Low Cost Medical Insurance In California -- Tips To Apply If You Want It

Do you want to get superior California medical insurance at dirt cheap rates? If you must attract big discounts, then you must NOT fail to do certain things. Here are a few of such things...

1. There are established name brands in the pharmaceutical industry. Drugs that have such brand names cost a lot more than equally-effective drugs with less brand recognition and so increase your cost. But did you know that every generic drug has the same active ingredients as its big brand name counterpart? Where they can have any difference is in the inactive ingredients.

This simply means that what you get from brand name drugs is also what you get from generic drugs of the same specification. However, check this with your doctor before taking this decision.

2. You'll be given lower premiums if you pay by Electronic Funds Transfer (EFT). This authorizes your insurer to automatically withdraw your premiums from your account at specified intervals. This saves costs by removing the need for payment notices or checks. An insurance company passes part of what they save to you by reducing your rates.

3. For individuals who have a pre-existing condition that makes it difficult or too expensive for them to find private individual health insurance coverage, the Consolidated Omnibus Budget Reconciliation Act of 1985 (COBRA) insurance should provide a cheaper option.

4. People who operate home businesses are provided with a great opportunity to save in many states. This is because home based businesses are given the same low rates that insurance providers offer their bigger counterparts.

And all it requiries for your home business to be eligible is just one employee.

You can have your wife/husband or older kid work as an employee. You will still qualify for such group rates if such an employee works only part time.

This alternative gives lower rates due to the fact that group rates are normally cheaper than rates for individuals.

To know if your state gives such or if your home business meets eligibility requirements, visit your state's department of insurance.

5. There are cases for which you really should not visit a doctor. For example, your doctor can really do nothing for someone who has a cold or flu. It is generally known that doctors can't do you much good if you have a viral infection.

So does it make sense to spend close to $100 to see a doctor when you already know that your condition would not be helped much? Other examples are small 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 kids. There are several things that you can (and should) take care of if you've invested the time to learn and also have a well-equiped first aid box.

But that said, it's better to err on the side of caution and visit a doctor if you are not certain. But, please, know your bounds and know that there are cases you must take to a doctor even if you know what to do. You're not simply allowed by law to do some things unless you are a certified medical practitioner even if you know what to do. Do what you should and let your doctor handle those he/she should. This will reduce your visits to the doctor and, also, reduce your rates.
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