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The state has 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. The State of California requires you to be a resident of California for a minimum of 90 days prior to applying. This program, called Medi-Cal, is also available for low income individuals. 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 will continue to rise drastically over the near future. If you do not have California Health 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 ill for only three to six months the bills for California health care 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 Ask When Buying California Health Insurance

•  Find the questions to ask when buying affordable California Health insurance by going to our list of Important Questions when buying Health Insurance. Always shop around and ask a lot of questions.

How can you Avoid Fraudulent California Health Insurance Plans

• Go on line or Call your California Health insurance department and find out whether the insurance agent and California Health Insurance company are licensed in the state.

• Beware of direct mail solicitations, fax, radio ads or low cost offers on the Internet.

• If an affordable California Health Insurance policy costs far less than what other companies are charging, it may be a warning sign. Make sure you comparison shop, but if a policy is significantly cheaper, beware. If it sounds too good to be true, it probably is.

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   There are many choices for California Affordable Health Insurance Plans. Whether yu are an Individual, Family, self employed or Business there is a  Low Cost Health Insurance in California health plan to fit your needs. Plans are available in Traditional, PPO, POS, HMO, HSA's (Health Savings Accounts) or for Catastrophic occurrences.

  Fill out the insurance quote request form for a personal quote.  For non-resident relative visiting the U.S. they can get instant quotes and apply for insurance from their country by applying on line through the travel insurance and international insurance SRI button.

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  Where to find more information on Affordable California Healthcare and Medical  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 Find California Zip Codes and Area Codes here;   Auto Insurance Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware D.C. Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Homeowners Insurance Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware D.C. Florida Georgia Hawaii  Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts  Michigan Minnesota Mississippi Missouri Montana  Nebraska Nevada New Hampshire New Jersey New Mexico  New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming

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