This site is lots of useful information about health insurance in California, Click on the instant quote button for a quote on California health insurance.
Rates
for health insurance in California vary widely from one insurance company to
the next. Using a broker web site gives you the advantage of One stop shopping.
You get to shop and compare health insurance rates and benefits with all the
major plans in California. This saves you time and money.
This
site also serves as a resource guide to provide you with information that will
be important to you in your search for the “health insurance plan that is right
for you”.
We
start with the traditional "medically underwritten" individual /
family and group health insurance above. On the left hand side of the site you
will find links to information about “guaranteed issue plans” and State /
Federal assisted programs for low income individuals and special programs for
children.
You
will also find information about pre-existing conditions, your options when
leaving a group health insurance plan, financial rating organizations and much
more.
Take some time and explore the balance of this site. It will be worth your while!
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This link takes you to a site provided by the Agency for Health Care Policy andResearch (AHCPR), a Public Health Service agency in the Department of Health and Human Services (HHS). Below you will find a list of some of the information contained on the site. Click on the link above and explore it thoroughly.
- Thinking About Health Insurance Choices
- Why Do You Need Health Insurance?
- Where Do People Get Health Insurance Coverage?
- Group Health Insurance
- Individual Health Insurance
- Health Maintenance Organizations (HMOs)
- Questions to Ask About an HMO
- Preferred Provider Organizations (PPOs)
- Questions to Ask About a PPO
- Checklist: What's Most Important to You?
- Worksheet: What Is Your Best Health Insurance Buy?
- Understanding Health Insurance Terms
AHCPR Publication No. 93-0018, December 1992. Agency for Health Care Policy and Research, Rockville, MD.
This links you to a site which is put together by Georgetown University and contains a lot of useful information that consumers need to know. The contents are:
- A summary of your protections
- Your protections under group health plans.
- Your protections when buying individual health insurance.
- Your protections as a small employer or self employed person.
HIPAA – Guaranteed Issue Plan
The
Health Insurance Portability and Accountability Act of 1996 created the
opportunity for individuals leaving employer sponsored plans (group health
insurance plans) to qualify for guaranteed issue individual health insurance.
They must meet certain qualifications. To qualify for a HIPAA plan, you must:
- have completed a minimum of 18 months of continuous health coverage, most recently under an employer sponsored group health plan.
- have elected and exhausted continuation of coverage under COBRA, if available
- have lost coverage within the last 63 days
- not be eligible for Medic-aid or Medicare, or have any other health coverage
- Additional requirement apply. Ask your broker if you qualify for a HIPAA plan and if a HIPAA plan is right for you.
Options When Leaving a Group Plan
Be
sure to ask about all of your options when leaving a group health insurance
plan. If you understand all of them you will be able to choose the best health
insurance for the future. Some choices are guaranteed issue regardless of
health history and others are not. Prices, benefits and coverage will vary
widely. A good broker can walk you through the options. The options may
include: Federal COBRA (groups with 20 or more employees), individual
conversion plan, extension of benefits if totally disabled, HIPAA guaranteed
issue plan, or medically underwritten individual and family health insurance.
We offer California residents a full range of Choices
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Notice to Consumers – Terms of Use
The
#1 California Health Insurance web site is designed as a health insurance
directory to help the consumer find quotes and information on health insurance
options in California. A local broker may be the best source of this
information. With a click of the mouse (on the Rate Button near the top of this
site) you will be linked to the web site of a broker specializing in health
insurance in California.
#1
California Health Insurance . com is provided by Online Marketing – USA and
does not sell health insurance and is not affiliated with the broker you will
be linked to. By using this web site, you acknowledge that #1 California Health
Insurance .com and or Online Marketing – USA is not responsible for the actions
of the broker that you will be linked to and does not have any control over the
accuracy of the information contained on their web site.
The
purchase of health insurance can be confusing and it is the consumer’s
responsibility to ask questions and make sure that they are receiving clear,
complete, accurate and appropriate information. Do not cancel any existing
health insurance until you are approved for the coverage you apply for and that
you know the rates and benefits that have been approved before canceling the
existing coverage.
The balance of the information on this web site is also provided as a service to you the consumer. We have attempted to provide information that will help you in your search for health insurance. We do not warrant, nor guarantee that it is current, complete nor accurate.
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