California Health Blog

Scrutinizing California Health Insurance

admin — Sun, 13 May 2012 09:55:03 +0000

When you have a family, getting California health insurance is important. However, it can be even more important to scrutinize the fine print. A friend told me that she originally thought a plan had a $5,000 deductible, only to discover that was per person. The plan she thought had a $5,000 deductible could have cost her family $20,000. It would have required a $5,000 deductible for each member of her family. That's one of the reasons people hate to look for CA health insurance. The Continue reading this entry »

Are California Health Insurance Travel Plans Essential?

admin — Wed, 09 May 2012 15:11:10 +0000

While traveling, a medical emergency does not wait for the right time to take place. A mountain resort, a cruise ship or the middle of an African safari can be the place where accidents occur. This is harder when you’re travelling out of the country since most California health insurance plans do not cover international medical treatment. Having an international travel health plan can cover your medical care treatment when out of the country. This is the most important thing to bring along Continue reading this entry »

What Has California Health Insurance Got To Do With Mother’s Day Gifts?

admin — Mon, 07 May 2012 11:53:44 +0000

Ever wonder if Mother’s Day gifts were the idea of greeting card companies and department stores? Although the Mother’s Day date varies, it’s celebrated in more than 46 countries and the idea has been around since ancient Greek and Roman civilizations. The best Mother’s Day gift isn’t flowers or edible arrangements, though. It’s making pregnancy safe, and guaranteeing mothers medical care and a doctor and hospital they trust. Women’s health depends on access to doctors and many Continue reading this entry »

Getting Better California Health Insurance Is Easier Than You Think

admin — Sun, 06 May 2012 03:43:58 +0000

With the skyrocketing cost of health insurance premiums, coverage can seem like a luxury. But it's not. Too many individuals and families have given up regular preventive health care that could easily identify a deadly disease before it’s too late. There’s been a huge change in California health insurance that you won’t want to miss. Any California health insurance plan you buy now, even one with a $10,000 deductible, will pay for recommended preventive services. However, you must Continue reading this entry »

California Health Insurance Mistake That You Should Avoid

admin — Wed, 02 May 2012 04:18:42 +0000

Sometimes with our busy schedules, we have no time to shop for California health insurance. But, that can be a costly mistake. If you settle for the first California health insurance plan you find, you're probably paying too much. This is very common. Often, people don't shop different insurance companies and compare various kinds of coverage. Finding the best health coverage for you and your family doesn't have to be an ordeal. Start by taking a look at your medical bills from last year. Continue reading this entry »

Are California Health Insurance Rates Affected By Healthcare Costs?

admin — Mon, 30 Apr 2012 04:47:51 +0000

The 2012 Health Care Policy Cost Index from the Small Business & Entrepreneurship Council revealed that California jumped two places from 12th last year to 10th highest this year. If healthcare costs rise, your plan premiums will also increase. If this trend continues in California, will people still be able to afford getting health insurance for California? One sure way to decrease healthcare costs and your California health insurance plan premiums is to get a high-deductible health Continue reading this entry »

Will California Health Insurance Change?

admin — Wed, 25 Apr 2012 11:15:39 +0000

Millions of Californians are currently benefiting from the Affordable Care Act. Insurance companies are not allowed to deny children health coverage because of a pre-existing medical condition. Michelle Morgan, mother of a 4-year old child with asthma, gained California health insurance coverage due to one of the mandates of the health care reform law. She is hoping that she will never again be put in the position that she experienced years back when insurers were allowed to deny sick children. Aside Continue reading this entry »

California Health Insurance Covers Autism Services

admin — Tue, 24 Apr 2012 01:25:45 +0000

The nonprofit advocacy group Autism Speaks surveyed 848 members of the autism community from all across the country last year. Seventy-four percent of participants had trouble getting quality services and support, but as autism awareness grows, health insurance for California has been given a new mandate. April 2 is World Autism Day. Since Autism Speaks’ last report, five states have passed autism insurance reform laws mandating that insurance companies provide behavioral treatments that Continue reading this entry »

Cost-Effective California Health Insurance Plan That Covers Preventive Care

admin — Sat, 21 Apr 2012 07:26:21 +0000

One thing is certain, California health insurance premiums will continue to rise. If you don’t do something about it, you might wake up one day and realize that it’s out of your reach. That’s why we encourage you to get all of the benefits possible from the new California health insurance plans available. The new plans cover preventive care for all ages with no co-pay or co-insurance. That is true even if you get a plan with a deductible and don't spend enough on health care to meet the deductible. Preventive Continue reading this entry »

Are California Health Insurance Services Comparable To Internet Information?

admin — Thu, 19 Apr 2012 01:52:35 +0000

In an attempt to lower out-of-pocket costs, an increasing number of people are turning to the Internet to get information about their health condition rather than consulting their doctors. Are you aware that not all information posted on the Internet is accurate and can possibly aggravate your health problem? The best way to handle everything when you experience health problems is by consulting a doctor. If you are afraid of paying more for health care, getting a California health insurance Continue reading this entry »

California Health Insurance And The Boston Marathon

admin — Mon, 16 Apr 2012 15:00:05 +0000

Christine Kelleher-Ross is training for the 116th running of the Boston Marathon, the world's oldest annual marathon. Women were not even allowed to enter officially until 1972, but last year they made up 43 percent of the entrants. Christine is running for Children’s Hospital Boston. She says, “It breaks my heart to see sick children and how it affects the whole family. When I see a child who is ill, I see a strength in them that touches my heart and I would like to help them in any Continue reading this entry »

Get California Health Insurance Before January 1 Strikes

admin — Sun, 15 Apr 2012 01:56:03 +0000

Most California health insurance companies implement their annual rate increases on January 1. So what’s my point? If you want lower premiums, you better shop for a California health insurance plan before January 1 strikes to lock in current rates for some time. Usually, if you have an outdated CA health insurance plan you get to see increases first. If you want to get a better deal, you can do some comparison shopping and switch plans. Not only do plan prices vary considerably, but Continue reading this entry »

Can Rising California Health Insurance Premiums Be Avoided?

