Cheap Health Insurance In California -- Steps to The Best Rates

Do you want to get superior California health insurance for a lot less? If you must enjoy huge discounts, then you must NOT forget certain things. I'll share a good number of them in this article...

1. There are drugs that are big brand names. You'll raise your costs if you use big brand name drugs. But did you know that all generic drugs are required by law to include the exact same measure of active agents as brand name drugs? The inactive agents are the only dissimilarities between generic drugs and brand names.

This simply suggests that what you get from brand name drugs is the same thing you get from generic drugs of similar specification. Discuss with your doctor about this.

2. You'll get lower premiums if you pay by Electronic Funds Transfer (EFT). This simply means your insurer withdraws your premiums automatically from your account each month without mailing you payment notices. This saves costs by removing the need for payment notices or checks. This is why this attracts discounts.

3. The Consolidated Omnibus Budget Reconciliation Act of 1985 (COBRA) insurance is a good choice for affordable coverage if you have a pre-existing illness that makes regular individual California medical insurance difficult or more costly.

4. Several states provide home business owners a chance to reduce their cost. Those states demand that insurance companies offer home based businesses similar rates as they do other (bigger) businesses.

In other states a home business qualifies for a group rate once it has one employee.

Don't forget that a member of your family who works with you in a home business qualifies as a staff. The interesting thing is that such a worker mustn't be full time for you to be eligible.

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

To check 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 cases for which you really should not visit a doctor. Take, for instance, a viral infection like flu. A visit to your doctor will really make no difference in your health if you understand the right right steps to take. Your doctor will likely do things you should have done on your own at home in a case like that.

If your doctor cannot do anything about a health condition then I think it's not advisable to spend about $100 to see him or her. Other examples are minor cuts that just simple first aid will handle properly.
It is better to learn how to take care of simple home incidents especially if you have children. Learning a few simple things and having a well-equiped first aid box will help you save considerably on unnecessary visits to a doctor.

But that said, it is better to err on the side of caution and see a doctor if you are unsure. But, please, know your bounds and be aware that there are situations you must take to a doctor even if you know what to do. There are things you are not supposed to even attempt if you're not a medical professional. Having the right balance is necessary in this and such matters. You will pay less on your California medical insurance without endangering yourself or yours if you do this.

Get Health Insurance Quotes, Compare Plans And Save Much Now!
Get Quick Free NO-Obligation Quotes Now And Save!