California Medical Insurance Quotes
As the United States' population center and leading economic hotspot, California has one of the best health and hospital systems in the country. From inner-city urban hospitals to more laid back clinics in the state's immense northern countryside and southern deserts, healthcare in California is, in most ways, slightly further ahead in terms of flexibility and coverage than in other parts of the USA.
For Californians, this is a fairly good thing. Quality of care tends to be excellent, with several high-end private and public hospitals operating in California's major population centers. However, given the immense cost of living in many of California's biggest cities and most popular cultural hotspots, much of the state's 36 million-strong popular cannot afford effective health and medical insurance.
This is a major problem. Although California was a pivotal state in introducing the new healthcare regulations earlier this decade, much of the state's population is still without adequate medical and dental insurance. Entire families, particularly in the less wealthy sections of southern California or rural inner towns, are unable to afford anything but the most basic of health insurance options.
Add a 12 percent unemployment rate to the mix and you have a tough medical insurance climate, particularly in a state with hefty living costs. California medical insurance quotes, while far from costly on a national scale, often fall outside the financial means of residents. As such, most of the state's low-income families operate with only public healthcare available to assist them.
If you're a Californian that's struggling to make ends meet, apply these six strategies while you're searching for affordable medical insurance. California medical insurance quotes can become fair and affordable with the right outlook, particularly for those with sound finances. If you're looking for a low-cost California medical insurance solution, these six tips can surely help.
Make use of California's excellent health clinic and hospital network.
Buying medical insurance often isn't enough. Alongside the pricey monthly payments is a looming cost of seeking treatment, be it for minor illnesses or small, unknown conditions. If you're insured, but don't want to risk having to pay an insurance excess charge, consider using one of California's excellent public health clinics to get advice about your medical condition or mystery illness.
Small colds, sniffles, and other minor health annoyances are often best treated by seeing a public doctor and understanding just what is causing the problem. Visiting a private doctor isn't entirely covered under many insurance policies. To limit the financial strain of minor check-ups, consider using your area's health clinic or hospital network for advice and simple diagnosis.
Think of health insurance as an important opportunity cost for productivity.
Did you know that if California were its own country, its economy would be one of the world's ten biggest? The Golden State is renowned for its entrepreneurial spirit, and many of its leading CEOs are thought of as health ignorant workaholics. It's a classic example of drive getting ahead of your ability to work, and it's one that many Californians need to look at using a different mindset.
Here's the reality: you can only work so much when you're in poor health. If you're self employed or an independent business owner, there's a certain point where health overrides your productive skills, business abilities, and sheer concentration. Think of health insurance as protection for your personal productivity, and understand that neglecting your own health can affect your company's output.
Do you own a business? California tax law allows for medical-related deductions.
Looking at California medical insurance quotes can be a frightening experience for those without an employer. Whether you're a self-employed freelancer or a mega-busy business owner, observing the best health insurance rates online can make you wish for the monotony of office work again. While full-time workers in California have access to health insurance, many self-employed people don't.
However, there's a simple way to make full health insurance affordable again. Speak with your CPA about setting up health insurance as part of your business, and subsequently deducting the cost of an insurance plan from your company's tax obligations. California law does allow for tax deductions in health-related fields, although these are best carried out by a qualified CPA, not just any 'expert.'
Do you study in California? Take advantage of student health insurance packages.
Students at one of California's many public universities may qualify for a medical insurance rebate or complete health insurance voucher. Whether on a scholarship or enrolled as a paid student, most California-based college students qualify for some form of health insurance relief. If you're largely financially independent, this rebate could help you cover the cost of individual medical insurance.
Speak with your student advisor, or consult the website for your California-based college for more information. Please note that not all colleges in California offer insurance support for students, nor do many private universities offer the same. Check with your school system, and look at the health insurance rates that are available to students from private California-based medical insurers.
Ensure that you understand your area's supported private and public hospitals.
There's no point searching for California medical insurance quotes without an understanding of how and why you're going to use them. There's even less point in searching for quotes without knowing where they can be used. Check up on private and public hospital facilities within your local area so that you know exactly where you'll be able to seek treatment in the case of a medical emergency.
It's also important to memorize which hospitals in your area are supported by your insurer, as many of California's largest insurance companies only cover treatment at certain hospitals. To reduce your rates, it might be best to look at a partial public-private plan, which will cover you for treatment as a private healthcare receiver at a number of public hospitals within your city, town, or local region.
Check for barred treatments such as elective surgery and cosmetic procedures.
California is famous – or is that infamous – for cosmetic surgery. From Hollywood clubs to the high society cities of Orange County, the rich and famous of California have spent the better part of fifty years spending big on cosmetic surgery and elective dental work. If you' like cosmetic surgery, keep in mind that most California medical insurance quotes don't cover it, or any other elective surgeries.
Most medical insurance companies will only cover cosmetic surgery expenses when they're thought of as essential for you to live a normal life. These can include reconstructive plastic surgeries, breast implants for mastectomy patients, and other non-elective procedures. Sorry, as much as you want an improved smile or sharpened jawline, it's very unlikely to be covered under your insurance policy.