admin — Wed, 11 Apr 2012 04:10:01 +0000

Last July, the dreaded rate hikes were finally implemented by some of the largest California health insurance companies. More than 1.5 million Californians are seeing rates go up on their CA health insurance plans. On average, the increases vary from three percent to over 17 percent depending on which California health insurance plan you have. We might even see another rate increase in January. Are the rising costs of California health insurance plans too much to handle? The first step Continue reading this entry »

California Health Insurance Can Help The Critically Ill

admin — Fri, 06 Apr 2012 16:08:26 +0000

A lot of people are switching from co-pay California health insurance plans to ones with a high-deductible. This is an attempt to lower health care out-of-pocket costs. Yes, you do get lower premiums by 30 to 40 percent. However, there is a risk associated with high-deductible health plans. One of the risks when you have a high-deductible California health insurance plan is that once you get sick, you need to come up with several thousand dollars. This is because your coverage will only begin Continue reading this entry »

California Health Insurance Can Help Minimize Your Taxes

admin — Mon, 02 Apr 2012 16:05:43 +0000

As much as possible, all of us would like to enjoy our entire salary. However, we are all obliged to pay taxes annually. When you have a California health insurance plan in place, it can help lower your yearly income tax by several thousand dollars. How is that possible? Health Savings Accounts (HSA) are tax-favored savings accounts combined with a qualifying high-deductible California health insurance plan. For this year, you must have a deductible between $1,200 and $6,050 for singles, and Continue reading this entry »

Get California Health Insurance With Low Premiums

admin — Thu, 29 Mar 2012 16:04:44 +0000

Do you feel that you are paying too much for your California health insurance plan? Do you even have enough coverage? You never have to pay more for a health insurance policy with limited benefits. So, when getting health coverage, the first thing you need to do is ask yourself why you’re getting one. Usually, you sign up for California health insurance to protect your finances in the event of a medical emergency. Handling all the out-of-pocket medical expenses without health coverage could Continue reading this entry »

Is Lowering California Health Insurance Premiums Part Of Your 2012 Resolution?

admin — Mon, 26 Mar 2012 04:07:01 +0000

Another year has passed. As we welcome this year, are you ready to face higher California health insurance premiums? With household budgets struggling to stay on-track, many families and individuals are scrambling to find ways to save on their health insurance premiums each month. Here’s a great tip to lower premiums and let you live a longer life. Numerous studies point out that living a sedentary lifestyle increases your risk of acquiring diseases such as obesity, diabetes and cardiovascular Continue reading this entry »

California Health Insurance PCIP

admin — Thu, 22 Mar 2012 02:53:06 +0000

The California health insurance PCIP (Pre-Existing Condition Insurance Plan) was set up under the Patient Protection and Affordable Care Act by President Obama. The goal is to help people with a pre-existing condition get health care coverage. It’s supposed to last until 1/1/2014 at which time there will be no medical underwriting and all insurance companies must take everyone without regard to pre-existing medical conditions. In order to be eligible for this plan one must have been declined Continue reading this entry »

Young Adults Need California Health Insurance

admin — Sun, 18 Mar 2012 02:51:55 +0000

According to a recent report by the Commonwealth Fund, 30% of people without health insurance are between the ages of 19 to 29. People between the ages of 19 to 29 make up 15% of the population of the United States. Yet they comprise 30% of those without health insurance. Some of the reasons for the high percentage of people in this age group lacking California health insurance include: young adults who are too old to stay on their parent's California health insurance plan and who do not enroll Continue reading this entry »

California Health Insurance Plan Option For College Students

admin — Wed, 14 Mar 2012 02:50:29 +0000

Are you heading off to college soon or are you a returning student? Before you get to campus, make sure to check your California health insurance. Sure, most incoming freshman and undergrads don’t think they need to worry about insurance. They’re invincible. There are so many other things to be concerned about rather than health insurance. However, it’s best to figure out your coverage now than to wait until you have an emergency. Most California colleges and universities require all of Continue reading this entry »

Increase California Health Insurance Savings

admin — Fri, 09 Mar 2012 15:23:24 +0000

Parts of the new health care reform law have already taken effect. If you purchased California health insurance after health care reform became law, preventive care will be covered even if you don't meet the deductible. Since these high-deductible policies frequently offer the most affordable premiums, the change in the law takes a lot of the worry out of looking for affordable coverage. Getting PPO plans can also help you land an affordable California health insurance plan. PPO plans offer Continue reading this entry »

California Health Insurance Rate Hikes Alarm Consumers

admin — Mon, 05 Mar 2012 15:22:05 +0000

Three of the major health insurance companies (namely Aetna, Anthem Blue Cross and Blue Shield of California) announced they wanted to increase the rate of premiums for individual policyholders in California. According to these companies, the increase is justifiable based on the constant rise of medical costs and services. Blue Shield of California even plans as much as a 59% hike increase for some consumers. There are some options that can help you keep your health insurance in California premiums Continue reading this entry »

California Health Insurance Gaps Filled In By Accident Insurance

admin — Thu, 01 Mar 2012 15:19:45 +0000

Did you know that you can limit your liability by adding accident insurance to fill in the gaps of your California health insurance? According to the National Safety Council, 1 out of 9 Americans have sought medical attention for an accidental injury and over 80 percent of all claims are accident related. Supplemental accident insurance plans are much less expensive than regular health insurance, yet not everybody has heard of them. Not only are the monthly premiums low, but so is the deductible. Continue reading this entry »

What Is A California Health Insurance Health Reimbursement Account?

admin — Sat, 25 Feb 2012 14:52:19 +0000

As medical insurance premiums continue to rise, employers are seeking ways to retain richer benefit levels with alternative methods of funding them. The selected California health insurance plan typically has a high deductible with a greater out of pocket maximum and thus a lower premium. An HRA is then implemented to pay claims underneath the deductible to the maximum selected. A Health Reimbursement Arrangement (HRA) is an employer-funded CA health insurance plan that reimburses employees for Continue reading this entry »

