Friday, November 6, 2009
Steps To Low Cost California Healthcare Insurance
Certain ways of reducing your rates actually compromise the level of coverage you enjoy and so are NOT advisable. But here's a smarter suggestion: Implement the right steps and do a few things right and you'll get considerable discounts These are tips that are good for you...
1. People whose occupations expose to hazards pay less affordable premiums. You can lower your premium if you switch to another profession that doesn't expose you to hazards. If your profession exposes you to toxic substances, for example, your rates will be much higher than that given to a similar profile who maybe works as a cashier in a shop.
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2. How much are you willing to contribute out of your pocket each time you visit the doctor? This is known as your co-pay. The higher the amount you choose as your co-pay, the lower your rates will be. This is highly recommended for people who hardly have to visit a doctor.
3. Even though this may not be an issue for most folks it should be said...
The use of unregistered drugs will raise your costs. Misusing drugs as well will make you spend more on California health insurance. Self medication should be avoided both for the serious consequences to your health and rates.
4. There are persons who may not qualify for special California health insurance for low-income earners and at the same time don't really earn enough to easily pay for standard California health insurance. If you are one of such individuals, you will benefit much from a discount medical card.
A discount medical card makes you eligible to take advantage of a network of doctors who are contracted to provide card carriers medical services at a lower rate. Such cards aren't managed by any California health insurance company.
You can use this option if you have a pre-existing condition that has made California health insurance carriers either reject you or give you a rate that is very expensive. One advantage of a discount medical card is that everyone is welcome. You only have to pay a monthly subscription to qualify to use their network of health care professionals.
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5. You can also save on costs by using phone med services. These are free community services that provide medical advice by phone 24/7. You have a minimum of a registered nurse with a minimum of 10 years experience on hand to offer free medical advice you can trust. Local clinics offer free medical advice by phone in most cases.
Even though this is not an alternative to visiting a doctor, they can actually reduce your cost by bringing down the number of times you see a doctor.
The help provided by them could also help you take safety measures that will prevent a serious health condition. For these and more reasons, take advantage of these free medical services.
6. Buying your prescriptions on the internet is a proven way to bring down your health care costs. You can also get cheaper prices if you buy by phone. Companies who sell online have lower costs than brick and mortar businesses and this means that they can and (do sell) at lower prices. Nevertheless, you will do well to check the company you are buying from so you do not put yourself at risk. Organizations like BBB can tell you if a company should be trusted or not so do not fail to check.
While we want to lower our health care costs we also have to make sure we safeguard our health. If you verify whom you buy from you'll save much while getting the best.
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7. An easy but smart way of reducing your rate is by authorizing an EFT (Electronic Funds Transfer). This simply means your insurance provider takes your premiums automatically from your account at specified periods without mailing you payment notices. This eliminates administrative overheads like those incurred when sending payment notices. This is why this results in cheaper premium.
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