Low Cost Health Insurance In California -- Steps To Take If You Want It

Do you want to enjoy adequate California health insurance for a lot less? If you must attract big discounts, then you must NOT fail to do certain things. I'll share a good number of them here...

1. The pharmaceutical industry has big brand names. If you buy such drugs, your premium will be more. But did you know that all generic drugs are required by law to include the same active ingredients as brand name drugs? The inactive ingredients are the only dissimilarities between generic drugs and brand names.

The truth remains that you only pay more when you use a big brand name drug and do NOT get anything extra in value. Ask your doctor about this.

2. You'll be given cheaper premiums if you pay by Electronic Funds Transfer (EFT). This just means your insurer withdraws your premiums automatically from your account at specified periods without sending you payment notices. This saves an insurer's overhead by eliminating the need for payment notices or checks. This is why this attracts discounts.

3. If you find it tough to find a willing private California medical insurance provider due to an unfavorable medical history you can make use of COBRA insurance. By the way COBRA is the acronym for Consolidated Omnibus Budget Reconciliation Act of 1985.

4. You can save much on health insurance in certain states if you operate a home business. States that offer this opportunity have laws that demand that insurance providers give home business owners the same rates with large businesses.

And all it takes for your home business to be eligible is just one employed worker.

Always remember that a member of your family who works with you in a home business qualifies as an employee. You'll still qualify for such group rates if that workers is only part time.

This option gives cheaper rates because group rates are normally lower than rates for individuals.

You can check if home businesses that are eligible for group rates in your state by visiting your state's department of insurance or its equivalent.

5. There are things that you would do well not to see a doctor about as it only adds to your health care spend without doing you any real good. Take, for instance, a viral infection like flu. Seeing your doctor will really make no difference in your health if you know the right right steps to take. We all know that your doctor can't do you much good if you have a viral infection.

There is no way you can justify spending $100 for something you should have dealt with on your own. This also relevant to simple first aid treatment.
It pays to learn how to take care of simple home incidents especially if you have kids. There are several things that you can (and should) handle if you've taken the time to learn and also have a well-stocked first aid box.

But that said, it's better to err on the side of caution and go to a doctor if you're unsure. And, even for those who do have some experience with first aid, remember your limits. There are cases you are not meant to even attempt if you are not a medical doctor. Just know what you should treat on your own and avoid what you shouldn't. If you do this right you will spend less in health insurance and still not put yourself at any risk.

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