You can get cheap California health insurance rates if you do a number of things. We'll consider several factors in this article. I'll also give you practical steps to take if you want to save a bundle...
1. It's now clearly known that smoking attract higher California health insurance rates. What many might not appreciate is that this is also true if you use any other type of tobacco product. Chewing or snuffing tobacco, for instance will cost you in higher health insurance rate.
So for your health and lower rates, stop using any tobacco product.
2. An outstanding credit rating will reflect in your favor with respect to your California health insurance rate. A bad credit history will attract higher health insurance rates. For some insurance carriers it is a pattern they believe you might repeat with them in premium defaults. This translates to more danger to them and higher premiums for you.
3. Staying loyal to one insurer for any considerable length of time will actually lead to savings. A number of insurers will give you discounts of about 5% once you stay with them for over three years while others will give you discounts for staying up to 5 years. Staying longer will attract bigger discounts. However, you may save more if you switch.
4. Your co-pay can be more than your drug cost in a number of situations. Sometimes, it's cheaper for you to get a prescription without using your health insurance. Use the option that gives you better savings.
Do you best to find out the difference before you use your insurance.
5. While shopping for low cost health insurance make sure that you don't become carried away by just the cheapest California health insurance rate. You don't want a very low quote that does not offer you the desired value. And, doing extensive shopping is crucial to getting the best price/value. But be prepared to pay slightly more if need be to get the right health insurance coverage for you.
Take note of this because a number of low rates are so because they have much value to offer you. Such cheap health insurance quotes won't be a wise choice due to the fact that you're not getting the right coverage for you.
Finally, make sure you get and compare health insurance quotes from not less than five reputable quotes sites. I recommend that you use at least five quotes sites since that will make it less likely that you'll miss out offers not given by the other sites. This offers you a broader basis for doing better comparisons thus increasing your chances of realizing more savings.
Here are my favorite quotes sites...
Get Free No-Obligation Quotes Now
Best Health Insurance Quotes In Minutes
Monday, January 5, 2009
Sunday, January 4, 2009
Cheap Health Insurance In California -- Sure Steps For Those Who Want It
You can get cheap health insurance in California if you can make some readjustments and also take the time to implement some tips. You really can do something about paying less. Here are tips you can use right away...
1. Ask your agent personally about all the discounts available to you with your chosen State of California health insurance provider. There's a possibility that your agent has left one or two out. You will lower the probability of this happening to you if you make it a point of duty to ask your agent seriously to tell you of every discount that is possible. You might be in for a really pleasant surprise!
2. Your drug cost may sometimes be less than your co-pay. Sometimes, it is better for you to get a prescription without the use of your health insurance. Determine which is applicable in each situation and do what profits you more. Always find out the difference before you use your insurance.
3. That extra weight is making it difficult for you to get cheap health insurance in California. An insured's Body Mass Index (BMI) is a serious factor that affects what an individual pays as health insurance rate.
The lower a person's BMI rating, the cheaper their health insurance premium will be. Your weight is too much for your height and sex if your BMI is high. Put more effort into shedding excess weight as losing as little as a few pounds could give you another Body Mass Index rating which means lower rates.
4. Joining an HMO will help reduce your health insurance cost. They are normally less expensive than buying traditional health insurance. With a lower cost come restrictions in the doctors, health care professionals and hospitals you can use.
For individuals who want total freedom of choice in whom and where to get medical care, a traditional health insurance plan is your only option.
For such people, cost can be reduced by a great margin if they take the time out to shop extensively for cheap rates in regular health insurance. That's how you would be able to get cheaper rates for traditional health insurance.
However, if you are willing to take the limited choices, you'll pay cheaper rates with an HMO.
5. If you're a drinker your health insurance rates will be higher than another profile that doesn't. Drinking increases your health risk. You are aware that a lot of diseases are made more likely by heavy drinking.
What quantity of alcohol can you take without any side effect? Honestly, I do NOT know. What I know is the fact that avoiding alcohol use is would help a lot. If you can't stop drinking totally, drink in moderation if you want to reduce your risk.
