Cheap Medical Insurance In California -- Proven Steps To Huge Discounts

Do you want to enjoy adequate California medical insurance at very affordable rates? If you must attract huge discounts, then you must NOT miss certain things. Following are some of such things...

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 increase your rate. But did you know that every generic drug has the same active ingredients as its big brand name counterpart? Where the differences start and end are in their selection of inactive ingredients.

So by going for brand names you surely aren't enjoying added value even though you are paying a lot more. However, consult your doctor before making this decision.

2. You'll be given cheaper rates if you make your payments by Electronic Funds Transfer (EFT). This simply means your insurer takes your premiums automatically from your account at specified periods without sending you payment notices. This removes administrative overheads like those involved in sending payment notices. This is why this results in discounts.

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

4. You can save much on health insurance in a number of states if you are a home business owner. Those states demand that insurance providers offer home based businesses similar rates with other (bigger) businesses.

In several states a home business qualifies for a group rate once it employs a staff.

You can have your wife/husband or grown up child to work as a member of staff. The interesting thing is that such a worker must not be full time to qualify you.

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

To to find out if your state provides such or if your home business is qualified, contact your state's department of insurance.

5. There are cases for which you really shouldn't visit a doctor. For example, your doctor can really do nothing for someone who has a cold or viral infections. Your doctor will likely do things you should have done for yourself at home in a situation like that.

If your doctor cannot do anything about a health condition then I think it is not advisable to spend about $100 to see him or her. This is also true of simple first aid treatment.
Learn simple first aid procedures. Most of those emergencies would be well attended to if you spend time learning a little about first aid and also have a good first aid box.

However, it's better to err on the side of caution and visit a doctor if you're not certain. And a word of caution to those who may think they have learnt so much (while they are not trained medical personnels) know what you should not even attempt except there's no way to get to a doctor on time. There are things you are not supposed to even attempt if you are not a medical professional. Having the right balance is important in this and other cases. You will spend less on your California medical insurance without endangering anyone if you do this.
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