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Click here  for General Articles on Health Care

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Your Rights under California Health Insurance Law 

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The only guarantee issue California Health Insurance policies for individuals with pre-existing medical conditions that prevent them from being insured with other California Health Insurance Companies are from the State of California. You must be a resident of California for a minimum of 90 days prior to applying. This program is also available for low income individuals.  The program is The CA Major Risk Medical Insurance Program at http://www.mrmib.ca.gov/MRMIB/MRMIP.html  They can also be reached at 1-800-289-6574. There is a three (3) month waiting period before pre-existing medical conditions are covered. There may be a 12 to 18 month waiting list before you are able to enroll in the program. The coverage is limited and only covers catastrophic situations and cannot be considered to be a full benefit health insurance program.

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Why Should You Buy California Health Insurance?

The cost of health care has risen drastically over the past few decades. If you do not have California medical insurance to help pay bills, a serious injury or illness can be financially devastating to you and your family.  The most recent studies on bankruptcy show that approximately 50% of all personal bankruptcies are due to serious illness.  Even if you are only ill for three to six months the bills for California health care plans can total from $30,000 to $200,000 and much more in some cases. If you don’t have California health insurance coverage you can be exposed to high health care bills; or, if you have too little or the wrong kind of coverage, you won’t have enough protection. Add this to the bills you were unable to pay while unemployed and it is easy to see how bankruptcy occurs.

What To Look For When Buying California Health Insurance

• Be sure you feel confident working with the California Health Insurance Company or agent and company you choose. It is a good idea to contact the California state insurance department and check that the agent and the company you are working with are licensed to sell insurance in California.

• Learn what kinds of Health Insurance California policies will provide what you need and pick the one best for you. Don’t hesitate to shop around and ask a lot of questions.

• Do not sign an application for any California Health Insurance Companies until you review it carefully to be sure the answers are complete and accurate. Make sure that the word “insurance” is actually used and that there is no disclaimer stating that, “This product is not insurance, nor is it intended to replace insurance.”  There are hundreds of insurance scams occurring around the country offering coverage for $50 to $130 to cover the whole family. Don’t get caught in a scam. If it sounds too good to be true, its too good to be true.

• When you buy an California Health Insurance policy, make the check payable to the company, not the agent. Always pay by check or money order, and write your policy number on the payment. Do not give the agent your bank account number for automatic withdrawals until you have verified  the agent and California Health Insurance company background information.

• Ask for a receipt for all California Health Insurance payments. The receipt should include your policy number, the date of payment and the name of the California Health Insurance Company.

Tips for Avoiding Fraudulent California Health Insurance Plans

• The best tool for avoiding fraud is your phone. Call your California Health insurance department and find out whether the insurance agent and Health Insurance companies California are licensed in the state.

• Fraudulent plans are most often sold through direct mail solicitations, fax, radio ads or over the Internet, so be especially wary when responding to these solicitations.

• If an California Health Insurance policy costs far less than what other companies are charging, this could be a warning sign. It’s a good thing to comparison shop, but if a policy is significantly cheaper, beware. If it sounds too good to be true, it probably is.

• Beware of an California Health Insurance agent or company that:

  • Refuses to provide proof of state licensure.

  • Insists on cash payments or automatic withdrawal.

  • States this is a “one-time deal” or your “last chance for special savings.”

  • Boasts that the coverage is available to anyone, regardless of history or risk.

  • Verbally states something is covered without showing you the details in a company publication.

  • Tells you no other company provides this coverage or that the only other company is much more expensive.

  • Tells you they can sell you any company but only has company publications for one company.

If you want to check the status of any company you can do so through the California State Insurance office at http://www.insurance.ca.gov/ or the National Association of Insurance Commissioners (NAIC) at  http://www.naic.org

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Where to find more information on California Healthcare and Health Insurance

If you would like more information on healthcare you can go to the U.S Agency for Healthcare Research and Quality at http://www.ahcpr.gov/consumer/

For a complete review of California Health Insurance guidelines for California Individual Health Insurance, California Group Health Insurance, Cobra guidelines and more you can go to the Georgetown University publication for California. The publication is titled "A Consumers Guide to Getting and Keeping Health Insurance in California" and can be seen at http://www.lowcostinsur.com/resources/ca.pdf

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