Beat California Health Insurance January 1 Rate Hikes

admin — Tue, 21 Feb 2012 14:49:58 +0000

When you’re living on a tight budget, getting rate increases is very frustrating. California health insurance companies tend to apply rate increases to the policies they’ve had the longest. That means you may not see a rate increase for a year. To stay ahead of those increases, shop whenever you get notice that your rates are going up. You can probably count on that coming annually. January 1 is infamous for higher rates. To keep your premiums low, request an effective date of the 28th of Continue reading this entry »

California Health Insurance Offers Variety

admin — Fri, 17 Feb 2012 14:48:36 +0000

Maybe you’re having trouble finding coverage that works for you because you’re not getting comprehensive assistance. Not all California health insurance agents are thoroughly informed about the different kinds of coverage available. Health insurance is complicated. Agents who just offer a few California health insurance plans rarely take the time to keep up with all of the new plans coming into the market. To make it easier, think of health insurance in California as coming in different Continue reading this entry »

California Health Insurance Child Only Open Enrollment

admin — Mon, 13 Feb 2012 14:46:04 +0000

California's initial open enrollment period for "child only" California health insurance policies begins on New Year's Day 2011. This period runs through March 1, 2011. During that open enrollment period, any child can enroll in a private, non-group California health insurance plan. And, the insurer cannot deny the child's application for health insurance due to any pre-existing medical conditions. Following the initial open enrollment period (January 1 through March 1), a child's birth month Continue reading this entry »

California Health Insurance For Busy People

admin — Thu, 09 Feb 2012 15:27:47 +0000

When we live in a fast paced world, we try to get all our work done by the end of the day. Living a busy life can also mean neglecting a few important things such as getting a California health insurance plan to cover our healthcare needs. This is not the time to let that slip, though, because health insurance has expanded coverage for health care that has been shown to prevent disease. By coverage, I mean with no out-of-pocket cost as long as you see a doctor who’s in the plan’s provider Continue reading this entry »

Are Individual California Health Insurance Plans A Better Choice?

admin — Sun, 05 Feb 2012 11:39:27 +0000

Many Americans consider themselves lucky to have an employer that offers a health insurance plan, but Linda Stern urges employees to take a closer look at their employer’s benefits before automatically going with their insurance. She has skipped her employer’s California health insurance for two years in a row and sought out individual health insurance for her and her family. She recognizes this choice isn’t for everyone, but offers some things to look for to determine if you should stick Continue reading this entry »

HSA California Health Insurance Clock Is Ticking

admin — Wed, 01 Feb 2012 11:32:01 +0000

You might have already heard about Health Savings Accounts. A Health Savings Account (HSA) is pretty popular in the health insurance market today. It helps people to save with low premiums, tax-free earnings and reduced taxes. To reduce your 2011 taxes, your HSA California health insurance plan must be in effect by December 1 to be able to deposit the allowed maximum contribution for the current year. To do that, you only need one of the high-deductible CA health insurance plans that are Continue reading this entry »

Does Your California Health Insurance Plan Have Limits?

admin — Sun, 29 Jan 2012 10:38:15 +0000

California health insurance companies place limits on the amount of money they will pay out. These limits can be changed to fit your needs. If you don’t ask about these limits, you might end up paying for more for healthcare. One of the most common limits placed by CA health insurance companies is the annual limit. This limits the amount of money that your California health insurance plan will pay out in a given year. Then there is the daily limit which is the most your policy will pay Continue reading this entry »

Health Insurance For California Is Important When You’re Young

admin — Wed, 25 Jan 2012 13:13:31 +0000

Are you still putting off getting California health insurance? Think you are too young to need it? Did you know that while you are still healthy this is the perfect time to get a California health insurance plan if you want to get low premiums? Procrastinating on finding California health insurance may mean more out-of-pocket expenses or worse, bigger health problems. If you have a pre-existing condition, you know how hard getting decent coverage at a reasonable rate can be. Health insurance Continue reading this entry »

California Health Insurance Fights Diabetes

admin — Sat, 21 Jan 2012 13:11:45 +0000

Recent statistics have shown that diabetes is indeed on the rise. This can have severe consequences for the health of the public as well as severe financial ramifications for everyone. The total cost of diabetes on a yearly basis is estimated at about 200 billion dollars. This includes medical expenses, disability and lost work. The annual cost of health care for someone suffering from diabetes is 2.3 times that of the average American. The first thing to worry about is your own health and that Continue reading this entry »

Combine Your California Health Insurance With An HRA To Enjoy 2012 Tax Write Off

admin — Tue, 17 Jan 2012 22:02:19 +0000

Every year, we need to cut some corners just to accommodate the increasing cost of health care. But, let me tell you, you don’t have to put up with that. If you are self-employed, you can reduce the high cost of California health insurance and your out-of-pocket medical expenses. Have you heard of Section 105 HRA plan? If not, then you might be potentially missing out on huge savings. An HRA or Health Reimbursement Arrangement is a type of plan that allows your business to reimburse the Continue reading this entry »

California Health Insurance Helps Children Facing Obesity

admin — Mon, 02 Jan 2012 17:33:10 +0000

Obesity is a growing health problem that occurs even in children. In California, an alarming 38 percent of children are obese. A study was recently conducted by the UCLA Center for Health Policy Research and the California Center for Public Health Advocacy. It showed from 2005 to 2010, the obesity rates for children in California went down by one point one percent. Although numbers are still high, this one percent drop can mean that there is still hope for kids facing obesity. You may have Continue reading this entry »

California Health Insurance For Young Adults

admin — Thu, 29 Dec 2011 17:32:39 +0000

Most young adults nowadays feel that they are invincible and that they won’t get a broken bone or other injury when they try a daredevil stunt. Almost 30 percent of young adults in the state do not have California health insurance to help if they do get hurt, though. To address this, our new health care reform law (The Patient Protection and Affordable Care Act) has a provision that allows parents to keep their children on their California health insurance plan until the children turn 26. Continue reading this entry »

Numerous California Health Insurance Plans From Which to Choose

admin — Sun, 25 Dec 2011 17:26:53 +0000

While there may be hundreds of individual policies, most California health insurance plans can be placed in one of four categories: “Co-pay plans,” “HSA-compatible high-deductible health plans,” “Catastrophic plans” or “Low-cost limited benefits plans.” In general, the amount of health care you routinely require will determine which type of plan will offer you the lowest rates. Typically, health insurance in California offers lower premiums on plans with high deductibles than on Continue reading this entry »

