Low Cost Health Insurance In California -- Try The Following Tips If You Want To Pay Less

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

1. The pharmaceutical industry has big brand names. You'll raise your rates if you buy big brand name drugs. For those who don't know, the law demands that all drugs must consist of the same active ingredients whether they are brand name or generic. Where the differences begin and end are in their choice of inactive ingredients.

This simply means that what you get from brand name drugs is also what you get from generic drugs of similar specification. However, consult your doctor before making this decision.

2. A straightforward but rewarding way of reducing your premium is by authorizing an EFT (Electronic Funds Transfer). This authorizes your bank to credit your insurer with your payments without any intervention from you until you advise otherwise. This saves the insurance company in many ways such as eliminating the cost of sending payment notices and the expense associated with processing checks. Your premium is therefore reduced to reflect the cheaper cost of giving you insurance.

3. For individuals 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 could offer a more affordable alternative.

4. A number of states offer home business owners an opportunity to reduce their cost. Those states demand that insurance companies offer home based businesses similar rates as they do other (larger) businesses.

Having just one employee makes a home business eligible for such cheap rates in some states.

The cheery news is that the member of staff could be your wife or your older child who works with you. You will still be eligible for such group rates if that workers is just part time.

Group rates are always cheaper so ensure that you take advantage of this if you're a home business owner.

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

5. Notwithstanding the fact that you are warned against self-medication, there are situtions where you should not see a doctor. Take, for example, a viral infection like flu. Seeing your doctor will really make no difference in your health if you know the right right steps to take. Your doctor will probably do things you should have done for yourself at home in a situation like that.

There's no way you can justify spending $100 for something you should have dealt with by yourself. This is also true of simple first aid treatment.
Teach yourself little first aid procedures. 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.

But even in those cases if you're not sure go and see a doctor considering that it's better to lose money than to jeopardize your life. But, please, know your limits and know that there are things you must take to a doctor even if you know what to do. You are not simply allowed by law to do some things except you're a certified medical professional even if you know what to do. Do what you should and let your doctor do those he/she should. You will pay less on your California medical insurance without endangering anyone if you do this.

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