Cheap Medical Insurance In California -- Sure-Fire Steps To Huge Savings

What can you do to pay relatively little for adequate California medical insurance? There are suggestions you must take note of and apply if you're truly keen on getting huge discounts. Here are a few of such things...

1. The pharmaceutical industry has big brand names. You'll increase your rates if you buy big brand name drugs. But will you believe it if I told you that all generic drugs are required by law to include the same active ingredients as brand name drugs? The inactive ingredients are the only differences between generic drugs and brand names.

The truth then is that you only pay more when you buy a big brand name drug and do NOT enjoy anything extra in value. Ask your doctor about this.

2. A simple but effective way of bringing down your rate is by authorizing an EFT (Electronic Funds Transfer). By doing this you authorize an insurer to automatically withdraw your premiums from your account when due. This brings down administrative costs like those involved in sending payment notices. The insurer passes part of what they save to you by offering you lower rates.

3. The Consolidated Omnibus Budget Reconciliation Act of 1985 (COBRA) insurance is a good alternative for cheap coverage if you have a pre-existing illness that makes standard individual California health insurance hard to get or too expensive.

4. You can make huge savings on health insurance in certain states if you own a home business. Those states make it mandatory that insurance providers offer home based businesses similar rates with other (bigger) businesses.

In a number of states your home business qualifies for a group rate provided it has one employee.

You can have your wife/husband or grown up child to work as an employee. You'll still qualify for such group rates if such an employee works just part time.

This will give your extra savings since group rates are usually lower than individual rates.

To check if your state offers such or if your home business meets eligibility requirements, contact your state's department of insurance.

5. Even though you are advised against self-medication, there are situtions where you shouldn't see a doctor. For example, your doctor can really do nothing for someone who has a cold or viral infections. We all know that your doctor can't do you much good if you have a viral infection.

There's no way you can justify spending $100 for something you should have done on your own. Other instances are little bruises that just simple first aid will take care of.
Learn simple 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 kit.

However, it is better to err on the side of caution and go to a doctor if you're unsure. But, please, know your bounds and be aware that there are situations you must take to a doctor even if you know what to do. The law stops you from doing certain things if you're not a certified medical personnel. Just know what you should handle on your own and don't attempt what you should not. You will pay less on your California medical insurance without endangering yourself or yours if you do this.

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