Get California Health Insurance Before The Year Ends

admin — Wed, 21 Dec 2011 17:15:12 +0000

Last October, some of the major insurance companies in California proposed and filed for health insurance premium rate hikes. According to these companies, the price increase was due to the fact that the cost of medical care and services are also on the rise. For individuals and families who are still planning to get their health insurance in California, now may be a good time. Blue Shield of California announced that they are postponing their proposed increase until the end of the year. Usually, Continue reading this entry »

Blue Shield of California Is Giving Money Away To Policyholders

admin — Sat, 17 Dec 2011 22:34:03 +0000

Did you know that Blue Shield of California is planning to pay nearly 2 million policyholders a slice of a $283 million pie? That’s a nice switch from all the bad news about rate hikes on health insurance for California this year. The insurer did not spend as much as projected on policyholders’ claims, so it owes them a refund. Health care reform requires insurance companies to spend at least 80 cents of every dollar they collect in premiums on medical care for members. That’s one way to Continue reading this entry »

California Health Insurance Covers Preventive Care

admin — Tue, 13 Dec 2011 22:33:38 +0000

You may know that California health insurance plans with high deductibles offer some of the lowest premiums, but think that wouldn't work for you with their high out-of-pocket costs. Something's new in high-deductible plans. What was once thought of castrophic coverage now provides preventive health care services every year whether you meet the deductible or not. All new California health insurance plans cover annual checkups, including well-baby visits, vaccinations, and many common screening Continue reading this entry »

Are California Health Insurance Quotes Affected By Gender?

admin — Fri, 09 Dec 2011 22:33:13 +0000

California health insurance companies have rated people differently based on gender when calculating California health insurance quotes and women ended up paying more for health care until health care reform leveled the playing field. The state of California has passed a new law that prohibits health insurance in California from using gender in pricing individual policies. Some experts believe that gender rating affects women negatively and makes it more expensive for them to get CA health insurance. Continue reading this entry »

California Health Insurance Plans Increase Preventive Care Coverage

admin — Mon, 05 Dec 2011 22:32:50 +0000

One thing California health insurance plan owners know only too well is that premiums for California health insurance are on the rise. That’s why we urge you to get all of the benefits possible from the new health plans. The new plans cover preventive care for all ages with no co-pay or co-insurance. That is true even if you get a plan with a deductible and don't spend enough on health care to meet the deductible. Preventive care and early detection of disease can help keep you and your family Continue reading this entry »

California Health Insurance Doesn’t Have To Come From The Insurer

admin — Thu, 01 Dec 2011 22:32:27 +0000

Did you know that you don’t have to deal directly with Aetna, Assurant, Blue Cross, Blue Shield, Cigna, Health Net, Nationwide or other insurers to get health insurance for California? There are several advantages to going through an independent broker who can advise you when you're comparing plans or should you have a problem with an insurer. Each CA health insurance company is, understandably, focused on selling their own products, but that bias serves them - not you. You needs are better Continue reading this entry »

Fighting California Health Insurance Rate Hikes

admin — Sun, 27 Nov 2011 22:32:05 +0000

California health insurance rate hikes have been big news for months, but the real news is how you can keep your premiums low. Start with a comprehensive overview of your options. Health insurance is not all the same. Certain plans tend to be the most expensive while others bring tax advantages. Generally speaking, co-pay plans are on the high end and plans with big deductibles are on the low end when it comes to prices. Right now, preventive care is fully covered in CA health insurance plans Continue reading this entry »

Remedy For California Health Insurance High Premiums

admin — Wed, 23 Nov 2011 22:31:38 +0000

Every year, California health insurance companies increase their premiums, but there are a few remedies that can help. When you want to save on health insurance for California, take a look at plans with deductibles. With health care reform, preventive care services are covered on the high-deductible plans you can buy now. You can have the benefit of annual check-ups, vaccinations, and a wealth of screening procedures for common diseases all covered when you use in-network providers. No co-pay Continue reading this entry »

Better California Health Insurance To Start The New Year

admin — Sat, 19 Nov 2011 22:31:09 +0000

It’s not unusual for California health insurance companies to raise premiums for the new year, but you may not have to pay that rate increase. One way to keep your premiums low is to combine a high-deductible health plan with what's known as a Health Savings Account. That combination can really stretch your health care dollars in two ways. You may have already looked into high-deductible policies because these plans typically have the lowest premiums. After health care reform, these policies Continue reading this entry »

December 1 California Health Insurance Deadline

admin — Tue, 15 Nov 2011 21:36:54 +0000

There are a lot of health care coverage options available, but none offer more ways to save than a Health Savings Account plan. Although that may be new to you, these plans, known as HSA plans, are really very easy to understand. You need a California health insurance plan that allows you to open a Health Savings Account and then you can reduce your federal and state income taxes, get tax-free earnings on your account and avoid paying tax on money you spend for health care that's not covered Continue reading this entry »

California Health Insurance COBRA Subsidy Ends

admin — Fri, 11 Nov 2011 01:38:13 +0000

As if losing work in this economy wasn't bad enough, many people have lost the group California health insurance their employer provided. In the midst of the mayhem, COBRA subsidies expired driving up premiums prices by as much as 300 percent. That's because federal subsidies took care of 65 percent of the costs to enable people to keep up their group plan coverage. With COBRA gone, many people are finding individual California health insurance plans that cost less than their old group health Continue reading this entry »

Save On California Health Insurance And Prescription Costs

admin — Sat, 05 Nov 2011 19:15:33 +0000

Many consumers are paying a huge amount just for their medicine, let alone their California health insurance. Some plans don't even provide coverage for prescriptions, but this doesn’t mean you have to pay retail price to get your medicine. Believe it or not, there are a lot of ways you can significantly reduce what you're spending on prescriptions. You can use the Internet as a tool to check which pharmacy has the lowest price on prescriptions. Google "prescription wizard" to find the Continue reading this entry »

