Do you want to enjoy superior California medical insurance at dirt cheap rates? If you must attract big discounts, then you must NOT fail to do certain things. I'll share some of them in this article...
1. There are drugs that are big brand names. If you buy such drugs, your rates will be more. But did you know that every generic drug has the same active agents as its big brand name version? Where they can have any variation is in the inactive ingredients.
The truth remains that you only pay more when you buy a big brand name drug and do NOT get anything extra in value. Nevertheless, take the time to ask a doctor you can really trust about this before you settle for any drug.
2. Electronic Funds Transfer (abbreviated as EFT) is an easy way to bring down your premium. This process authorizes your bank to credit your insurance provider with your premium payments automatically until you advise to the contrary. This saves an insurer's overhead by removing the necessity of payment notices or checks. The 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 option for affordable coverage if you have a pre-existing condition that makes traditional individual California medical insurance hard to get or more costly.
4. You can save much on health insurance in certain states if you are a home business owner. States that give this opportunity have laws that make it mandatory that insurance carriers give home business owners the same price with big businesses.
And all it takes for your home business to qualify is just one employed worker.
The good part is that the member of staff could be your spouse or your older child who works for you. You will still be eligible for such group rates if that workers is just part time.
This alternative gives lower rates considering that group rates are normally lower than rates for individuals.
To to find out if your state offers such or if your home business qualifies, visit your state's department of insurance.
5. Even though you're warned against self-medication, there are situtions where you shouldn't visit a doctor. For instance, 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 on a visit to him or her. Other instances are small cuts that just simple first aid will handle properly.
If you do not know these little things spend time reading books on them especially if you have little children. 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 box.
However, it is better to err on the side of caution and visit a doctor if you are unsure. And, even for those who do have some experience with first aid, don't forget your limits. You're not simply allowed by law to attempt some things unless you are a certified medical doctor even if you know what to do. Do what you should and allow your doctor do those he/she should. You'll pay less on your California medical insurance without endangering yourself or yours if you do this.
6. You might save some hundreds of dollars by simply obtaining and evaluating quotes from at least five insurance quotes sites. And, it will take just a total of 25 minutes.
Here are my favorite quotes sites...
Get Free No-Obligation Quotes Now
Best Health Insurance Quotes In Minutes
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