Tips For Affordable California Health Insurance

You can lower your rates considerably by downgrading the scope of coverage you get. That's NOT good. You can, however, easily pay far less without downgrading the quality of your coverage if you have and use the right tips. I'll explain how...

1. You'll pay more expensive rates just because your profession exposes you to much hazards. You'll attract cheaper premiums if you quit a hazardous profession for something safe. Since a clerk in a a bookshop isn't exposed to any health risks like a nuclear plant staff, he or she would pay much lower rates.

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2. The amount you're ready to contribute to payments for each time you see the doctor has a bearing on your rate. This is what is called your co-pay for those who don't know already. Raising your co-pay reduces your rates. This is particularly recommended for individuals who rarely go to visit a doctor.

3. This is something that may not concern most people but is still worth mentioning...

The use of illegal drugs will increase your rate. And, drug abuse will certainly make you attract costly rates. That is, if it does not make you uninsurable. Avoid self-medication also and you'll definitely get more affordable rates than individuals who do not.

4. There are persons who may not qualify for special California health insurance for low-income earners and at the same time are unable to afford standard California health insurance. A discount medical card is a good option for such people.

With this special kind of card you get medical attention from a network of doctors who are contracted to provide their services to card carriers at reduced rates. Such cards aren't connected to any California health insurance company.

It's as well a great option for people who may have a pre-existing disease that will disqualify them from most California health insurance providers or make them attract prohibitive premiums. One advantage of a discount medical card is that everyone is welcome. Just make your monthly payments and you will use a network of doctors who will bill you lower for their services.

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5. You can make savings on costs by taking advantage of phone med services. A phone med service is on twenty four hours everyday and provides free medical advice. You can trust the advice you are given because they are given by competent professionals (usually not less than a registered nurse with at least ten years experience). Your local clinic is also another place you can get free medical help by phone.

This, hopefully, should cut down the number of visits you make to a doctor notwithstanding the fact that it does not take its place.

A timely medical advice could make the difference between a serious ailment and a mild one. This is compelling enough for you to take advantage of them them even if they don't help you lower your rates.

6. You can lower your costs by buying prescriptions on the internet. Buying by telephone will also give you lower prices. Companies who sell online have lower overheads than brick and mortar businesses and this suggests that they can and (do sell) at cheaper prices. But to ensure you are buying from the right company, check. It's quite easy to verify by checking a resource like BBB.

This is really very important as you don't want to endanger your health in the name of making savings. If you verify whom you buy from you'll save much while getting the best.

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7. You'll get lower rates if you pay by Electronic Funds Transfer (EFT). This process authorizes your bank to credit your insurance provider with your premium payments automatically until you stipulate otherwise. This saves your insurer in many ways such as eliminating the cost of mailing payment notices and the cost of processing checks. The insurance carrier passes part of what they save to you by offering you lower rates.
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