California Health Insurance Options For The Unemployed

admin — Tue, 01 Nov 2011 19:14:39 +0000

With a marginal economy, many have not only lost their job, but also their health care coverage. Even people who are working multiple jobs, usually aren't getting any California health insurance coverage through employment. The outlook is not all "doom and gloom," though. Many people are finding individual California health insurance plans that cost them less than their old group health plan did. CA health insurance plans with deductibles tend to have low premiums, and the high-deductible Continue reading this entry »

Getting California Health Insurance Preventive Care?

admin — Sat, 29 Oct 2011 19:13:36 +0000

Are you getting the preventive care you need to stay well? Or, are you missing out because you think it would cost you a lot of money? Plans prior to health care reform did make you pay for preventive health care, but post health care reform plans don't. There's a long list of services, which are age specific, that are fully covered by the newer California health insurance policies. Coverage is available for annual adult check-ups and well-baby and well-child check-ups, along with vaccinations Continue reading this entry »

Is PPO California Health Insurance A Good Choice?

admin — Tue, 25 Oct 2011 19:12:38 +0000

In the world of health insurance, there’s a jungle of California health insurance plans that you have to sort out if you want to get the best coverage. There are managed care options, known as HMOs and PPOs, along with a wide range of deductibles. One of the most common and popular plan types of managed care is the PPO. These plans are popular because you have partial coverage for providers outside of the network and big discounts on services from in-network providers. If you want a high-deductible Continue reading this entry »

Tips Make California Health Insurance More Affordable

admin — Fri, 21 Oct 2011 19:12:16 +0000

Are you worried about the rising cost of health care? If you are not comparing California health insurance plans at least once a year, then you may be paying more than you need to for coverage. That's because insurers raise rates annually, or more often, and they apply rate increases first to those who've had coverage the longest. Comparing your options used to mean you had to talk to multiple agents, but there's no need to waste your time meeting one-on-one any more. In a few minutes, you Continue reading this entry »

Reduce Your California Health Insurance Premiums

admin — Mon, 17 Oct 2011 19:11:38 +0000

Probably one of the biggest changes in California health insurance is that policies issued now will cover preventive services designed to keep you healthy and to catch common, but potentially devastating, diseases. You don’t have to pay for annual check-ups, vaccinations or screening procedures to detect common forms of cancer, diabetes or heart disease, even if you have a high-deductible plan. That not only gives you access to more health care, but also puts a new spin on high-deductible Continue reading this entry »

California Health Insurance Made Easy

admin — Thu, 13 Oct 2011 19:11:03 +0000

When you're shopping all alone, it can be really hard to choose which California health insurance plan will best fit what you and your family need. There are hundreds of plans out there at a wide range of prices. To make it simpler, start to narrow down your choices with some expert tips. If you're looking for a bargain in health insurance for California (and, who wants to pay more than necessary to increase an insurance company's profit?), remember that the least expensive policies have deductibles. Continue reading this entry »

Keeping California Health Insurance Costs Low

admin — Sun, 09 Oct 2011 19:10:19 +0000

In the world of California health insurance, there needs to be a balance between your coverage and the cost of premiums. Did you realize that the least expensive health plan may require you to pay a higher percentage of your own medical bills? That's called your out-of-pocket costs, which include co-insurance, co-payments and deductibles. If you're paying for too much of your health care, then you're not saving anything by getting low premiums. Health insurance for California comes with a wide Continue reading this entry »

California Health Insurance Meets Savings on Lab Tests

admin — Wed, 05 Oct 2011 19:09:37 +0000

Cutting down the cost of California health insurance doesn't always mean finding low premiums. Some plans don't pay for lab tests, but you may be able to get blood test, for example, at a fraction of the typical retail price. That's equally true for other things like CT-scans, MRIs and X-rays. These types of services are usually quite expensive in hospitals, but are much cheaper at independent facilities. A recent visitor to our website actually wrote us about his "unbelievable" savings and Continue reading this entry »

Can Health Insurance For California Cost Less?

admin — Sat, 01 Oct 2011 15:07:15 +0000

One proven way to save on California health insurance is by using a plan with a high deductible and a PPO or Preferred Provider Organization network of providers. Such a high-deductible plan will pay for preventive health care services from in-network doctors before the deductible has been met. PPO networks are often extensive and give you a good selection of providers to work with, too. Of course, a high-deductible plan isn't going to pay for all kinds of medical care before the deductible Continue reading this entry »

California Health Insurance Premium Increases Hit More Than 1.5 Million Californians

admin — Tue, 13 Sep 2011 15:15:42 +0000

This July, the dreaded rate hikes were finally implemented by some of the largest California health insurance companies. More than 1.5 million Californians are seeing rates go up on their CA health insurance plans. On average, the increases vary from three percent to over 17 percent depending on which California health insurance plan you have. According to data from the California Department of Insurance, Aetna’s small-group customers will see rates soar up to 92.5 percent. The average Continue reading this entry »

California Health Insurance Made Easy

admin — Fri, 09 Sep 2011 15:14:27 +0000

It’s pretty certain that when you talk about California health insurance, it seems like it just keeps getting more expensive. Co-pays, deductibles, and higher rates if you need to see a doctor that's not in the network can be a never ending cycle. Here's how you can fight back. California health insurance gives you a lot of options. You don't have to settle for a co-pay plan that comes at a premium. The best California health insurance plan for you may not cover everything, but it may Continue reading this entry »

Beat California Health Insurance Rate Hikes

admin — Mon, 05 Sep 2011 15:13:56 +0000

It seems like California health insurance companies should be earning tons of money with the back-to-back rate increases we've seen lately. For almost a decade now, the cost of CA health insurance has increased to a mind boggling 131 percent. That is twice the rate of medical inflation for the past 12 years. With that kind of rate increases, we all need to learn a few tips to help keep our premiums from breaking the budget. The first step is to shop for California health insurance often. I Continue reading this entry »

Need California Health Insurance Agents To Get Insured?

admin — Thu, 01 Sep 2011 15:11:56 +0000

It is quite common to get information on California health insurance plans from companies such as Aetna, Blue Cross of California, Blue Shield of California and Health Net of California, but that's not your only option. What if you could grab a beer and go online to see what all of them have to offer without ever having to talk to an agent? Even if do come up with questions and eventually want to talk it over with someone with experience, looking at rates and deductibles can help you see what Continue reading this entry »

