Cheap But High Quality Health Insurance In California -- Time-Tested Steps To Massive Discounts

Do you want to get adequate California health insurance at very affordable rates? If you must attract big discounts, then you must NOT forget certain things. Following are some of such things...

1. There are established name brands in the pharmaceutical industry. Drugs that have such brand names are more expensive than comparable drugs and so increase your rate. For those who don't know, the law demands that all drugs must have the same active ingredients irrespective of if they are brand name or generic. Where the dissimilarities start and end are in their choice of inactive agents.

So by going for brand names you really aren't enjoying more value although you are paying a lot more. Nevertheless, consult your doctor before making this decision.

2. Electronic Funds Transfer, known as EFT is an easy way to bring down your premium. it authorizes your bank to credit your insurance provider with your premiums automatically until you stipulate to the contrary. This saves the insurance company in many ways such as removing the cost of mailing payment notices and the expense associated with processing checks. Your rate is therefore brought down to reflect the lower cost of providing insurance to you.

3. The Consolidated Omnibus Budget Reconciliation Act of 1985 (COBRA) insurance is a good option for cheap coverage if you have a pre-existing condition that makes traditional individual California medical insurance difficult or too expensive.

4. You can make good savings on health insurance in certain states if you operate a home business. Those states make it mandatory that insurance companies offer home based businesses the same rates with other (larger) businesses.

Having just a staff makes a home business eligible for such low rates in several states.

The good part is that the member of staff could be your spouse or grown kid who works for you. You'll still be eligible for such group rates if such an employee works only part time.

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

To find out if you are eligible or even if your state has such a provision, call your state's department of insurance, department of financial services or their equivalent.

5. There are things that you'd do well not to see a doctor about as it only increases your health care cost without any real benefit. Clear example are viral infections like flu about which your doctor can really do nothing. Your doctor will likely do things you should have done for yourself at home in a situation like that.

If your doctor can't do anything about a health condition then I think it's unwise to spend about $100 on a visit to him or her. Other instances are minor cuts that just simple first aid will handle properly.
Learn little first aid procedures. Most of those emergencies would be well taken care of if you spend time learning a little about first aid and also have a good first aid kit.

However, it is better to err on the side of caution and visit a doctor if you are unsure. And an advice to individuals who may believe they know so much (while they are not trained medical personnels) know what you should not even attempt except there's no way to get to a doctor on time. You're not permitted by law to handle some things except you're a certified medical professional even if you know what to do. Having the right balance is important in this and other matters. This will reduce your visits to the doctor and, also, reduce your cost.

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