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Do you want to get superior health insurance for a lot less? There are things you must take note of and implement if you’re really serious about getting big discounts. Following are some of such things…

1. There are drugs that are big brand names. You’ll raise your rates if you use big brand name drugs. But are you aware that every generic drug has the same active agents as its big brand name version? The inactive agents are the only dissimilarities between generic drugs and brand names.

So by going for brand names you really aren’t enjoying more value in spite of the fact that you are paying a lot more. Nevertheless, make sure you ask a doctor you can really trust about this before you make your final decision.

2. A simple but effective way of reducing your premium is by authorizing an EFT (Electronic Funds Transfer). This process authorizes your bank to credit your insurance provider with your premiums without any intervention from you until you advise otherwise. This saves an insurer’s overhead by eliminating the need for payment notices or checks. Your premium is therefore brought down in line with the cheaper cost of giving you insurance.

California Health Insurance Quote

3. The Consolidated Omnibus Budget Reconciliation Act of 1985 (COBRA) insurance is a good option for cheap coverage if you have a pre-existing condition that makes regular individual health insurance hard to get or too expensive.

4. You can save much on health insurance in some states if you are a home business owner. Such states make it mandatory that insurance companies offer home based businesses the same rates as they do other (larger) businesses.

In other states a home business is eligible for a group rate provided it has one employee.

The good part is that the member of staff could be your wife or grown kid who works for you. You will still qualify for such group rates if that workers is only part time.

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

To find out if you are eligible or even if your state has such offer, call your state’s department of insurance, department of financial services or their equivalent.

5. There are situations for which you really should not see a doctor. For example, your doctor can really do nothing for you if you have a cold or viral infections. Applying some home remedies will actually help in those situations. It is generally known that doctors can’t do you much good if you have a viral infection.

There is no way you can justify spending $100 for something you should have done on your own. Other instances are little bruises that just simple first aid will handle properly. It is to your advantage to learn how to handle simple home incidents especially if you have kids. Learning a few little things and having a well-stocked first aid box will help you save considerably on unnecessary visits to a doctor.

But that said, it’s better to err on the side of caution and go to a doctor if you are unsure. But, please, know your limits and know that there are things you must refer to a doctor even if you know what to do. You are not permitted by law to attempt some things unless you are a certified medical practitioner even if you know what to do. Just learn to treat what you should handle on your own and don’t attempt what you should not. This will reduce your visits to the doctor and, as well, bring down your rates.

Get more tips here: Individual Health Insurance Quote Online and Cheap California Health Insurance. Chimezirim Odimba is a financial expert.