it difficult or costlier for them to enjoy private personal health care coverage, the Consolidated Omnibus Budget Reconciliation Act of 1985 (COBRA) insurance would give a more affordable alternative.

4. People who operate home businesses are given a unique opportunity to pay less by a number of states. This is because home based businesses enjoy the same low rates that insurance companies give their bigger counterparts.

Employing just a staff makes a home business eligible for such cheap rates in some states.

You can have your wife/husband or older kid work as an employee. Furthermore, you'll still qualify if that single staff works only part time.

This alternative gives cheaper rates because group rates are usually lower than rates for individuals.

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

5. In spite of the fact that you're advised against self-medication, there are situtions where you shouldn't see a doctor. Good instances are viral infections like flu about which your doctor can really do nothing. It is generally known that doctors can't do you much good if you have a viral infection.

So does it make sense to spend close to $100 in visiting a doctor when you already know that your situation won't be helped much? This also relevant to simple first aid treatment.
It is to your advantage to learn how to take care of simple home incidents especially if you have children. There are many things that you can (and should) take care of if you've invested the time to learn and as well have a well-equiped first aid box.

But even in those situations if you are not sure visit a doctor since it is better to lose money than to jeopardize your life. And an advice to those who may think they have learnt so much (while they are not trained medical personnels) know what you should not even attempt unless there's no way to get to a doctor on time. There are cases you are not supposed to even attempt if you are not a medical professional. Having the right balance is a must in this and other matters. You'll spend less on your California medical insurance without endangering yourself or yours if you do this.
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