California Health Insurance

...Where Californians find Health Insurance on the web!

Individual Insurance Options

Individuals’ rights within the state of California are important items to consider when one is in need of coverage or between health insurance policies.
 
When California residents find themselves in need of individual health insurance, they may not know what to do or what options are open to them. For someone whose COBRA (Consolidated Omnibus Budget Reconciliation Act) benefits are about to run out, this is a scary situation. Individual health insurance can be a tough market, but Californians do have options open to them – they just need to make the choice that best fits their needs.
 
First, consumers should know that they will likely be subjected to a much more careful examination of their health than is usually the case with group health insurance plans. In some parts of the country, ff you are determined to have a serious condition (or even the propensity to develop a condition) such as, for example, rheumatoid arthritis, you may be rejected by the insurance company, or offered only a policy that excludes coverage for the condition in question. Exclusion riders are not allowed in California. However, another way companies deal with pre-existing conditions is by charging higher premiums.
 
Also be warned that some insurance companies will attempt to give the impression that you as an individual will be part of a group plan, when in actuality you are participating in what is known as a “group discretionary trust”. This can result in premiums being raised without warning if you become ill. Because it might be difficult to find other coverage with a pre-existing condition, if premiums rise beyond their ability to pay consumers can find themselves in a no-win situation.
 
So, like anyone in the individual insurance market, California residents need to carefully research any plan they are considering purchasing, and make sure they are doing business with a reputable company that stands behind its products and is up-front about its dealings.
Enter your zip code for an instant quote:
 
Other carriers
 
Blue Cross of California Health Insurance
Blue Cross of California
 
Blue Shield of California Health Insurance
Blue Shield of California
 
HealthNet of California Health Insurance
HealthNet of California
 
Pacificare of California Health Insurance
Pacificare of California
 
Universal Care of California Health Insurance
Universal Care of California
 
Nationwide Health Plans Health Insurance
Nationwide Health Plans
 
Kaiser Permanente Health Insurance
Kaiser Permanente Health Insurance
 
Aetna Health Insurance
Aetna Health Insurance


Other Links
California Health Insurance | California Medical Insurance | Group Health Insurance in California | Individual Health Insurance Quotes | Health Insurance Quotes | Medicare Insurance | Blue Cross of California | Blue Shield of California | Kaiser Permanente | Health net of California | Pacificare of California | Universal Care | Nationwide Health Plans | Aetna Insurance | Medical Quotes | Term Life Insurance
 
Health Insurance FAQs
Uninsured vs. Insured in California | Health Status of Californians | Shopping for Health Insurance in California | Health Insurance Regulations and Issues in California | Different Types of Health Insurance Plans | Dangers of Being Uninsured | Getting the most from your Health Insurance Plan | Individual Insurance Options | COBRA and Cal-COBRA | California Residents and HIPPA | Using the Internet to find Health Insurance | What to look for in a Health Insurance Policy | Kids and Health Insurance in California | Uninsured Individuals and the Economy | Pay or Play Law in California
 
Site Map | Partner Links | Health Insurance Glossary | Health Insurance Blog | Health Insurance News | Doctor Ratings
 
All Content © Copyright 2004-2006 Self Service Insurance Agency, LLC
CA Insurance License # 0E48124 - E-mail: <help (@) healthinsurancecalifornia.biz>
Call us Toll-Free: (888) 318-1818