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California Health Insurance
Group Health  Captive

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Think

California Insurance

is expensive?

...Think Again!

Health Rates From

California Health Insurance

california flagHealth insurance is a type of insurance whereby the insurer pays the medical costs of the insured if the insured becomes sick due to covered causes, or due to accidents. The insurer may be a private organization or a government agency.

For amounts ranging widely from a few dollars to a few hundred per month, you can find a private health insurance companies that will insure you. These companies have a number of insurance plans that will fit individual, family or employer needs. If you are fit and healthy then you may only want basic health insurance coverage and if you have serious and chronic health problems then you probably benefit from comprehensive health insurance coverage.

 

4 important considerations to buying California Health Insurance

individual health insurance quoteThe first step is to identify whether you are a company and want to buy a california health insurance group policy for your employees, or if you just want coverage for yourself or your family. California health insurance laws require health insurance companies to "guarantee issue" coverage for employer groups of 2 to 50 employees if certain criteria is met, whereas individual and family coverage can be denied if an individual is overweight or has a medical condition.

family health insurance quoteThe second step is to identify the type of policy (HMO or PPO) to buy. When you apply for california health insurance with private insurance companies, you may have to go to specific doctors and/or healthcare institutions (Hospitals) that are participating with your private insurance company. A PPO plan provides the broadest selection of doctors and hospitals, whereas the HMO is the more limited.

health insurance californiaThe third step is finding a plan that meets your budget. Buying the least expensive plan may not your best value. The fourth step is necessary to finding your best value protection.

california health insurance quoteThe fourth step is to evaluate and compare the most important areas of coverage. They are listed below and ordered from most important to less important

  • out of pocket maximum
  • prescription coverage
  • deductible
  • co-insurance

How healthy is living in California?

california health insuranceCalifornia climbed to #23 – up one spot from its 2008 ranking as the 24th healthiest state to live in – according to a study by the United Health Foundation.

The good news:

  • The state earned high marks for its low prevalence of smoking, low rates of occupational fatalities, cancer deaths and infant mortaility.
  • The prevalence of smoking in the state continued to drop, and was down from 16.8 percent to 14 percent of the population over the past five years.

The bad news:

  • In the past year, the percentage of California children under age 18 classified as "in poverty" climbed from 17.9 percent to 20.2 percent. The high school graduation rate, meanwhile, fell from 74.6 percent to 69.2 percent.

The state's best and worst category ratings:

  • Prevalence of smoking – 2nd
  • Occupational fatalities – 3rd
  • Infant mortality – 5th
  • Cancer deaths – 6th
  • Prenatal care – 9th
  • Prevalence of obesity – 9th
  • Public health funding – 10th
  • Preventable hospitalizations – 10th
  • Poor mental health days – 41st
  • Infectious disease – 43rd
  • Lack of health insurance – 44th
  • Air pollution – 47th