Low Cost Medical Insurance In California -- Tips The Best Rates

What can you do to pay far less for sufficient California medical insurance? If you must get big discounts, then you must NOT miss certain things. Here are a few of such things...

1. The pharmaceutical industry has big brand names. You'll raise your costs if you buy big brand name drugs. But are you aware that all generic drugs are constrained by law to have the same active agents as brand name drugs? Where they can have any dissimilarity is in the inactive ingredients.

This simply means that what you receive in brand name drugs is the same thing you get from generic drugs of the same specification. Discuss with your doctor about this.

2. Electronic Funds Transfer (abbreviated as EFT) is an easy way to lower your premium. By doing this you authorize your insurer to automatically withdraw your payments from your account at specified intervals. This reduces costs by eliminating the necessity of payment notices or checks. Your premium is therefore brought down to reflect the lower cost of providing insurance to you.

3. For people who have a health condition that makes it difficult or costlier for them to get private individual health insurance, the Consolidated Omnibus Budget Reconciliation Act of 1985 (COBRA) insurance would give a cheaper alternative.

4. You can make huge savings on health insurance in some states if you are a home business owner. This is because home based businesses are offered the same low rates that insurance companies offer their bigger counterparts.

Having just a staff makes a home business eligible for such cheap rates in several states.

You can have your wife/husband or grown up child to work as a member of staff. The interesting thing is that such an employee does not have to work full time for you to be eligible.

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

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

5. Even though you are warned against self-medication, there are times when you shouldn't visit a doctor. For instance, your doctor can really do nothing for you if you have a cold or flu. There are easy steps you should take and if you go to the doctor you'll pay and still be given the same remedies.

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 also relevant to simple first aid treatment.
Teach yourself simple first aid procedures. Most of those incidents would be well attended to if you spend time learning a little about first aid and also have a good first aid kit.

But that said, it is better to err on the side of caution and go to a doctor if you are unsure. And a word of caution to people 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. You're not simply allowed by law to do some things unless you are a certified medical professional even if you know what to do. Handle what you should and let your doctor do those he/she should. This will decrease your visits to the doctor and, consequently, bring down your rates.
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