Tips For Cheaper California Health Insurance

Even though you can save by downgrading your coverage, it is not recommended if it puts you at risk. However, you can pay much less for better coverage if you have the right tips and and apply them rightly. I'll show you how...

1. You'll get higher rates simply because your line of duty exposes you to much hazards. You can reduce your premium if you choose another line of duty that will not expose you to hazards. If your occupation exposes you to toxic substances, for example, your premiums will be much more than that given to a comparable profile who maybe works as a receptionist in a shop.

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2. What you're willing to contribute to payments for each time you see a doctor has a bearing on your rate. This is your co-pay. The higher it is, the lower your premium will be. If you rarely ever need to see a doctor, you should make much savings by opting for a high co-pay.

3. This shouldn't be an issue for most individuals but we will still have to talk about it...

The use of illegal drugs will increase your rate. Misusing drugs as well will make you spend more in California health insurance. Self medication should be stopped both for the serious implications to your health and rates.

4. There are folks who are not eligible for special California health insurance for low-income earners and at the same time are unable to afford traditional California health insurance. If you are among such individuals, you'll benefit much if you get a discount medical card. So what are they?

A discount medical card qualifies you to take advantage of a network of health care providers who have agreed to provide card carriers medical services at a cheaper rate. These cards aren't given by any California health insurance company.

If you've been disqualified from traditional California health insurance because of a pre-existing condition or think your premium is too high then you can bring down your spend by making use of this kind of card. No one is declined for any reason. All you need do is pay a small monthly fee and you will benefit from the services of a network of health care providers at a reduced rate.

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5. If you make use of phone med services you'd have done much to bring down your costs. A phone med service is on twenty four hours daily and gives free medical advice. You can trust the advice you are given because they are manned by qualified professionals (usually a minimum of a registered nurse with at least ten years experience). You will as well get free medical help by calling local medical clinics.

This, hopefully, should reduce the number of visits you make to a doctor although it does not take its place.

The help provided by them could also help you take precautions that will prevent a serious ailment. This is compelling enough for you to make use of them even if they do not help you reduce your costs.

6. You can lower your rates by buying prescriptions on the internet. Buying by telephone will as well give you lower prices. Companies who sell online have lower outlays than brick and mortar businesses and this means that they can and (do sell) at lower prices. But if you've chosen to buy online try to find out a little about whom you are buying from because there are wolves on the internet. Simply visit BBB online and you will know if you should buy from a particular company.

While we want to reduce our health care spend we also need to ensure that we safeguard our health. Checking with BBB online and other such services will help you stay safe while you buy at more affordable prices online.

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7. A straightforward but smart way of lowering your rate is by authorizing an EFT (Electronic Funds Transfer). This simply means your insurer takes your premiums automatically from your account each month without sending you payment notices. This reduces administrative costs like those involved in mailing payment notices. This is why this gets you lower rates.
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