Individual Health Insurance California |
Lest face it, we all want to be healthy and part of our ability to be healthy means having health insurance. Health insurance can be a complicated thing when you get down to it. The simplest way is to have group health insurance with the company that you work for. This has the benefit of being cheaper and better due to the number of people involved. But what happens if we can't get group insurance or we have just lost our rights to it? In this case you have to try for Individual or family health insurance.
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Qualifying for an Individual health insurance policy in California can prove to be quite a difficult task, unless you know all of the the options and problems that you might come across. Individual health insurance California is different to group insurance in that they can decline or change the rates at the time of your application based on your health. For these reasons you should not decline a group insurance plan or any continuations such as COBRA if you have been offered them. You have to buy individual health insurance yourself so be careful with the choices that you make.
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Here are some of the common difficulties that people experience:
1. With existing conditions you may need to have been free of the symptoms, signs and treatment for a period of time for example up to 6 months
2. One insurance company may accept a client where as another may accept them even though their requirements are quite smilar. So, get a lot of Individual health insurance quotes.
3. If you are declined for cover then you may lose your short term option and as a result if you think their may be difficulties you should apply for the short term option first.
4. Being on brand name medications can cause a problem due to the extra costs involved.
5. If you have just left group coverage you may be on COBRA and if so you should still apply as COBRA is often more expensive.
6. Insurers are really looking at what is going on at the current time. If you have had problems in the past but are now free from them they shouldn't cause a problem.
7. If you are about to lose your COBRA entitlement you may have the right to get HIPAA especially if you have been on California group insurance over the last 18 months.
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Here are the common reasons people get refused cover under an Individual health plan:
1. You are currently pregnant or a partner of somebody pregnant.
2. You have multiple medications especailly if they are brand name ones.
3. You have had a recent injury
4. You have had recent treatment for heart disease, diabetes, cancer, immune system problems, or any other serious medical condition.
5. Your height and weight is outside the current guidlines.
6. You have multiple injuries, conditions or illnesses.
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To get Individual health insurance in California and to make sure that you are getting charged a reasonable rate you should make sure that you have accurate information to put onto the application forms. You should make sure that you know the full details of schemes such as COBRA and HIPAA when related to conversion coverage. There is no point refusing to disclose important information as you will eventually be found out and lose your entitlement anyway despite paying all of the insurance cost to date. As was stated above, 'one insurance company may refuse while another may accept you.' For this reason you should get as many quotes as you can from different companies. The easiest way to get these quotes is online and as a result you can start with your first quote by clicking this link to Individual health Insurance California quote.
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