What Is So Special About California State Medical Insurance?
One of the great things about California state medical insurance, and something which makes it different from medical insurance in other states, is the fact that everybody can get health insurance. California has worked very hard to set up a network of health insurance providers to make sure that everyone that wants health insurance can get it.
State law required that certain provisions are included in plan written by a health insurance company in California. Additionally, it is also the state's aim to see that health insurance plans are made available to all California residents, regardless of their income. The state requires that all health insurance plans in California are renewable and that pre-existing conditions cannot preclude you from getting health insurance. So, once you have a policy then, regardless of what happens to you, the insurance company cannot merely cancel it and must give you the option to renew it.
So what exactly does this mean?
Well, let's say that you are a young professional just starting out in your own small business. The state allows you to buy affordable health insurance which you might not have been able to afford otherwise but you look at your new policy and wonder why you are paying for some of the benefits that you are getting. You simply cannot see why you would need some of them, even if you can get them at a fair premium, and wonder if it is not really a waste of money.
Then suddenly one day your life is turned upside down by a tragic car accident and you are facing a very long recovery period. Suddenly the benefits which you did not think you needed come into play and your long-term care needs are covered. You can relax and focus on getting healthy again in the knowledge that whether it takes five months or five years you will continue to be able to get health insurance to cover the costs. Health insurance after all should be designed to cover the cost of being sick, getting healthy and staying healthy.
We never know what is going to happen to us and, while certain things may seem to be a waste of time or money, things can change in an instant. You may be young and living a healthy lifestyle and that is great for you and you will benefit from that, but there is always the possibility of accident or illness that can have a profound impact on the quality of your life.
The California state health insurance system gives residents of California some very much needed peace of mind. They know that regardless of their job, finances or health they can get California personal health insurance and their policy will protect them no matter what happens.
We never think that a young healthy person is going to end up needing long-term care but it happens every day and, by ensuring that everyone can get cover, California can keep its own state costs down. It should also help in reducing the total cost of health care for the residents of the state.
Remember the next time you look at your policy that you may not think that you need some of the things that you are covered for now but you might one day and you will be very glad that you retained your cover.
California life and health insurance quote
Ancillary services: Auxiliary or supplemental services, such as diagnostic services, home health services, physical therapy, and occupational therapy, used to support diagnosis and treatment of a patient's condition.
Demand management: The use of strategies designed to reduce the overall demand for and use of health care services, including any benefit offered by a plan that encourages preventive care, wellness, member self-care, and appropriate utilization of health services.
Network model HMO: An HMO that contracts with more than one group practice of physicians or specialty groups.
Revenues: The amounts earned from a company's sales of products and services to its customers.
Officials question Anthem insurance rate hikes - San Francisco Chronicle
9 Feb 2010 at 1:22am
New York Times (blog)
Officials question Anthem insurance rate hikes
San Francisco Chronicle
Health insurers in California can raise rates for policyholders as much as they want and whenever they want. State regulators can oversee the increases to .....
On Health Bill, GOP's Road Is a New Map - New York Times
8 Feb 2010 at 9:11pm
Washington Post
On Health Bill, GOP's Road Is a New Map
New York Times
Representative Paul D. Ryan also would encourage but not require states to set up health insurance exchanges where consumers could compare and by coverage. ...
No high hopes for he...
California cracking down on health discount plans marketing themselves as ......
8 Feb 2010 at 9:32pm
California cracking down on health discount plans marketing themselves as ...
Examiner.com
Today, California regulators are cracking down on health discount plans that are marketing themselves as health insurance or dental insurance. ...
California T...
Guest commentary: Government should regulate health care, not run it - Naples...
8 Feb 2010 at 6:46pm
Guest commentary: Government should regulate health care, not run it
Naples Daily News
National or state pools run by the industry can take care of this, just as we do with the uninsurable driver's insurance program. The next issue is ability ...
Ove...
|
