California Medical Insurance -- 7 Tips To Reduce Cost

There are tips that will help you make massive savings without putting yourself at risk. Would you like to know them? Then read through and apply these time-tested steps to getting better rates...

1. Lose weight and your premium will drop. Your BMI or Body Mass Index is a very serious factor used to calculate your risk to an insurer.

A high Body Mass Index will always attract a high rate all other things being equal. You're overweight for your height and sex if your BMI is high. Now do not wait until when you can lose 30 pounds because dropping 5 pounds can drop you into a lower BMI rating which leads to more affordable rates.

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2. It's now clearly known that smoking causes higher rates. What people might not understand is that the same also applies if you use any other form of tobacco product. For example, you will attract a more expensive rate if you chew or snuff tobacco.

Therefore, you'll help yourself get cheaper rates if you stay away from tobacco use in any form.

3. If you drive recklessly then expect to pay expensive California health insurance rates. Speeding tickets and other traffic offences can effectively add to your California health insurance premium. The simple reason is that if you are such a driver, you will more probably need medical attention for crash related injuries than a very careful driver.

Therefore, driving better doesn't only save you much in your auto insurance, it also helps you get cheap rates in California health insurance. If you use a sports car or super bike, you will likely pay a huge sum for California health insurance. The higher probability of a crash means you could be injured and have to make a claim.

4. Don't get shortchanged by the lowest quote as you shop for low cost California health insurance. You don't want a cheap quote that does not offer you a good value to price ratio. Based on a number of factors, you can get really low quotes that include the quality you want if you shop extensively. But be ready to pay a little more if necessary to get adequate coverage.

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5. If you are the type that is hardly ever sick you'll make substantial savings by choosing catastrophic California health insurance instead. You are given coverage for those ailments or medical needs that may arise suddenly.

The best part of this policy is usually seen in situations where a health condition or accident results in very exorbitant medical bills that would otherwise destroy most people's life savings. Catastrophic California health insurance rates are usually very low.

Nevertheless, the deductibles are generally as much as $2,000 but they are certainly worth it considering that you rarely get sick and are protecting yourself in case a catastrophic sickness or accident befalls you.

6. There is a special type of savings account known as the Flexible Spending Account. You can put away tax-free dollars to take care of your health needs. The selling point about this account is that it allows you to roll over the amount unused into another year tax free. This offers you a tax free way of building big reserves of funds for your health needs.

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7. You can reduce your rates by avoiding alcoholic beverages. Heavy drinking makes you a bad risk and so gets you higher rates.

Most diseases are made more likely by taking alcohol.

How much alcohol would have a negative effect on you as a person? I can't really say as there are people who can take a bottle and still maintain their cool while some will drink just a sip and things start going wrong.

But here is what I am sure of: Staying away from alcohol totally will do you a world of good. So you can lower your rates (Apart from reducing the risk of developing certain health conditions) by avoiding alcohol if you can or drinking in real moderation if you can't.

The only problem is that people who say they cannot help drinking most often cannot drink in moderation. Seek help if you want to give up alcohol. There are groups that help alcoholics stop drinking.
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