It is just that for most people drinking responsibly is even more difficult than staying away completely. You can be assisted if you truly want to quit drinking.
Whatever your lifestyle, though, here's one step that will guarantee cheaper health insurance in California...
Get and compare health insurance quotes for the State of California from at least five reputable quotes sites. I recommend that you use at least five quotes sites because that will make it less likely that you'll miss out better quotes not given by the other sites. This provides you a broader basis for doing better comparisons thus increasing your chances of finding better quotes.
Here are my favorite quotes sites...
Get Free No-Obligation Quotes Now
Best Health Insurance Quotes In Minutes
1. Ask your agent personally about all the discounts available to you with your chosen State of California health insurance provider. There's a possibility that your agent has left one or two out. You will lower the probability of this happening to you if you make it a point of duty to ask your agent seriously to tell you of every discount that is possible. You might be in for a really pleasant surprise!
2. Your drug cost may sometimes be less than your co-pay. Sometimes, it is better for you to get a prescription without the use of your health insurance. Determine which is applicable in each situation and do what profits you more. Always find out the difference before you use your insurance.
3. That extra weight is making it difficult for you to get cheap health insurance in California. An insured's Body Mass Index (BMI) is a serious factor that affects what an individual pays as health insurance rate.
The lower a person's BMI rating, the cheaper their health insurance premium will be. Your weight is too much for your height and sex if your BMI is high. Put more effort into shedding excess weight as losing as little as a few pounds could give you another Body Mass Index rating which means lower rates.
4. Joining an HMO will help reduce your health insurance cost. They are normally less expensive than buying traditional health insurance. With a lower cost come restrictions in the doctors, health care professionals and hospitals you can use.
For individuals who want total freedom of choice in whom and where to get medical care, a traditional health insurance plan is your only option.
For such people, cost can be reduced by a great margin if they take the time out to shop extensively for cheap rates in regular health insurance. That's how you would be able to get cheaper rates for traditional health insurance.
However, if you are willing to take the limited choices, you'll pay cheaper rates with an HMO.
5. If you're a drinker your health insurance rates will be higher than another profile that doesn't. Drinking increases your health risk. You are aware that a lot of diseases are made more likely by heavy drinking.
What quantity of alcohol can you take without any side effect? Honestly, I do NOT know. What I know is the fact that avoiding alcohol use is would help a lot. If you can't stop drinking totally, drink in moderation if you want to reduce your risk.
It is just that for most people drinking responsibly is even more difficult than staying away completely. You can be assisted if you truly want to quit drinking.
Whatever your lifestyle, though, here's one step that will guarantee cheaper health insurance in California...
Get and compare health insurance quotes for the State of California from at least five reputable quotes sites. I recommend that you use at least five quotes sites because that will make it less likely that you'll miss out better quotes not given by the other sites. This provides you a broader basis for doing better comparisons thus increasing your chances of finding better quotes.
Here are my favorite quotes sites...
Get Free No-Obligation Quotes Now
Best Health Insurance Quotes In Minutes
Saturday, January 3, 2009
California Health Insurance Online Quote -- Do These If You Want The Most Affordable
California health insurance online quote: You can pay twice or more for a comparable coverage just because you do not know a few things. Thankfully, this article will show you a few things that when combined could help you pay less by as much as 50%. Here we go...
1. It pays to stay with the same insurer. A number of insurance providers will give you discounts of around 5% once you stick to them for over three years while others will give you discounts for staying up to 5 years. A longer stay will attract more discounts.
2. You can reduce your health insurance costs by registering with an HMO. They are generally more affordable than opting for traditional health insurance. Just bear in mind that with the cheaper cost also come restrictions in the hospitals and medical professionals you can use.
If what you think you compromise in the limited choices an HMO allows is much more than the advantages, you can still go for regular health insurance.
3. The pharmaceutical industry has big brand names. You'll raise your health insurance costs if you use big brand name drugs. Just in case you don't know, the law demands that all drugs must have the same active ingredients whether they are brand name or generic. Where they can have any dissimilarity is in the inactive agents.
The truth remains that you only spend more when you buy a big brand name drug and do NOT enjoy anything extra in value. But take the time to ask a doctor you can truly trust about this before you settle for any drug.
