Cheap But High Quality Medical Insurance In California -- Sure-Fire Tips For Huge Discounts

How can anyone out there enjoy cheap California medical insurance that does not downgrade their coverage quality? There are suggestions you must take note of and apply if you're really committed to getting big discounts. Following are some of such things...

1. There are established name brands in the pharmaceutical industry. Drugs that have such brand names are more expensive than comparable drugs and so increase your cost. But will you believe it if I told you that all generic drugs are required by law to have the exact same measure of active agents as brand name drugs? Where they can have any variation is in the inactive agents.

Therefore, by going for brand names you truly aren't getting more value even though you are paying a lot more. However, discuss this with your doctor before making this decision.

2. Electronic Funds Transfer (abbreviated as EFT) is a painless way to lower your rate. This just means your insurer withdraws your premiums automatically from your account each month without sending you payment notices. This saves the insurance company in many ways such as eliminating the cost of mailing payment notices and the cost associated with processing checks. An insurance provider passes part of what they save to you by bringing down your premium.

3. The Consolidated Omnibus Budget Reconciliation Act of 1985 (COBRA) insurance is a good option for affordable coverage if you have a pre-existing illness that makes regular individual California medical insurance hard to get or more costly.

4. Several states offer home business owners an opportunity to lower their rate. Such states demand that insurance providers offer home based businesses similar rates as they do other (bigger) businesses.

And all it takes for your home business to qualify is just one employed worker.

Always remember that a member of your family who works for you in a home business is taken as a staff. You'll still be eligible for such group rates if that workers is just part time.

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

To check if you qualify or even if your state has such a provision, call your state's department of insurance, department of financial services or their equivalent.

5. In spite of the fact that you're warned against self-medication, there are situtions where you shouldn't visit a doctor. Take, for example, a viral infection like flu. Seeing your doctor will really make no difference in your health if you know the right right steps to take. It's generally known that doctors can't do you much good if you have a viral infection.

There's no way you can justify spending $100 for something you should have handled by yourself. I also think there are a few home incidents that your first aid box will handle quite well.
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) handle if you have taken the time to learn and also have a well-stocked first aid box.

But that said, it's better to err on the side of caution and go to a doctor if you're unsure. And a word of caution to those who may believe they have learnt so much (while they are not trained medical personnels) know what you should not even attempt unless there is no way to get to a doctor on time. The law forbids you to do certain things if you are not a certified medical doctor. Having the right balance is a must in this and such cases. If you do this right you will pay less in health insurance and at the same time not put yourself at any risk.
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