The latest trend in individual health insurance in California is to offer “individual only” policies. This means that only one person is covered by the policy.
Examples of these new policies are: Blue Cross
Right Plan 40 PPO, Tonik Calculated Risk-Taker Plan, and Blue Shield Active Start plans.
This is no problem if you are single. However, this could be financially ruinous if you have a child who has medical needs. New born children would be excluded from these types of policies.
New born children with medical problems may not be able to pass the insurance company underwriting process and therefore be unable to obtain medical insurance. Accordingly, a parent would have to pay all of the cost for medical care for the new born child – with no help from the insurance company.
Many older generation individual medical insurance policies in California (e.g., Blue Cross PPO Share $2,500 cover new born children.
Get a California individual medical insurance quote online or call BenefitsCafe.com at 800-746-0045.