California Health Insurance
Owning a health insurance policy can give you peace of mind about yourself and you family. If you have a full-time job, you are most likely able to get California health insurance through your employer.
However, even if you don’t, you can purchase health insurance in this state individually for you and your family. CA has numerous health insurance companies and plans available so it’s important that before you begin considering all the options out there, make sure you understand your rights regarding California health insurance as provided by the state government.
Denied For CA Health Insurance ?
California health insurance policies are regulated by the California Department of Insurance (CDI). By law, health insurance companies in this state can deny you for coverage if you have preexisting conditions.
However, if this happens to you, you can still get health insurance through state-run programs. The Golden State offers programs for both individuals and small businesses (businesses with up to 50 employees).
Some of these programs include the following:
- Major Risk Medical Insurance Program (MRMIP)
- Individual health insurance for those with preexisting conditions who do not qualify for COBRA, Cal-COBRA, or HIPAA
- Health Families Program (HFP)
- Family health insurance plans for families who make too much money to qualify for other public programs but do not make enough money to buy family health insurance plans
- Access for Infants and Mothers Program (AIM)
- Health insurance for pregnant women and new mothers who don’t make enough money to purchase a health insurance policy
Health Insurance Fraud in CA
It’s also important that you stay alert for insurance fraud in this state. This is a major problem in California as well as in many other states, and if you’re having problems, you should contact the California Department of Insurance Fraud Division in Sacramento. They can direct you to region offices throughout the state.
California does make it extremely easy to file a complaint regarding your health insurance to combat the rise in fraud. You can file your complaint with the California Department of Insurance once 60 days have passed or when your insurance company gives you an official written decision regarding your case.
Complaints that you may have include delay in payment, refusal of payment, misconduct of health insurance personnel, and more. In California, insurance companies must provide a dispute resolution system, which, by law, you must use before filing a dispute with the state.
Getting The Best CA Health Insurance Policy
Now the state of California, due to recent work by Governor Arnold Schwarzenegger, has some of the best health insurance rules and regulations in the country. That said, if you do not shop around, you will still end up paying a lot for California health insurance. The way to get the best rate is to check the rates with all providers authorized to do business in the state. Then you can select the best rate with the best coverage for you. We perform this service for you, get started by clicking the banner at the top of this page.
NOTE: Like in the rest of the state, California health insurance options vary greatly from provider to provider. Make sure you understand what you’re purchasing before you choose one policy over another. To find out more information, check out the California Department of Insurance’s website or visit them at their Los Angeles, Sacramento, or San Francisco offices.