Cheap But High Quality Medical Insurance In California -- Sure-Fire Tips For Big Savings

What can someone do to pay far less for adequate California medical insurance? There are things you must understand and implement if you're truly serious about getting big discounts. Following are some of such things...

1. There are drugs that are big brand names. If you buy name brand drugs, your premium will go up. But are you aware that every generic drug has the same active agents as its big brand name version? Where the dissimilarities begin and end are in their choice of inactive agents.

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

2. Electronic Funds Transfer, known as EFT is an easy way to reduce your rate. This just means your insurance provider withdraws your premiums automatically from your account at specified periods without mailing you payment notices. This reduces administrative overheads like those involved in sending payment notices. Your insurer passes part of what they save to you by bringing down your rates.

3. If in your case it's hard to get traditional California medical insurance carrier because of an unfavorable medical history you can go for COBRA insurance. By the way COBRA stands for Consolidated Omnibus Budget Reconciliation Act of 1985.

4. You can make reasonable savings on health insurance in certain states if you are a home business owner. States that offer this opportunity have regulations that make it compulsory that insurers give home business owners the same price with large businesses.

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

Do not forget that a member of your household who works for you in a home business qualifies as a staff. You will still qualify for such group rates if such an employee works just part time.

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

You can find out home businesses that are qualified for group rates in your state by checking with your state's department of insurance or its equivalent.

5. Although you're warned against self-medication, there are times when you should not see a doctor. Take, for instance, a viral infection like flu. Seeing your doctor will really make no difference in your health if you know what to do. Using some home remedies will really help in those conditions. We all know that your doctor can't do you much good if you have a viral infection.

There's no way you can justify spending $100 for something you should have done by yourself. Other instances are small cuts that just simple first aid will take care of.
Teach yourself simple first aid procedures. Learning a few simple things and having a well-stocked first aid box will help you save a lot on avoidable visits to a doctor.

But even in those cases if you're not certain of what to do visit a doctor since it is better to lose money than to endanger your life. And, even for those who do have some experience with first aid, know your boundaries. You're not permitted by law to do some things except you're a certified medical doctor even if you know what to do. Having the right balance is a must in this and such matters. You'll pay less on your California medical insurance without endangering yourself or yours if you do this.

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