4. Some folks find themselves in a situation where they are not eligible for Medicaid and also find it difficult to pay for regular health insurance. If you are one of such, then you can save on health care by going for a discount medical card. So what are they?
Such a card lets you use a network of doctors who are contracted to render services at more affordable rates to all card carriers. They aren't normally provided by any health insurance company.
If you have been declared ineligible for regular health insurance because of your medical history or think your health insurance premium is too high then you can lower your cost by making use of this kind of card. This kind of card does not exclude anyone for any reason.
All you have to do is pay a cheap monthly fee and you will be eligible to use the services of a network of health care providers at a reduced rate.
5. Knowledge will determine how easily you'll get very affordable California health insurance online quotes. You will be able to make decisions that will get you the best. You need a certain level of knowledge for you to see opportunities and as well know how to take them.
You can get help on health matters from government agencies by calling their number toll-free. To get more information, call the National Health Information Center at 1-800-336-4797.
Whatever you do, do NOT miss this...
You can save a lot of dollars by visiting not less than five reputable quotes sites while shopping for the best online California health insurance quote. The difference in rate quotes between insurers could range from as little as a few dollars to over a thousand.
Here are my favorite quotes sites...
Get Free No-Obligation Quotes Now
Best Health Insurance Quotes In Minutes
1. It pays to stay with the same insurer. A number of insurance providers will give you discounts of around 5% once you stick to them for over three years while others will give you discounts for staying up to 5 years. A longer stay will attract more discounts.
2. You can reduce your health insurance costs by registering with an HMO. They are generally more affordable than opting for traditional health insurance. Just bear in mind that with the cheaper cost also come restrictions in the hospitals and medical professionals you can use.
If what you think you compromise in the limited choices an HMO allows is much more than the advantages, you can still go for regular health insurance.
3. The pharmaceutical industry has big brand names. You'll raise your health insurance costs if you use big brand name drugs. Just in case you don't know, the law demands that all drugs must have the same active ingredients whether they are brand name or generic. Where they can have any dissimilarity is in the inactive agents.
The truth remains that you only spend more when you buy a big brand name drug and do NOT enjoy anything extra in value. But take the time to ask a doctor you can truly trust about this before you settle for any drug.
4. Some folks find themselves in a situation where they are not eligible for Medicaid and also find it difficult to pay for regular health insurance. If you are one of such, then you can save on health care by going for a discount medical card. So what are they?
Such a card lets you use a network of doctors who are contracted to render services at more affordable rates to all card carriers. They aren't normally provided by any health insurance company.
If you have been declared ineligible for regular health insurance because of your medical history or think your health insurance premium is too high then you can lower your cost by making use of this kind of card. This kind of card does not exclude anyone for any reason.
All you have to do is pay a cheap monthly fee and you will be eligible to use the services of a network of health care providers at a reduced rate.
5. Knowledge will determine how easily you'll get very affordable California health insurance online quotes. You will be able to make decisions that will get you the best. You need a certain level of knowledge for you to see opportunities and as well know how to take them.
You can get help on health matters from government agencies by calling their number toll-free. To get more information, call the National Health Information Center at 1-800-336-4797.
Whatever you do, do NOT miss this...
You can save a lot of dollars by visiting not less than five reputable quotes sites while shopping for the best online California health insurance quote. The difference in rate quotes between insurers could range from as little as a few dollars to over a thousand.
Here are my favorite quotes sites...
Get Free No-Obligation Quotes Now
Best Health Insurance Quotes In Minutes
Friday, January 2, 2009
California Cheap Health Insurance -- Sure Ways To Get It
California cheap health insurance: You can get cheap and affordable health insurance in California if you take certain steps. Your rate is calculated based on a number of factors. You can do nothing about some but you can do a lot about a lot of them. We'll touch a number of those factors in this article along with other things that will help you save...
1. Smokers have health insurance rates that are double or more that of non-smokers. It is no longer debatable that smoking is the leading cause of cancer and other terminal diseases.
