Medical Expenses Health Plans

Government Sponsored Medical Expense Programs

Managed Risk Medical Insurance Board (MRMIB)

The California sponsored health care plans for non-insured individuals. The profits are restricted and there are residency and waiting. Periods that must be met before reimbursement are obtainable. Ask your mediator for more information or call 1-800-289-6574 for employment forms.

Health Insurance Plan of California (HIPC)

The state of California subsidizes a health insurance plan for employers who do not earn more. It gives health assurances on coverage to workers in any one of 20 varied health plans proffered through insurance companies or HMOs at the rates which are not so high. Your employers can get any sought of information associated to health insurance on calling HIPC at 1-800-447-2937 or by contacting any of the health insurance mediators.

Medicare

National scheme which offers medical insurance for citizens over 65 and for those who are enduringly immobilized. Keep contacting local Social Security Office for a copy of the existing Medicare handbook. This is financed by state cooperation with federal governments but administered by each state.

Medicaid

Medicaid gives medical help to families that have low-income and to the individuals of every age taking part in cash-assistance programs. Medicaid in general doesn’t need any private health insurance. Get in touch with your local county Social Services Department for eligibility necessities.

Health Insurance Portability and Accountability Act [HIPAA]

This plan is especially for those who have problem in obtaining individual coverage because of pre- existing medical conditions should get in touch with licensed health insurance agent and ask for details on "HIPAA-ELIGIBLE, guaranteed-issue" individual health plan. A person can be eligible to buy an individual health insurance policy without any verification process for good health if she/he meets the following necessities.

1. The person, or covered reliant, has been covered under an employer-sponsored health profit plan, counting COBRA or Cal COBRA extension coverage, for minimum 18 months;
2. Person completed employment and should have chosen extension coverage under COBRA/Cal-COBRA;
3. All existing COBRA/Cal-COBRA extension coverage has been bushed;(If an employer finishes its offered group health plan totally, no more extension coverage is "offered" through that company or through a successor employer’s plan, extension coverage has been bushed.);
4. The person put forwards an application, and a "certificate of Prior Coverage" or a satisfactory equivalent, for individual coverage to an insurance carrier or an HMO within 63 days of the extermination of the group health benefit plan. The individual does not buy any type of other individual coverage, including a conversion policy, a short-term interim plan, the Managed Risk Medical Insurance Plan for uninsurable parties or a medically. Even an Underwritten individual policy/HMO must not be purchased.

For more informations on our services contact insurance brokers John Good| Kelly Good