These informative articles will help you understand more about individual health insurance in California and also help you select the right California family health plan. With advice and specifics on medical insurance and plans from companies such as Blue Cross of California, Blue Shield and others.
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a. Advice when Selecting a California Health Insurance Plan |
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Medicare Prescription Medicine Benefit Part D - For the first time since Congress created Medicare in 1966, the Medicare program will pay for prescription medicine. Learn about how the new Medicare Part D prescription medicine plans could benefit you. |
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Is Enrolling on COBRA a Good Decision? - Learn the ins and outs of enrolling in COBRA and why it is advised to apply for an individual health insurance policy while you are still healthy. |
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California Premium Comparison - Comparing California medical insurance plans can quite be a mind-boggling task. Let us give you a few pointers on how to easily compare the amount of money you will spend for medical care. |
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Psychological Barriers to Purchasing Insurance - Learn about common psychological barriers that prohibit people from enrolling in health plans and how they are generally unfounded. Don't hold out any longer! |
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Free California Medical Insurance - Who Would Enroll? - Over 14 million people without health insurance are low-income people who are eligible for medical insurance - but not enrolled. Learn about how the Federal and State of California invest billions of tax dollars to pay for free medical insurance. |
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Selecting an Individual Health Insurance Plan in California - With the plethora of California personal and family medical insurance policies available today, the long list can be quite overwhelming. Here we give you some simple suggestions on how to filter available plans and find one that will work for you. |
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Why Are People with Pre-existing Medical Conditions Declined? - California medical insurance companies routinely decline applications for individual medical insurance. Learn about how this is not only perfectly legal, but vital to keep the California health insurance market from collapsing. |
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December is the Best Month to Apply for Insurance - Learn about why December is the best month to apply for health insurance. |
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Medical Insurance for Temporary Employees - If you find yourself working for a temp agency and need health insurance, what do you do? Here we offer suggestions for people who are currently in this situation. |
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Pre-existing Medical Conditions and California Health Insurance - It is common practice for California medical insurance companies to decline applications for people with pre-existing medical conditions. If you have a pre-existing medical condition and want to apply for medical insurance here is some helpful advice. |
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b. Specific individual and California family health plan information |
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1. Blue Cross of California - Blue Cross's business approach is to provide consumers with choice. Learn about their variety of high-quality and affordable health care plans. |
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Right Plan 40 PPO - is an innovative individual-only health insurance plan with no deductible. It is a very good plan, but there are limitations to the plan which consumers should be aware. |
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4500 Family EPO HSA Compatible Plan - has a reasonable deductible, is well priced, covers maternity expenses and may be the best California Health Savings Account that Blue Cross offers. |
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Individual 3500 PPO HSA Plan - offers coverage for catastrophic illness or injury and low monthly premium. However, it might not be a good choice for families since it does not include maternity costs. |
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Family 7000 PPO HSA Plan - has a higher annual deductible compared to most plans, but pays 100 percent of expenses after the deductible has been met. |
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PPO Share 2500 Plan - offers very low premium and coverage for major medical bills which could cause financial ruin. However, the high out-of-pocket limit and deductible make this plan a huge liability. |
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Tonik Thrill Seeker Plan - is the least expensive of the three Tonik plans. It offers young thrill seekers health coverage in case of illness or serious injury. |
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Tonik Part-Time Daredevil Plan - is an extremely low cost plan aimed at young, uninsured adults who need health insurance in California since they play extreme sports such as snowboarding,surfing or rock climbing. |
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Tonik Calculated Risk-Taker Plan - is another of the new plans geared toward extreme sports fan. This plan offers the lowest deductible of the three Tonik plans. |
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2. Blue Shield of California - Blue Shield strives to make sure that high-quality health care is available to all Californians at a reasonable price. If you are considering individual health insurance in California, Blue Shield may be a good choice. |
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Blue Shield Discontinues Active Choice 600 Individual PPO Plan - As of January 1, 2006 the Active Choice 600 Individual PPO health insurance plan is discontinued. With this comes unusual freedom for Active Choice members in selecting another medical insurance plan to transfer to. |
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3. Health Net of California - If you are considering individual health insurance in California, Health Net may be a good choice. They specialize in HMO plans and have an extensive network of HMO doctors and hospitals. |
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Health Net Individual “Simple Value 30, 40 & 50” Health Insurance Plans - Health Net “Simple Value” plans are low-cost, zero deductible health insurance plans with a comprehensive prescription medicine (Rx) benefit. Find out if they are right for you. |
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4. Pacificare of California - Pacificare also specializes in HMO plans. Learn about their competitive pricing and comprehensive list of HMO doctors and hospitals. |
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5. Nationwide of California - Nationwide provides a full range of products and financial services that include auto, fire, life, health and commercial insurance; administrative services, annuities, mutual funds and retirement plans. Learn more about their top-notch services. |
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HSA Compatible PPO Choice Saver Plus 2400/4800 - Learn about the low priced, high benefits value of this Health Savings Account provided by Nationwide Health Plans of California. |
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