It costs health insurance carriers a lot more to give health insurance to smokers because of their high risk. This makes it impossible for you to get cheap California health insurance as a smoker. However, once you stop smoking for about 12 months and inform your current insurer or reapply to another insurer, you'll see a remarkable slash in your health insurance rates.
2. If you opt to pay your premiums monthly, you'll attract higher health insurance rates. The ads may show that paying monthly is easy but what you're not told is how much more you pay for this.
If you do transactions with banks you'll agree with me that each check you process is regarded as transaction which attracts a certain charge. All through a year, your monthly checks would be processed differently since they are all different transactions. You'll then have to pay the total of 12 transaction charges.
That's just part of it: Insurance companies also incur higher administrative costs for your monthly payments. A good example of such is the expense associated with sending out payment notices.
These costs plus a profit margin for this "value-added service" is factored into your health insurance rates making it more than a comparable profile that pays yearly every year.
3. Your California health insurance rate will be cheaper if you raise your deductible. For people who don't know what a deductible is, it is an amount you will contribute before an insurer pays according to your policy's terms. Therefore, make it as high as you can within easy reach.
4. You might be missing some discounts you qualify for with your preferred insurer just because you are not aware of them. Since agents too are not above mistakes they might not remember to tell you about some discounts you should take advantage of. You will discover simply by telling your agent that you want to be sure you've been informed about every discount there is. Do not be shocked if you discover some that you've not heard of.
5. Your drug cost may sometimes be cheaper than your co-pay. There are instances where it will cost you less if you don't use your insurance but buy a prescription from your purse. Do whichever gives you bigger savings. Checking each time will let you make massive savings over time.
Despite all you do you'll not be doing all you should to get California cheap health insurance if you do not get and compare quotes from five or more sites.
I advise that you use at least five quotes sites because that will make it less likely that you'll miss out better quotes not given by the other sites. This gives you a broader basis for doing more extensive comparisons thereby increasing your chances of landing better quotes.
Here are my favorite quotes sites...
Get Free No-Obligation Quotes Now
Best Health Insurance Quotes In Minutes
1. Smokers have health insurance rates that are double or more that of non-smokers. It is no longer debatable that smoking is the leading cause of cancer and other terminal diseases.
It costs health insurance carriers a lot more to give health insurance to smokers because of their high risk. This makes it impossible for you to get cheap California health insurance as a smoker. However, once you stop smoking for about 12 months and inform your current insurer or reapply to another insurer, you'll see a remarkable slash in your health insurance rates.
2. If you opt to pay your premiums monthly, you'll attract higher health insurance rates. The ads may show that paying monthly is easy but what you're not told is how much more you pay for this.
If you do transactions with banks you'll agree with me that each check you process is regarded as transaction which attracts a certain charge. All through a year, your monthly checks would be processed differently since they are all different transactions. You'll then have to pay the total of 12 transaction charges.
That's just part of it: Insurance companies also incur higher administrative costs for your monthly payments. A good example of such is the expense associated with sending out payment notices.
These costs plus a profit margin for this "value-added service" is factored into your health insurance rates making it more than a comparable profile that pays yearly every year.
3. Your California health insurance rate will be cheaper if you raise your deductible. For people who don't know what a deductible is, it is an amount you will contribute before an insurer pays according to your policy's terms. Therefore, make it as high as you can within easy reach.
4. You might be missing some discounts you qualify for with your preferred insurer just because you are not aware of them. Since agents too are not above mistakes they might not remember to tell you about some discounts you should take advantage of. You will discover simply by telling your agent that you want to be sure you've been informed about every discount there is. Do not be shocked if you discover some that you've not heard of.
5. Your drug cost may sometimes be cheaper than your co-pay. There are instances where it will cost you less if you don't use your insurance but buy a prescription from your purse. Do whichever gives you bigger savings. Checking each time will let you make massive savings over time.
Despite all you do you'll not be doing all you should to get California cheap health insurance if you do not get and compare quotes from five or more sites.
I advise that you use at least five quotes sites because that will make it less likely that you'll miss out better quotes not given by the other sites. This gives you a broader basis for doing more extensive comparisons thereby increasing your chances of landing better quotes.
