California Health Insurance Quotes

Having California health insurance is an important part of your health care system. We are here to help you to arm with information and then get you free quotes on California health insurance for you to compare.

California Health Insurance-Things You Should Know

Types of California Health Insurance

There are five types of California health insurance policies you can choose to purchase:

Indemnity - Traditional fee-for-service plans, which you can seek treatment from any physician you choose. You may pay a co-payment or deductible.

Preferred Provider Organization - You can choose from a list of contracted providers to visit and also a choice to see someone out-of-network at a higher cost.

Health Maintenance Organization (HMO) - You have to see health care professionals who are HMO affiliates except during emergencies. People who take up HMO usually select a primary care physician to manage their care.

Self Insured Health Plan-Mostly used by school district, labor unions and large employees, these groups provide a pool of money which can be drawn to pay for their employees’ health care.

Multiple Employer Welfare Arrangement (MEWA) policies allow members of industries, trade, professional and other types of associations to set up trust fund to provide their employees health care.

Contact the California Department of Insurance at (800)-927-HELP, or visit their website for more information on these plans.

State-Assisted Care

If you are being declined for health insurance due to financial or health reasons, here are some options for you:

The Major Risk Medical Insurance Program (MRMIP)-offers limited health insurance benefits to those who are being declined for coverage due to a pre-existing condition. However, there are some restrictions. Call (800) 289-6574 for more information.

The Access for Infants and Mothers Program (AIM)-expands care for pregnant women and offers comprehensive benefits plan which include both inpatient and outpatient care. Call (800) 433-2311 for more information. Pacific Health Advantage (PacAdvantage) offers more affordable health insurance to small businesses which comprise of two to 50 employees and the rates vary depending on age, region and family size.  Call (877) 735-5742 for more details.

 There are many other ways California is working to ensure all its residents are insured other than the above-mentioned methods.

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