Tips For Cheaper California Medical Insurance

A number of suggestions for bringing down your rates actually compromise the scope of coverage you get and are, therefore, NOT smart. But here's a smarter suggestion: Apply the correct tips and do a few things right and you'll get considerable discounts Let's look deeper into this...

1. Vocations that are seen a hazardous attract more expensive premiums. You can bring down your rates if you change to another line of duty that will not expose you to hazards. Since a clerk in a a bookshop isn't exposed to any health hazards like a nuclear plant staff, he or she would pay more affordable rates.

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2. How much are you willing to pay out of your pocket each time you visit the doctor? The amount which you contribute is your co-pay. Increasing your co-pay brings down your premium. If you rarely ever go to visit a doctor, you should save a lot by choosing a high co-pay.

3. Even though this may not be a problem for most folks it should be mentioned...

The use of unregistered drugs will increase your rate. And where the use of certain drugs is approved, abusing them will as well make you attract higher rates. Self medication should be avoided both for the serious consequences to your health and rates.

4. Some people are not poor enough to qualify for plans for low-income earners and also have financial challenges that make standard California health insurance hard to pay for. A discount medical card is a more affordable alternative for people like that.

Such a card permits you to use a network of doctors who are contracted to provide their services at more affordable rates to all card carriers. This card is not managed by insurance companies.

It's as well a good option for individuals who may have a pre-existing health condition that will make them uninsurable with most California health insurance providers or make them pay very exorbitant rates. This type of card does not exclude anyone despite your medical condition. Simply make your monthly payments and you'll use a network of doctors who will bill you lower for their services.

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5. You can also save on rates by using phone med services. These are free community services that provide medical advice by phone round the clock. You have a minimum of a registered nurse with not less than ten years experience on hand to give you free medical advice you can trust. Local clinics will also give you free medical advice by phone in most cases.

This, normally, should reduce the number of visits you make to a doctor notwithstanding the fact that it does not take its place.

Moreover, you receive timely help that could help you take care of certain issues before they get out of hand. For these and other reasons, take advantage of these free medical services.

6. Buying your prescriptions online 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 overheads than brick and mortar businesses and this means that they can and (do sell) at cheaper prices. But if you choose to buy online do all within your power to find out a little about whom you are buying from because there are wolves online. It is very easy to verify by making use of a resource like BBB.

This is really very important as you don't want to endanger your life all in the name of trying to save money. Checking with BBB online and other such services will put you on the safe side while you buy at cheaper rates online.

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7. An easy but rewarding way of reducing your rate is by authorizing an EFT (Electronic Funds Transfer). This simply means your insurer takes your premiums automatically from your account each month without mailing you payment notices. This saves costs by eliminating the necessity of payment notices or checks. Your insurance company gives you part of what they save by reducing your premium.
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