California Health Care
Most know that California is one of the most beautiful states to live in, and one of the most expensive. The cost of housing makes it hard for most families to afford some of the simple things in life. Add to this, the current tough period in our economy, and you can see why CA has more than six million uninsured residents.
Most people in California are hard working families who are in a limbo between making too much money to qualify for state sponsored programs, yet not enough to buy individual coverage. The rise in unemployment has also had its affect on this large number of uninsured Californians. The good news is that there is still hope for finding affordable coverage for you and your family.
How California's health system is structured
It may not seem very important at first, but the way CA's health care is managed by the state plays a key role in types of coverage offered to families. California has two agencies that regulate health insurance:
- California Department of Insurance – Regulates indemnity and PPO plans.
- California Department of Managed Health Care – Regulates HMO plans.
Depending on the type of health care you are seeking, both agencies are great resources for information on respective types of coverage and for dealing with disputes or claims.
Individual health care in CA
Most residents in California that already have insurance usually buy it through their employer in a group plan. If your employer doesn't offer health insurance benefits; you work less than 30 hours per week; or if you are unemployed, then you will want to consider an individual plan. Something to consider if you have a preexisting condition is to apply to the California Major Risk Medical Insurance Program (MRMIP). Buying an individual health plan in California doesn't have to be expensive. You can find affordable health care just by simply requesting a quote here!