California has a diverse population, a diverse geography, and now, diverse
health insurance plans!
Because health insurance rates vary as widely as the Sierra Nevada Mountains
to the Pacific Coastline, we offer a variety of resources and information
that can help you choose the right health insurance plan for you, your
family, your spouse or your employees.
Browse our site, then shop and compare the variety of health insurance
rates and benefits offered by every major plan available in California.
You'll save time and money-and get the best coverage that your money can
buy.
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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Checkup on Health Insurance Choices
This link takes you to a site provided by the Agency for Health Care Policy
and Research (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.
A Consumer's Guide to Getting and keeping Health Insurance in California
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.
It's a great resource.
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.com 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 Resource Center 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 Resource Center 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.