California Health Insurance Companies |
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| Learn more about each insurance carrier here: Aetna, Anthem, Blue Shield, Health Net, Kaiser, Tonik |
| See an inventory of California Health Insurance Plans. |
| Compare health insurance quotes from nearby states: Arizona Health Insurance, Nevada Health Insurance |
California Individual Health Insurance |
Increasing Insurance Costs:
With the increasing cost of providing health insurance for you and your family, the prospect of finding affordable health insurance is both daunting and confusing. Health insurance premiums have risen 61% in California in the past 6 years, according to Families USA. In fact, about 15,157,520 CA adults do not have insurance at all, according to Kaiser Family State Facts.
But family health insurance is essential and luckily, there is no need to feel you are alone when selecting a plan. If you reside in California and need to find a better family health insurance plan or obtain health insurance, Health Plan One can help you review all possible insurance solutions. Fill in your zip code above to get an instant online insurance quote for your family health insurance plan.
Individual health insurance coverage should be pursued when your employer does not offer health insurance as a benefit, when you cannot be named as a dependent on another person’s policy, or when you are not a member of a professional trade association that offers group coverage.
In California, medical underwriting is allowed without restriction. Medical underwriting is the process that allows insurance companies to review the medical history of prospective members. For preexisting condition requirements, the carrier may look back in a consumer’s medical history 12 months for any preexisting conditions and impose a 12 month exclusionary period for coverage of one or two people. For coverage of three or more people, the carrier may impose a 6 month look back and exclusionary period |
California Health Insurance High Risk Pool |
In California, medical underwriting, the process that allows insurance companies to review the medical history of prospective members, is allowed. For preexisting condition requirements, the carrier may look back in a consumer’s medical history 12 months for any preexisting conditions and impose a 12 month exclusionary period for coverage of one or two people. For coverage of three or more people, the carrier may impose a 6 month look back and exclusionary period.
California offers a health plan to the medically uninsurable called the Major Risk Medical Insurance Program (MRMIP). You may be eligible for this program if you are not able to obtain health insurance due to a medical condition, you are not eligible for COBRA, CalCOBRA, HIPAA, or Medicaid/Medicare, and you are a resident of California.
Coverage under high-risk health insurance includes hospital inpatient care, medical and surgical services, maternity, family planning, emergency care, reconstructive surgery, prescription drugs, mental health benefits, rehabilitation, durable medical equipment, home health services, organ transplants, and hospice services. |
California Group Health Insurance (Small Business: 2-50 employees) |
Group health insurance offers certain advantages over individual health insurance policies. In California, medical underwriting is allowed with group insurance as well. Rates may vary by plus or minus 10 percent of the indexed rate based on the health status of the group. For preexisting condition requirements, the carrier may look back in a consumer’s medical history 6 months and impose a 6 month exclusionary period for those that did not have prior medical coverage.
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California COBRA and Cal-COBRA Health Coverage |
California offers COBRA, the Consolidate Omnibus Budget Reconciliation Act of 1985. Many companies with 20 or more employees that offer health insurance are required to offer employees and their dependents continuation coverage for benefits that were lost. For example, to job loss, reduction in hours worked, death, or divorce.
Cal-COBRA extends COBRA-like benefits to employees and dependent spouses and children of firms of less than 20 employees. |
Medicaid in California |
Medicaid is a state/federal program that pays for medical and long-term care services for low-income pregnant women, children, certain people on Medicare, disabled individuals and nursing home residents. These individuals must meet certain income and other requirements.
Income Requirements:
Covered Services:
Doctor visits, laboratory and x-rays, hospital and nursing home care, home health care, prescription drugs, dental care, eyeglasses, hearing aids, medical equipment, ambulance services, and hospice.
Co-Payments:
Costs vary, however, there are no co-payments if you are under 18, pregnant, living in a nursing home, or receiving family planning services.
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Other California Health Insurance Programs |
| Healthy Families is available for children up to age 18 with family incomes up to 250% of the federal poverty level and that do not qualify for Medi-Cal. The plan provides low cost health, dental, and vision coverage to uninsured children in working families. Please visit the website for more detailed information a http://healthyfamilies.ca.gov/hfhome.asp.
California Kids is another option for children ages 2-18. Please visit their website for eligibility information at http://www.californiakids.org/.
C-CHIP (County Children’s Health Initiative Program) allows counties to use county funds to match available federal funds allocated to California to provide needed health care services for certain children. Contact the CA Department of Insurance for more information.
AIM (access for infants and mothers) provides low cost health insurance coverage to uninsured, middle income pregnant women. Contact the CA Department of Insurance for more information. |
More California Health Inurance Information |
| Schwarzenegger Health Insurance Plan Would Drive Up Costs
San Francisco approves universal health care coverage
NCQA Recognizes Blue Cross of California for Physician and Hospital Quality Measures
Blue Cross of California Delivers $2.68 Million to Community Organizations in 2006
Medicare Announces Additional Collaborative In California
Aetna Opens Office In Sacramento |
Health Insurance From 100 Companies
