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...
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