Seeking Quality California Health Insurance Coverage?

admin — Sun, 28 Aug 2011 15:11:23 +0000

California health insurance comes with an array of provider networks. Some insurance plans offer no coverage if you seek a doctor outside of the provider network, such as HMOs (Health Maintenance Organizations). With other plans known as PPOs (Preferred Provider Organizations), you get partial coverage if you see out-of-network doctors, but you can get big discounts on health care within the provider network. Having a PPO California health insurance plan has other benefits, too. The provider Continue reading this entry »

Telemedicine For California Health Insurance

admin — Thu, 25 Aug 2011 15:10:44 +0000

A rising issue for health care is that increasing numbers of people do not have access to health care providers. That could be because faltering health makes it difficult to travel to see a doctor. While the problem may be easily addressed in urban areas, rural areas offer a greater challenge. One growing solution in the California health insurance system is known as telehealth, or more popularly called telemedicine. With telemedicine, health care can be brought to far flung areas around Continue reading this entry »

Combining California Health Insurance With An HSA

admin — Sun, 21 Aug 2011 15:10:01 +0000

Imagine having California health insurance with premiums that are 40 percent lower than what you've been paying? Yes, it is possible and people are already doing it by switching to CA health insurance plans that allow them to start a Health Saving Account (HSA). Because an HSA works with policies that have deductibles, the plans typically cost less than co-pay plans. And, when I say less, I mean hundreds or even thousands of dollars less every year. As a rule of the thumb, the higher your Continue reading this entry »

Save On California Health Insurance With An HSA

admin — Wed, 17 Aug 2011 15:07:10 +0000

Is it possible to save money these days on California health insurance? Despite rate hikes, people are still able to find bargains. Take the story of Daniel Jefferies, for example. He was spending $1,380 per month, but now he's trimmed that down to less than $400. How did he do it? By making informed decisions, such as switching from an expensive co-pay California health insurance plan to one that had a deductible. This is the first year that a plan with a deductible won't interfere with Continue reading this entry »

Group Health Insurance For California May Be Changing

admin — Sat, 06 Aug 2011 12:40:40 +0000

A survey recently conducted by McKinsey & Company showed that the new federal healthcare law may significantly change how employees get health insurance from employers. Out of 1,300 employers questioned, more than 50 percent said that they will explore options to provide employment-based health insurance. By 2014, the federal Affordable Care Act will require employers with more than 50 employees to provide reasonable CA health insurance coverage or face a penalty fee per employee. Proponents Continue reading this entry »

California Health Insurance For Low Income Residents

admin — Tue, 02 Aug 2011 15:42:33 +0000

A new basic California health insurance plan will be made available for low-income residents. Senate Bill 703 was passed with a vote of 25 to 14 and is on its way to the Assembly. The bill’s main proponent, Democratic Sen. Ed Hernandez, designed his bill to make California health insurance available to those in low-income brackets. Many of the uninsured simply lack the income to cover rapidly escalating California health insurance premiums. With many competing needs and increases in the Continue reading this entry »

Blue Shield of California Gives Money Back To Consumers

admin — Fri, 29 Jul 2011 14:41:54 +0000

Blue Shield of California, one of the largest health insurance providers, announced that customers will see a decrease of 2.5 percent this year in their CA health insurance premiums. That would mean savings of up to a couple hundred dollars on California health insurance plans. Blue Shield California says it will give excess amounts above the $180 million net income it earned last year back to customers. According to Bruce Bodaken, Blue Shield’s CEO, this demonstrates that Blue Shield places Continue reading this entry »

California Health Insurance Provides Preventive Care For Men

admin — Mon, 25 Jul 2011 13:41:27 +0000

Who says that preventive care services only benefit women? In California, men can find a range of affordable preventive care options regardless of their California health insurance coverage. It is true that women are more likely to take advantage of annual examinations and preventive care than men are, but now that preventive care comes with no out-of-pocket costs, that may change. With a new California health insurance plan, you can have 100-percent coverage for preventive care services even Continue reading this entry »

Getting California Health Insurance Should Not Be Delayed

admin — Thu, 21 Jul 2011 15:39:41 +0000

In our fast-paced world, managing our health care is sometimes left to chance. Because health care is among the most costly things we have to deal with, not getting up to speed on how California health insurance works can leave us with devastating medical bills. Not all policies are created equal. Certain kinds of coverage have gaps, while other types of plans give discounts to keep your out-of-pocket costs low. When the additional reforms of the Affordable Care Act go into effect in 2014, Continue reading this entry »

Added Savings On California Health Insurance

admin — Sun, 17 Jul 2011 17:39:06 +0000

Even if you don’t like shopping for California health insurance plans, you'll enjoy finding a way to save money on your health insurance and your health care. One of the best ways to pay less for health insurance is to shop with different insurance companies and shop often, or at least once a year. When you realize how quick and easy that is online, you'll wonder why you didn't think of it years ago. When it comes to finding the best deal on California health insurance, your plan's deductible Continue reading this entry »

California Health Insurance Companies Should Roll Back Rates

admin — Wed, 13 Jul 2011 17:38:41 +0000

California health insurance companies are earning billions of dollars with excessive rate hikes that consumers pay for annually. Insurance companies have imposed double-digit rate increases even while pocketing record-setting profits. Since 1999, consumers have been hit with a shocking 131% increase in the cost of California health insurance plans. That’s twice the rate of medical inflation over the past 12 years, so what's supposed to be driving up the rates? As you've probably noticed, Continue reading this entry »

Cheap California Health Insurance Depends On Regular Wellness Checkups

admin — Sat, 09 Jul 2011 13:35:42 +0000

Good health is the key to cheap California health insurance. As you age, it becomes tougher to find affordable CA health insurance, but not impossible. You have lots of control over your physical well-being and there are many things you can do to improve your health. That means you'll pay less not only for medical expenses, but you'll also get medical insurance at the lowest rate. Medical underwriting estimates what you'll cost the insurance company in terms of healthcare. If you have a pre-existing Continue reading this entry »

