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CALIFORNIA'S INDIVIDUAL HEALTH INSURANCE
This issue brief examines the state and federal laws
that apply to the individual
health insurance market in California as of April 2005. It provides
a comprehensive overview of the differences between individual and group
coverage and explains the basic rules that apply to individual policies,
including treatment for pre-existing conditions, guarantees on renewal,
protections for higher-risk individuals who maintain their coverage, and
regulations governing the transition from group to individual
coverage.Individual coverage is the main alternative for those not
covered through employment and not eligible for publicly subsidized health
coverage. Nearly 8 percent of non-elderly Californians, or about 2.4 million
people, are now participating in the individual insurance market.
First published in June 2003 as a reference for consumer advocates, brokers,
health policy leaders, and health plan staff, this updated brief includes:
• A summary table and description of the rules that apply when changing
from group to individual coverage.
• A table summarizing rules that applies when individuals are not transitioning
from group coverage.
• A description of the Major Risk Medical Insurance Program (MRMIP) program,
including the new pilot project.
This analysis concludes that as employers continue to scale back or drop
health
insurance for workers and their dependents, demand for individual
coverage is likely to grow. However, without additional regulation, the
high cost, limited consumer protections, and regulatory complexity of
the individual market hold little potential for reducing the number of
uninsured in California.
Family and Individual Health Insurance Plans
Health Insurance Finders is a health insurance hub that
helps people find family and individual health
insurance plans. Our services are geared toward individual, family,
and small business health insurance. We are committed to help you meet
all your individual health insurance needs. We supply a complete list
of websites that provide you with family and individual health insurance
plans in your state, ranging from free online health insurance quotes,
application reviews, doctor selections, company contacts, and plan comparisons
to best assist you with a well-versed decision when buying health insurance
from leading insurance companies. Some of the websites listed in our state
specific marketplace will help you to get in contact with a health insurance
specialist in your area.
Group and Small Business Health Insurance Plans
Group health insurance benefits for your company .we
at Health Insurance Finders; provide you with all the health insurance
resources you need to get quality group health insurance for your small
business. Most of the websites listed on each state specific page will
help you choose the group health insurance or small
business health insurance plan and coverage you want from leading
health insurance companies. Their licensed agents usually assist you with
billing, claims, enrollment eligibility, eligibility changes, renewals,
membership changes, providers, and much more. Some listed sites may provide
you instant online group health insurance quotes; while others will help
you get in contact with a group health insurance specialist in your state.
Medicare Supplemental Health Insurance
Plans
Medicare supplemental insurance provides you with additional
health insurance benefits that are not available to you through Medicare
Part A or Part B. Some Medicare
supplemental plans, also referred to as Medi gap insurance, will provide
you with prescription coverage and preventative health care. Medicare
supplemental plans can also cover your Medicare Part A deductible, extra
days of hospital care, your Medicare co-payment amounts, accomplished
nursing and foreign travel emergency care. To find an insurance company
or agency that offers Medicare supplemental insurance in your area, please
browse the list of websites that we have compiled below.
For more informations on our services contact insurance
brokers John Good|
Kelly Good
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