Affordable Health Insurance In California -- Apply These Tips If You Want To Pay Less

How can anyone out there enjoy cheap California medical insurance that does not downgrade their coverage quality? There are things you must understand and implement if you're really serious about getting huge discounts. Here are a few of such things...

1. There are drugs that are big brand names. Drugs that have such brand names are more expensive than equally-effective drugs with less brand recognition and so increase your premium. Just in case you don't know, the law stipulates that every drug must have the same active ingredients notwithstanding if they are brand name or generic. Where they can have any difference is in the inactive agents.

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

2. You'll be given cheaper rates if you make your payments by Electronic Funds Transfer (EFT). By doing this you authorize an insurance carrier to automatically withdraw your payments from your account at specified intervals. This brings down administrative costs like those involved in mailing payment notices. Your insurance provider passes part of what they save to you by reducing your rates.

3. If you find it hard to find a willing regular California medical insurance carrier due to a pre-existing sickness you can apply for COBRA insurance. By the way COBRA is the acronym for Consolidated Omnibus Budget Reconciliation Act of 1985.

4. Those who run home businesses are given a unique chance to save by certain states. States that offer this opportunity have laws that make it compulsory that insurance carriers offer home business owners the same rates with large businesses.

Employing just a staff qualifies a home business for such cheap rates in a number of states.

Always remember that a member of your household who works with you in a home business is taken as a staff. The good thing is that such an employee doesn't have to be full time for you to meet eligibility requirements.

Group rates are generally lower so ensure that you take advantage of this if you're a home business owner.

To to find out if your state gives such or if your home business is eligible, visit your state's department of insurance.

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. Clear example are viral infections like flu for which your doctor can really do nothing. Using some home remedies will actually help in such situations. There are easy steps you should apply and if you go to the doctor you will pay and still be given the same remedies.

There is no way you can justify spending $100 for something you should have handled on your own. This is also true of simple first aid treatment.
If you don't know these simple things spend time reading books on them especially if you have little kids. Most of those incidents would be well attended to if you spend time learning a little about first aid and also have a good first aid box.

But even in those cases if you're not certain of what to do go and see a doctor since it's better to lose money than to endanger your life. And, even for those who do are versed in first aid, know your boundaries. There are things you're not supposed to even attempt if you are not a medical professional. Do what you should and let your doctor handle those he/she should. This will decrease your visits to the doctor and, as well, lower your cost.

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