Cheap But High Quality Health Insurance In California -- Sure-Fire Tips For Big Discounts

Do you want to enjoy adequate California health insurance for a lot less? There are suggestions you must understand and implement if you're truly committed to getting big discounts. I'll discuss some of them in this article...

1. There are established name brands in the pharmaceutical industry. You'll raise your costs if you buy big brand name drugs. But did you know that all generic drugs are constrained by law to have the same active ingredients as brand name drugs? The inactive ingredients are the only dissimilarities between generic drugs and brand names.

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

2. An easy but rewarding way of reducing your rate is by authorizing an EFT (Electronic Funds Transfer). it authorizes your bank to credit your insurer with your premium payments automatically until you advise otherwise. This saves your insurer in many ways such as removing the cost of mailing payment notices and the cost of processing checks. An insurance provider gives you part of what they save by reducing your premium.

3. The Consolidated Omnibus Budget Reconciliation Act of 1985 (COBRA) insurance is a good choice for affordable coverage if you have a pre-existing condition that makes standard individual California health insurance difficult or too expensive.

4. Some states offer home business owners a chance to bring down their cost. States that give this opportunity have laws that demand that insurance companies extend to home business owners the same rates as they do big businesses.

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

You can have your wife/husband or older kid work as an employee. The good thing is that such an employee doesn't have to work full time for you to be eligible.

This alternative gives cheaper rates due to the fact that group rates are usually cheaper than rates for individuals.

To check if your state provides such or if your home business qualifies, contact your state's department of insurance.

5. Even though you are warned against self-medication, there are situtions where you should not visit a doctor. Good example are viral infections like flu for which your doctor can really do nothing. Using some home remedies will actually help in such conditions. Your doctor will probably do things you should have done on your own at home in a case like that.

If your doctor cannot do anything about a health condition then I think it's unwise to spend about $100 on a visit to him or her. I also think there are little home incidents that your first aid box will handle quite well.
It pays to learn how to take care of simple home incidents especially if you have kids. Learning a few little things and having a well-stocked first aid box will help you save a lot on unnecessary visits to a doctor.

Nevertheless, if you don't know what to do, go ahead visit a doctor. And, even for those who do are versed in first aid, remember your limits. You are not simply allowed by law to do some things except you're a certified medical personnel even if you know what to do. Do what you should and let your doctor handle those he/she should. If you do this right you will spend less in health insurance and also not endanger lives.

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