Cheap But High Quality Medical Insurance In California -- What To Do If You Want It

Do you want to get superior California medical insurance for a lot less? If you must enjoy huge discounts, then you must NOT miss certain things. I'll share some of them here...

1. There are drugs that are big brand names. Drugs that have such brand names cost a lot more than equally-effective drugs with less brand recognition and so raise your cost. But did you know that every generic drug has the same active ingredients as its big brand name version? Where the dissimilarities start and end are in their choice of inactive ingredients.

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

2. You'll get more affordable rates if you make your payments by Electronic Funds Transfer (EFT). This just means your insurer takes your premiums automatically from your account at specified periods without mailing you payment notices. This reduces an insurer's overhead by removing the necessity of payment notices or checks. This is why this results in discounts.

3. If in your case it's difficult to find a willing traditional California medical insurance provider due to an unfavorable medical history you can go for COBRA insurance. For those who don't know COBRA is the acronym for Consolidated Omnibus Budget Reconciliation Act of 1985.

4. You can save much on health insurance in a number of states if you are a home business owner. Such states demand that insurance companies offer home based businesses the same rates with other (larger) businesses.

In several states a home business is eligible for a group rate once it has one employee.

The cheery news is that the member of staff could be your wife or your older child who works with you. Moreover, you will still be eligible if that single staff works only part time.

This will give your reasonable savings because group rates are usually lower than individual rates.

You can check if home businesses that are qualified for group rates in your state by visiting your state's department of insurance or its equivalent.

5. Even though you are advised against self-medication, there are times when you shouldn't see a doctor. Good example are viral infections like flu about which your doctor can really do nothing. We all know that your doctor cannot do you much good if you have a viral infection.

There's no way you can justify spending $100 for something you should have dealt with on your own. I also think there are a few home incidents that your first aid box will take good care of.
Learn simple first aid procedures. Most of those emergencies would be well attended to if you take some time out to learn a little about first aid and also have a good first aid kit.

However, it is better to err on the side of caution and see a doctor if you're not certain. And, even for those who do have some experience with first aid, don't forget your limits. There are things you are not supposed to even attempt if you are not a medical doctor. Having the right balance is important in this and such matters. If you do this right you will pay less in health insurance and still not endanger lives.
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