Cheap But High Quality Medical Insurance In California -- Steps to Better Rates

How can anyone out there enjoy affordable California health insurance that does not downgrade their coverage quality? There are tips you must understand and implement if you're really committed to getting considerable discounts. I'll share a good number of them in this article...

1. There are drugs that are big brand names. Drugs that have such brand names cost a lot more than equally-effective drugs with less brand recognition and so raise your cost. But did you know that every generic drug has the same active ingredients as its big brand name counterpart? Where they can have any dissimilarity is in the inactive agents.

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

2. A simple but effective way of lowering your rate is by authorizing an EFT (Electronic Funds Transfer). This simply means your insurance provider takes your premiums automatically from your account each month without sending you payment notices. This saves your insurer in many ways such as eliminating the cost of mailing payment notices and the expense of processing checks. Your premium is therefore reduced to reflect the lower cost of providing insurance to you.

3. If you find it difficult to locate a traditional California medical insurance carrier due to an unfavorable medical history you can go for COBRA insurance. Just by the way COBRA is the abbreviation for Consolidated Omnibus Budget Reconciliation Act of 1985.

4. People who own home businesses are provided with a special way to save in a number of states. This is because home based businesses are given the same low rates that insurance companies give their larger counterparts.

In several states a home business qualifies for a group rate provided it employs a staff.

You can have your wife/husband or grown up child to work as an employee. The good thing is that such an employee doesn't have to work full time for you to meet eligibility requirements.

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

To know if your state provides such or if your home business is qualified, visit your state's department of insurance.

5. There are cases for which you really should not see a doctor. For example, your doctor can really do nothing for you if you have a cold or viral infections. We all know that your doctor can't do you much good if you have a viral infection.

There is no way you can justify spending $100 for something you should have done by yourself. Other instances are small cuts that just simple first aid will handle properly.
Learn simple first aid procedures. Most of those emergencies would be well taken care of if you take some time out to learn a little about first aid and also have a good first aid box.

Nevertheless, if you don't know what to do, go ahead visit a doctor. And an advice to people who may believe they know so much (while they are not trained medical personnels) know what you should not even attempt except there's no way to get to a doctor on time. You're not permitted by law to do some things except you are a certified medical professional even if you know what to do. Do what you should and allow your doctor do those he/she should. If you do this right you will pay less in health insurance and also not put yourself at any risk.

Get Quotes, Compare Plans And Save Much!
Get The Best Free Quotes For Your Profile!