Get Good Family California Health Insurance Quotes

admin — Tue, 05 Jul 2011 17:34:20 +0000

Some California residents share the cost of their family health insurance for California with their employer. However, with the rising cost of health care, more and more employers are dropping CA health insurance coverage for employees' families. Even if you still have a family plan, you've probably seen a big increase in your cost for keeping it. Californians are discovering that an individual plan with a deductible can be hundreds of dollars less in terms of their monthly premium. Even Continue reading this entry »

What HMO California Health Insurance Plans Offer You

admin — Sat, 02 Jul 2011 11:27:00 +0000

With health care costs on the rise, it is of the essence to protect yourself with California health insurance. Having CA health insurance can definitely take the weight off your shoulders when paying for hospital bills. You might have heard of HMO health insurance for California, but do you know what this health insurance plan offers you? Health Maintenance Organization (HMO) plans are popular because they work with no claim forms. You don’t have to wait long before getting reimbursed. Continue reading this entry »

Can California Health Insurance Save You Money On Prescriptions?

admin — Thu, 30 Jun 2011 00:22:47 +0000

Usually the least expensive California insurance plans don’t cover prescriptions. There are other ways to reduce the cost of your prescriptions, though. When it comes to refilling a prescription, most people do not spend much time comparison shopping. Those people may be spending a lot more for their prescriptions than they need to pay. Many pharmacies are offering significant discounts just to increase their in-store traffic. They want you to browse their store while you wait for your Continue reading this entry »

Get More From California Health Insurance Plans With Bill Negotiation

admin — Sun, 26 Jun 2011 04:44:23 +0000

Did you know that there are options out there that you can use to reduce your out-of-pocket costs regardless of which health insurance in California you have? Bill negotiation is routinely used by big companies, including CA health insurance companies. Now, you can take advantage of it, too. Large companies regularly negotiate with hospitals and other medical providers in order to get the lowest price possible, but the general public rarely has this opportunity. A bill negotiation service Continue reading this entry »

California Health Insurance Can Help People Suffering From Pain

admin — Wed, 22 Jun 2011 01:17:31 +0000

AB 369 is a new bill introduced by Hoffman that is said to help people suffering from pain to get insurance companies to pay for the pain medications prescribed by their doctors. Nowadays, there is an issue about Medi-Cal and some private health insurance in CA using what's known as step therapy. Step therapy is an approach that requires patients to try less expensive over-the-counter medications before the insurer agrees to pay for the medications prescribed by the physician. The California Continue reading this entry »

California Health Insurance Can Help Women With Preventive Care Services

admin — Sat, 18 Jun 2011 03:16:29 +0000

According to The Office on Women’s Health, there had been a decline in the number of California women seeking preventive care such as mammograms and Pap tests despite having CA health insurance. This problem is attributed to the current economic state and the rising cost of medical care services. Older plans may not cover preventive services, but any plan purchased after health care reform must cover many preventive services like mammograms and Pap tests. If you don't have California health Continue reading this entry »

Get California Health Insurance Before Rate Hikes

admin — Tue, 14 Jun 2011 02:15:31 +0000

Even though rates consistently rise, you can time getting California health insurance to keep your premiums down. For example, approximately 65,000 Californians who have individual policies from Aetna are looking at an average premium increase of 12.2 percent as of July 1. While there’s little you can do to change that, you can work the system. By that, I mean time when you re-evaluate your coverage to give you enough time to switch to a different plan before you’re billed at the higher Continue reading this entry »

California Health Insurance Rate Hikes Face Scrutiny

admin — Fri, 10 Jun 2011 04:14:17 +0000

Every year, individuals who buy their own policy are hit with the inevitable California health insurance rate hikes. And, every year, someone voices the need to review these rate hikes. That's about to change before the year ends. Health and Human Services (HHS) will require California health insurance companies to justify rate increases that are above 10 percent. This will go into effect on September 1, 2011. California health insurance companies will be expected to provide consumers Continue reading this entry »

California Health Insurance Premiums Are Lower When You Exercise

admin — Mon, 06 Jun 2011 19:34:40 +0000

A lot of you might be wondering, “How can exercising lower down my California health insurance premiums?” Recent statistics show that nearly a quarter of Californians or 24.2 percent are obese. As we all know, obesity can greatly predispose a person to health problems. Some health conditions related to obesity include hypertension, diabetes, and cardiovascular diseases. Generally speaking, people who are in good health tend to have lower CA health insurance premiums than the people who Continue reading this entry »

PPO California Health Insurance Plans Can Help You Save Money

admin — Thu, 02 Jun 2011 17:31:30 +0000

One of the most popular California health insurance plans on the market today are PPO plans. Before signing up this type of health insurance, or any coverage for that matter, it pays to have a basic understanding of the California health insurance being offered to you. A PPO California health insurance plan can help save money on your out-of-pocket expenses. How? PPO plans offers substantial discounts on health care services even before you meet your plan's deductible. You need to select Continue reading this entry »

Hunting for California Health Insurance?

admin — Mon, 30 May 2011 13:52:40 +0000

Finding health insurance for California can be daunting. With hundreds of plans offered by different companies, how will you narrow down your search and pick the one that best suits your needs? The easiest way to hunt for California health insurance is by searching and shopping online. You can run instant health insurance quotes for California right here from different A-rated insurance companies. Start by reviewing our educational resources to help you select what type of health insurance Continue reading this entry »

Trim Down Health Insurance For California Costs By Staying Healthy

admin — Thu, 26 May 2011 09:51:35 +0000

With a healthy lifestyle, it’s not only more fun to avoid getting sick, but it’s also a lot less expensive in terms of what you pay for California health insurance premiums. That’s because when you are in a good health, you will have no problem switching to another plan when you are hit with premium rate hikes. California health insurance companies have medical underwriting standards. That’s how they evaluate what it might cost them to pay for your health care. The bigger risk you represent, Continue reading this entry »

Ready For The California Health Insurance July 1 Deadline?

admin — Sun, 22 May 2011 14:50:13 +0000

That’s when the delayed rate increases are scheduled to go into effect. Three major California health insurance companies capitulated by scaling back rate hikes this year thanks to the state's insurance commissioner. That gave thousands of Californians more time to shop for alternative coverage before they had to pay the higher rate. Did you know you can compare what you’re paying to what other California health insurance plans cost online? With the power of the Internet, you can skip Continue reading this entry »

