Getting California Medical Insurance – 10 Easy Rules You Should Follow

1. Compare the insurance rates of at least three different companies. It is sad to see how many people never take the time to do this. It can save you a lot of money.

2. If you have never heard of a medical insurance company that is offering you a quote, do not assume that they are legitimate. It is possible that the company is authentic. But you should do some research into the insurance provider to ensure this before you purchase a policy with them.

3. Discount health plans are not medical insurance. Don't take their word for it! State insurance websites are full of warnings regarding such health plans.

4. If your employer will pay for it, use their medical insurance plan. This group policy may not be ideal for you, but it is probably a better bargain than you will find anywhere else.

5. If you can't add your family members to your employer's insurance plan, get individual insurance quotes for them. Group medical plans are nearly always more expensive than individual plans. Still, look into the fine print of both individual and group policies. For example, most individual insurance plans do not include any coverage for pregnancies; they make you pay an extra fee for that. Group plans, however, tend to come with maternity coverage.

6. Take time to investigate California clinics, insurance companies, doctors, hospitals, and insurance policies. It may turn out that your family doctor is not included in some health insurance policies. If you are dead set on keeping a certain doctor, make sure you find a policy that includes them.

7. When speaking with your health insurance agent, ask questions. You need to be completely aware of all details of your insurance plan.

8. Purchase a new policy. If your current medical insurance coverage is not right for you, don't be afraid to change it.

9. Do an annual review of what kind of medical insurance you really require. Since the state of your health can change quite a bit in a year or two, it is good for you to do this. Rates change a lot too, so reviewing your policy could even save you money.

10. Use www.BestHealthcareRates.com to compare insurance rates.