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For those who really want to pay a lot less for health insurance in California: A number of ways of lowering your rates do compromise the quality of coverage you enjoy and so are NOT advised. Be that as it may, you can pay much less for superior coverage if you know the things that matter and take necessary precautions. Following are tips that will not leave you with insufficient coverage …
1. For those who are self employed, your premiums may be tax-deductible. And you can also be entitled to a tax break if you have a flexible spending account. To to find out if this is true in your case discuss with your tax professional.
2. Buying your prescriptions online is a proven way to lower your health care costs. Buying by telephone may as well give you lower prices. The internet lowers the cost of doing business and pharmaceutical companies or groups who sell their drugs online do so at lower prices. But to ensure you are buying from a good company, check. Just go to BBB online and you'll know if you should buy from a specific company.
While we want to reduce our health care costs we also have to make sure we safeguard our health and our lives.
3. Shopping has always been the best way to get the best deals .. And the less stressful way to start is to inquire from your trusted acquaintances what their experiences with their providers are.
It is also a good way of getting the best value as you've make your choice on user experience and not any form of media hype. A friend will warn warn you if they got poor service from any insurance company. If you inquire from your friends and acquaintances you will severely fall into the wrong hands.
4. A simple but smart way of bringing down your rate is by authorizing an EFT (Electronic Funds Transfer). This process authorizes your bank to credit your insurance provider with your payments without any intervention from you until you advise to the contrary. This saves the insurance company in many ways such as eliminating the cost of mailing payment notices and the expense associated with processing checks. Your rate is there before bought in line with the cheaper cost of providing insurance to you.
5. A group health expense sharing plan is a good option to bring down your rate. This is a situation where a group of people teams up to provide them health insurance coverage. You can find such groups in large associations.
They generally have their own terms and decide on the type and level of coverage members get.
You can check out such groups, know what they offer and see if they can cater for your personal needs. Getting such a group that takes care of your needs will get you coverage at a lower rate.
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Source by Chimezirim Chinechem Odimba
