Low Cost Health Insurance In California -- Tips Better Rates

What can someone do to pay relatively little for sufficient California health insurance? There are suggestions you must take note of and implement if you're really committed to getting considerable discounts. I'll discuss some of them here...

1. There are established name brands in the pharmaceutical industry. You'll raise your rates if you use big brand name drugs. But are you aware that all generic drugs are constrained by law to include the same active agents as brand name drugs? Where they can have any variation is in the inactive agents.

This simply means that what you receive in brand name drugs is the same thing you get from generic drugs of the same specification. Ask your doctor about this.

2. A straightforward but rewarding way of bringing down your rate is by authorizing an EFT (Electronic Funds Transfer). This authorizes your bank to credit your insurance provider with your premiums automatically until you stipulate to the contrary. This brings down administrative overheads like those involved in sending payment notices. Your rate is therefore lowered to reflect the lower cost of providing insurance to you.

3. For folks who have a longtime ailment that makes it difficult or costlier for them to enjoy private individual health insurance coverage, the Consolidated Omnibus Budget Reconciliation Act of 1985 (COBRA) insurance should give a cheaper option.

4. You can save much on health insurance in some states if you are a home business owner. Such states require that insurance companies offer home based businesses the same rates with other (bigger) businesses.

Having just one employee qualifies a home business for such low rates in several states.

The cheery news is that the employee could be your spouse or your older child who works with you. Furthermore, you'll still qualify if that single staff works only part time.

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

To know if you are eligible or even if your state has such a provision, call your state's department of insurance, department of financial services or their equivalent.

5. Notwithstanding the fact that you're advised against self-medication, there are situtions where you shouldn't visit a doctor. Take, for instance, a viral infection like flu. Visiting your doctor will really make no difference in your health if you understand the right right steps to take. There are easy steps you should take and if you go to the doctor you will pay and still be told the same things.

There is 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.
Learn little first aid procedures. Learning a few simple procedures and having a well-equiped first aid box will help you save much on unnecessary visits to a doctor.

However, if you don't know what to do, don't hesitate to visit your doctor. And, for people who are versed in first aid, remember your limits. You're not permitted by law to do some things except you're a certified medical doctor even if you know what to do. Do what you should and allow your doctor do those he/she should. You will spend less on your California medical insurance without endangering yourself or yours if you do this.

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