At InsureMe, we know having California health insurance is
central to maintaining your access to the health care system. We
also know millions of Californians are currently without health
insurance.
We’re here to help—first by arming you with
information, and then by providing you with up to five free
quotes on California health insurance for your comparison.
So let InsureMe help you find the best California health
insurance to cover your health care needs. Get your free quotes
today!
What You Should Know about California
Health Insurance
Current Events and Issues
In recent years, the California health insurance industry has
brought in over $106 billion annually. Despite these earnings,
health insurance premiums in California seem to be rising
relentlessly to accommodate the ever-increasing cost of health
care.
This trend has resulted in millions of uninsured residents
across the state. In fact, a recent Families USA survey showed
that there are close to 6.5 million Californians living without
health insurance—over 20 percent of the state's population.
If you are part of that 20 percent, you don’t need to feel
the stress of being uninsured any longer. Read on to learn how
InsureMe—and the State of California—can help you find
affordable California health insurance.
Types of California Health Insurance
In California, there are five types of health insurance
policies you can purchase: Indemnity, Preferred Provider
Organization, Health Maintenance Organization, Self-Insured
Plans and Multiple Employer Welfare Arrangement.
- Indemnity policies are traditional
fee-for-service plans, allowing you to seek treatment from
any physician you choose. You may pay a deductible or
co-payment with this plan.
- Preferred Provider Organization (PPO)
policies provide a list of contracted providers from which
you can choose to visit. You also have the option of seeing
someone out-of-network at a higher cost to you.
- Health Maintenance Organization (HMO)
policies require you to see health care professionals
affiliated with the HMO, except in emergency situations.
Typically, people covered by HMO’s choose a primary care
physician to oversee their care.
- Self-Insured Health Plan polices are
primarily used by labor unions, school districts and large
employers; these groups provide a pool of money, from which
they draw to pay for their employees health care.
- Multiple Employer Welfare Arrangement (MEWA)
polices permit members of trade, industry, professional and
other associations to create trust funds for the purpose of
providing health care to their employees.
For more detailed information about these plans, contact the
California Department of Insurance at (800) 927-HELP, or visit
them on the Web.
State-Assisted Care
If you have been unsuccessful in obtaining California health
insurance for financial or health reasons, check out the
following programs:
The Major Risk Medical Insurance Program (MRMIP)
offers limited health insurance benefits to Californians unable
to obtain coverage because of a pre-existing condition. Some
restrictions do apply; for more on MRMIP, call (800) 289-6574.
The Healthy Families Program, offered
through MRMIP, provides low cost health, dental and vision
coverage to kids from low income families not eligible for
public assistance. For more information on the Healthy Families
Program, call (800) 880-5305.
The Access for Infants and Mothers Program (AIM)
was established to expand care for pregnant women. AIM offers a
comprehensive benefits plan, including both inpatient and
outpatient care. For more information on AIM, call (800)
433-2311. Pacific Health Advantage (PacAdvantage) provides more
affordable California health insurance to small businesses with
two to 50 employees. Plan rates may vary by age, family size and
region. For more on PacAdvantage, call (877) 735-5742.
These are just some of the many ways that California is
working to bring California health insurance to all residents,
in efforts to make the category of the uninsured obsolete.
Find California Health Insurance Today
Your access to health care depends largely on your health
coverage. Maintain that access by finding California health
insurance today.
Just fill out our box and receive up to five free quotes from
InsureMe. Finding affordable health insurance has never been
easier.