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CALIFORNIA HEALTH INSURANCE
Introduction (California Health insurance)
If you have ever been sick or injured, you know how
important it is to have California
health coverage. But if you're confused about what kind is best for
you, you're not alone.
v What
types of health coverage are available?
v If your
employer offers you a choice of California
health plans, what should you know before making a decision?
v In addition
to coverage for medical expenses, do you need some other kind of insurance?
v What
if you are too ill to work? Or, if you are over 65,will Medicare pay for
all your medical expenses?
These are questions that today's California consumers are asking and these
questions aren't necessarily easy to answer.This booklet should help.It
discusses the basic forms of health coverage and includes a checklist
to help you compare plans. It answers some commonly asked questions and
also includes thumbnail descriptions of other forms of California health
insurance, including hospital-surgical policies, specified disease policies,
catastrophic coverage, hospital indemnity insurance, and disability, long-term
care, and Medicare supplement insurance.While we know that our guide can't
answer all your questions, we think it will help you make the right decisions
for yourself, your family, and even your business.
Making Sense of California Health Insurance
The term California health
insurance refers to a wide variety of California insurance policies.These
range from policies that cover the costs of doctors and hospitals to those
that meet a specific need, such as paying for long-term care. Even disability
California insurance-which replaces lost income if you can't work because
of illness or accident-is considered California health insurance, even
though it's not specifically for medical expenses.
But when people talk about health insurance, they usually mean the kind
of California insurance offered by employers to employees, the kind that
covers medical bills, surgery, and hospital expenses. You may have heard
this kind of health insurance referred to as comprehensive or major medical
policies, alluding to the broad protection they offer. But the fact is,
neither of these terms is particularly helpful to the consumer.
Today, when people talk about broad California health care coverage, instead
of using the term "major medical," they are more likely to refer
to fee-for-service or managed care. These terms apply to different kinds
of coverage or health plans. Moreover, you'll also hear about specific
kinds of managed care plans: health maintenance organizations or HMOs,
preferred
provider organizations or PPOs, and point-of-service or POS plans.
While fee-for-service and managed care plans differ in important ways,
in some ways they are similar. Both cover an array of medical, surgical,
and hospital expenses. Most offer some coverage for prescription drugs,
and some include coverage for dentists and other providers. But there
are many important differences that will make one or the other form of
coverage the right one for you.
For more informations on our services contact insurance
brokers John Good|
Kelly Good
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