Here are my favorite quotes sites...
Get Free No-Obligation Quotes Now
Best Health Insurance Quotes In Minutes
Thursday, January 1, 2009
California Health Insurance Short Term – How You Too Can Make Massive Savings
Here are ways to save if you're shopping for California health insurance (short term). Some will require some lifestyle adjustment on your part; others will require just a little time investment. But if all the tips are relevant to you and you apply them, you'll save up to 50% or more.
1. Buying your short term health insurance from the same insurance company that provides your other insurance policies will get you a discount. Every insurance company will usually offer a discount if you buy more than one policy from their company.
Nevertheless, it may not serve your best interest to do this as you might have more savings if you buy each of your policies from different insurers.
2. Dangerous sports get you higher health insurance rates. If you truly want to lower your California short term health insurance premium then switch to safer sports.
Before we go further on savings, take note of this...
A very affordable California health insurance (short term) rate is good but make sure you don't get blinded by making it the only factor. You want a low rate that also gives you much value. And, shopping right is vital to getting the best price/value. Howbeit, if you are required to pay little more for the right coverage, then do just that.
In a number of situations very cheap rates also come with great value but at other times they may have a poor quality. In such situations, the cheapest won't be the best but the best for you is always the best deal on the long run.
Back to our savings tips...
3. Smokers have health insurance rates that are double or more that of non-smokers. Smokers are more prone to die at a tender age and are also more likely to suffer many deadly diseases.
This increases their risk to a health insurance carrier and therefore increases their rates considerably. It's up to you to quit smoking and then re-apply after twelve months if your desire is to see your health insurance rates brought low by up to 50%.
4. Your California health insurance premium will drop if you increase your deductible. For folks who don't understand what a deductible is, it is an amount you will contribute before your insurer pays according to your policy's terms. Not minding the fact that you're advised to opt for a very high deductible, be certain that it's an amount that you can easily pay.
5. Get and compare California health insurance (short term) quotes. I recommend that you use a minimum of five quotes sites as doing that will ensure you do not miss out offers not given by the other sites. This provides you a broader basis for doing more extensive comparisons thus increasing your chances of landing better quotes.
Here are my favorite quotes sites...
Get Free No-Obligation Quotes Now
Best Health Insurance Quotes In Minutes
1. Buying your short term health insurance from the same insurance company that provides your other insurance policies will get you a discount. Every insurance company will usually offer a discount if you buy more than one policy from their company.
Nevertheless, it may not serve your best interest to do this as you might have more savings if you buy each of your policies from different insurers.
2. Dangerous sports get you higher health insurance rates. If you truly want to lower your California short term health insurance premium then switch to safer sports.
Before we go further on savings, take note of this...
A very affordable California health insurance (short term) rate is good but make sure you don't get blinded by making it the only factor. You want a low rate that also gives you much value. And, shopping right is vital to getting the best price/value. Howbeit, if you are required to pay little more for the right coverage, then do just that.
In a number of situations very cheap rates also come with great value but at other times they may have a poor quality. In such situations, the cheapest won't be the best but the best for you is always the best deal on the long run.
Back to our savings tips...
3. Smokers have health insurance rates that are double or more that of non-smokers. Smokers are more prone to die at a tender age and are also more likely to suffer many deadly diseases.
This increases their risk to a health insurance carrier and therefore increases their rates considerably. It's up to you to quit smoking and then re-apply after twelve months if your desire is to see your health insurance rates brought low by up to 50%.
4. Your California health insurance premium will drop if you increase your deductible. For folks who don't understand what a deductible is, it is an amount you will contribute before your insurer pays according to your policy's terms. Not minding the fact that you're advised to opt for a very high deductible, be certain that it's an amount that you can easily pay.
5. Get and compare California health insurance (short term) quotes. I recommend that you use a minimum of five quotes sites as doing that will ensure you do not miss out offers not given by the other sites. This provides you a broader basis for doing more extensive comparisons thus increasing your chances of landing better quotes.
Here are my favorite quotes sites...
Get Free No-Obligation Quotes Now
Best Health Insurance Quotes In Minutes
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