Individual California Medical Insurance -- You Can't Miss Massive Discounts With The Following

If you must get huge discounts, then you must NOT miss certain things. I'll share some of them in this article...

1. Using tobacco in any form will add to your rates. Individuals who snuff or chew tobacco will also pay higher rates than people who don't

Therefore, you'll help yourself get more affordable rates if you stay away from tobacco use in any form.

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2. Group plans are more affordable than individual plans. Therefore, for individuals who have the privilege of using a group plan, it offers you an opportunity of paying far less than otherwise.. This should be of particular interest to elderly people, smokers or overweight persons who generally have to pay expensive premiums.

This is also true of persons who have health conditions that attract very costly premiums. So taking advantage of a group plan is an easy to get the right coverage at a low rate.

3. If you are the type that is hardly ever sick you'll you'll save considerably by buying catastrophic California health insurance instead. This kind of policy covers you if you suddenly fall sick or get involved in an accident.

The beauty of this policy is normally seen in situations where a health condition or accident results in very exorbitant medical bills that would otherwise wipe out most people's life savings. That's the reason it's protection against catastrophic illness or accidents. They can be bought at very inexpensive rates.

However, the deductibles are usually as much as $2,000 but they are certainly worth it considering that you rarely fall sick and are protecting yourself in case a catastrophic illness or accident happens.

4. Ensure a healthy life style and you'll pay cheaper rates over time. The quality of what you eat will eventually affect your rate. It will benefit you to stick to the specified diet for you if you want a healthy life and inexpensive rates.

In the same way, you will be healthier and therefore have to see the doctor less if you routinely exercise up to 30 minutes every day.

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5. Using a Preferred Provider Organization (PPO) is another way you can reduce your cost. But unlike an HMO, it leaves you more choices and consequently it is also usually less affordable.

Look at what you can afford and your needs and determine if this is a better choice than other plans. If saving is the priority, you'll almost always make more savings by using a PPO instead of buying normal California health insurance.

6. If you find it really difficult to buy a regular California health insurance plan, you may qualify for Medicaid. The criteria for qualification differ with different states. Nevertheless, the underlying criterion is that you must be a low-income earner. You can still qualify even if you have a job.

It would help reduce your cost if you or any family member meets the criteria. So find out from your state's Medicaid program if you are eligible.

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7. There are situations for which you really shouldn't see a doctor. For example, your doctor can really do nothing for someone who has a cold or viral infections. It's generally known that doctors cannot do you much good if you have a viral infection.

If your doctor can't do anything about a health condition then I think it is not advisable to spend about $100 to see him or her. I also think there are a few home incidents that your first aid box will handle quite well.

It is to your advantage to know how to take care of simple home emergencies especially if you have children. Learning a few simple procedures and having a well-stocked first aid box will help you save much on unnecessary visits to a doctor.

However, if you don't know what to do, go ahead see your doctor. But, please, know your limits and know that there are things you must refer to a doctor even if you know what to do. You are not permitted by law to handle some things unless you're a certified medical doctor even if you know what to do. Having the right balance is necessary in this and other cases. You'll spend less on California health insurance without endangering yourself or yours if you do this.
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