Free Quotes and Hot Tips on Individual Health Plans in California
California is home to almost 40 million people and about 6.7 million of them are uninsured. Everyone in California should have an individual health plan because of the many health insurance policies available. These include add-on policies for those who don’t have enough coverage.
Some Californians have health plans by joining the group insurance provided by their employers, but there are situations where individual health plans are best suited. Some common examples are when you’re looking for a job, or your company does not provide health insurance for its employees, or you’re self-employed. It’s very important that you maintain your health insurance coverage because you can never tell when you might need to see a physician or undergo a medical procedure.
Without an individual health plan you can find yourself in a financial bind because of a costly illness or medical procedure.
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Some Tips to Keep in Mind About Individual Health Plans:
- Premiums are higher than a group health plan.
- If you have an existing health condition, you should be aware that your application for an individual health plan may be rejected by some insurance companies. You will need to provide proof of health.
- There are several types of individual health insurance you can choose from:
- HMOs – Health Maintenance Organizations
- PPOs – Preferred Provider Organizations
- POS – Point-of-Service Providers
- FFS – Fee-for-Service Option
Review your current health situation and financial condition and choose the individual health plan that’s best for your needs.
Check the premium rates for each plan, research on the financial stability of the insurance company, check if a medical examination is required before you can be approved for coverage. You also need to review the scope of your healthcare coverage and the amount of deductibles required. Premium rates are determined by your geographical area, and state insurance laws differ for each state so it’s best to know what regulations govern in your area.
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