Cheap But High Quality Health Insurance In California -- Try The Following Tips If You Want To Pay Less

How can any person out there get low cost California health insurance that does not downgrade their coverage quality? There are tips you must understand and implement if you're really committed to getting big discounts. Here are some of such things...

1. The pharmaceutical industry has big brand names. If you buy name brand drugs, your premium will go up. But will you believe it if I told you that all generic drugs are required by law to have the exact same percentage of active ingredients as brand name drugs? Where they are free to have any dissimilarity is in the inactive ingredients.

The truth then is that you only pay more when you use an established brand name drug and do NOT get anything more in value. Nevertheless, make sure you ask a doctor you can really trust about this before you settle for any drug.

2. You'll attract cheaper premiums if you make your payments by Electronic Funds Transfer (EFT). it authorizes your bank to credit your insurer with your premium payments automatically until you stipulate otherwise. This brings down administrative costs like those involved in sending payment notices. This is why this results in discounts.

3. For folks who have a pre-existing condition that makes it hard or too expensive for them to enjoy private individual health care coverage, the Consolidated Omnibus Budget Reconciliation Act of 1985 (COBRA) insurance could give a cheaper alternative.

4. People who operate home businesses are offered a special chance to save in some states. Such states make it mandatory that insurance providers offer home based businesses similar rates with other (larger) businesses.

In several states your home business qualifies for a group rate provided it has one employee.

You can have your wife/husband or older kid work as a member of staff. Moreover, you will still be eligible if that single employee works only part time.

This will give your substantial savings as group rates are usually lower than individual rates.

To know if your state gives such or if your home business qualifies, visit your state's department of insurance.

5. Although you are advised against self-medication, there are situtions where you should not visit a doctor. For instance, your doctor can really do nothing for you if you have a cold or flu. Your doctor will likely do things you should have done for yourself at home in a case like that.

There is no way you can justify spending $100 for something you should have handled on your own. I also believe there are little home incidents that your first aid box will take good care of.
It is better to know how to take care of simple home incidents especially if you have children. There are many things that you can (and should) take care of if you have taken the time to learn and as well have a well-stocked first aid box.

However, if you do not know what to do, go ahead visit your doctor. And a word of caution to those who may think they know so much (while they are not trained medical personnels) know what you should not even attempt unless there's no way to get to a doctor on time. There are cases you're not meant to even attempt if you are not a medical professional. Handle what you should and allow your doctor do those he/she should. If you do this right you will spend less in health insurance and at the same time not endanger lives.

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