Low Cost Medical Insurance In California -- Tips Better Rates

How can any person out there enjoy affordable California medical insurance that does not put them at risk? There are suggestions you must take note of and implement if you're truly committed to getting big discounts. Following are some of such things...

1. There are popular name brands in the pharmaceutical industry. You'll raise your rates if you buy big brand name drugs. But will you believe it if I told you 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 means that what you get from brand name drugs is the same thing you get from generic drugs of the same specification. Ask your doctor about this.

2. A simple but rewarding way of lowering 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 stipulate otherwise. This brings down administrative costs like those incurred when mailing payment notices. An insurer passes part of what they save to you by bringing down your rates.

3. For individuals who have a pre-existing condition that makes it tough or costlier for them to find private individual health care coverage, the Consolidated Omnibus Budget Reconciliation Act of 1985 (COBRA) insurance would provide a more affordable alternative.

4. Certain states provide home business owners a chance to reduce their cost. This is because home based businesses enjoy the same cheap rates that insurers offer their larger counterparts.

Having just a staff qualifies a home business for such cheap rates in some states.

You can have your spouse or grown up child to work as an employee. You will still qualify for such group rates if that workers is just part time.

This will give your extra savings since group rates are always cheaper than individual rates.

To know if you qualify or even if your state has such offer, call your state's department of insurance, department of financial services or their equivalent.

5. There are situations for which you really should not see a doctor. For instance, your doctor can really do nothing for someone who has a cold or viral infections. There are easy steps you should apply and if you go to the doctor you'll pay and still be given the same remedies.

If your doctor can't do anything about a health condition then I think it is unwise to spend about $100 on a visit to him or her. This is also true of simple first aid treatment.
If you don't know such simple things spend time reading books on them especially if you have little children. Knowing a few little procedures and having a well-equiped first aid box will help you save considerably on avoidable visits to a doctor.

However, it is better to err on the side of caution and go to a doctor if you're not certain. But, please, know your limits and be aware that there are cases you must take to a doctor even if you know what to do. There are things you're not meant to even attempt if you are not a medical personnel. Handle what you should and allow your doctor do those he/she should. This will decrease your visits to the doctor and, as well, reduce your rates.

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