More To California Health Insurance Than Meets The Eye

admin — Wed, 18 May 2011 13:49:06 +0000

Did you know there are hundreds of choices when it comes to health insurance plans in California? You can get different categories of coverage ranging from co-pay plans to catastrophic plans, as well as different forms of provider networks. All of this affects what you end up paying for your California health insurance monthly premiums. Even though there are more than 300 plan options, it’s not too hard to dig down to discover which are the least expensive types of coverage. Generally, Continue reading this entry »

Fool Your California Health Insurance High-deductible Plan

admin — Sat, 14 May 2011 12:48:05 +0000

While it’s great to keep your premiums low with a California health insurance plan that has a high deductible, you may be able to do even better. Here are a couple of ways you can avoid meeting that deductible and still get health care. If you still have a pre-health care reform policy, see what premiums are like for new California health insurance plans in the same deductible range. I recommend that because the new plans pay for regular preventive care before you meet the deductible. In Continue reading this entry »

Get More Complete Health Insurance For California

admin — Tue, 10 May 2011 11:47:38 +0000

Many California health insurance plans come with co-insurance or co-pays that eat into your budget and some have deductibles you have to meet before your claims are paid. To fill in some of these gaps, you can use special discounted health care services. When you’re paying out-of-pocket until the deductible has been met, you have a choice of options that can help you spend less for health care. For example, medical bill negotiation services actually bargain with health care providers to Continue reading this entry »

Can’t Find California Health Insurance?

admin — Fri, 06 May 2011 19:46:27 +0000

Maybe you’re having trouble finding coverage that works for you because you’re not getting comprehensive assistance. Not all California health insurance agents are thoroughly informed about what different kinds of coverage are available. Health insurance is complicated, so agents who just offer a few California health insurance plans rarely take the time to keep up with new plans coming to market. Health insurance for California also comes in a few different “flavors.” You can get Continue reading this entry »

Will California Health Insurance Rates See Regulation?

admin — Mon, 02 May 2011 17:19:04 +0000

California legislators are again introducing a bill to give them the power to halt unjustifiable premiums increases on California health insurance plans. Insurance regulators in 35 states have already have that authority, but similar legislation has been repeatedly defeated in California. Even though state regulators cannot yet reject premium increases on California health insurance, they are gaining compromises from the biggest insurers. Blue Cross of California and Blue Shield of California Continue reading this entry »

Save Money On California Health Insurance

admin — Wed, 27 Apr 2011 22:16:58 +0000

Are you in a tight budget situation right now and would love to save on health insurance for California? There are several ways to land an affordable health insurance plan for California without compromising your coverage. In general, to lower your California health insurance premiums, you can try increasing your deductible. A “deductible” is a specific dollar amount that your health insurance company may require that you pay each year before your health insurance plan begins to cover claims. Continue reading this entry »

Save On California Health Insurance

admin — Fri, 22 Apr 2011 22:16:26 +0000

All insurance companies have underwriting policies. If you have an existing medical condition, it would be wise to research the underwriting practices of different insurers and find those that insure people with similar health problems. With our years of experience, we are familiar with how certain insurers respond to pre-existing conditions. Some California health insurance companies have less strict standards than others. Regardless of which company you select, you'll want to investigate Continue reading this entry »

Get More From California Health Insurance With Help To Manage Underwriting

admin — Thu, 14 Apr 2011 08:20:13 +0000

When applying for California health insurance, insurance companies really look into your medical history. Insurance companies may deny your application if you have pre-existing medical conditions. If your application is approved, you may have to pay higher premiums than someone in better health or you may see an exclusion has been applied to your policy so certain health care will not be covered for a specified amount of time. Underwriting is the process wherein a California health insurance Continue reading this entry »

California Health Insurance That Won’t Bust Your Budget

admin — Sat, 09 Apr 2011 13:12:13 +0000

Nowadays the cost of health insurance just keeps going up not only in California, but all across the country. This is a big problem because it threatens to deprive many people of the health care they need and deserve. Most people outside of the health insurance industry know very little about how policies are written and where the best savings can be found, but there are several ways to find the lowest prices on health insurance for California. You can take higher deductibles. A deductible is Continue reading this entry »

HMO California Health Insurance Plans Have Pros And Cons

admin — Tue, 05 Apr 2011 09:08:49 +0000

Most people have heard of HMO California health insurance plans. HMO or Health Maintenance Organization plans offer low monthly premiums by restricting their policyholders to a specific network of health care providers. Before signing up for an HMO plan, check the provider list because you will be required to select a primary care physician. On the plus side, with an HMO plan, you don’t have to worry about filling out claim forms or waiting for a long time to be reimbursed. HMO plans have Continue reading this entry »

What California Health Insurance Offers Parents To Cover Their Children

admin — Fri, 01 Apr 2011 15:06:07 +0000

Most young adults nowadays feel that they are invincible and that they won’t get a broken bone or other injury when they try a daredevil stunt. Almost 30 percent of young adults in the state do not have California health insurance to help if they do get hurt, though. To address this, our new health care reform law (The Patient Protection and Affordable Care Act) has a provision that allows parents to keep their children on their California health insurance plans until the children turn 26. Continue reading this entry »

Get California Health Insurance Before This Year Ends

admin — Mon, 28 Mar 2011 22:00:54 +0000

Last October, some of the major California insurance companies proposed and filed for health insurance premium rate hikes. According to these California health insurance companies, the price increase was due to the fact that the cost of medical care and services are also on the rise. For individuals and families who are still planning to get their health insurance in California, now may be a good time. Blue Shield of California announced that they are postponing their proposed increase until Continue reading this entry »

New Help With Health Insurance In California

admin — Mon, 21 Mar 2011 09:15:16 +0000

If you need California health insurance, the Department of Health and Human Services has new interactive help to get you connected with the state Consumer Assistance Program. At www.HealthCare.gov, you can learn what the Affordable Care Act offers. The director of the California Department of Managed Health also plans to monitor California insurance plans for rate increases. That doesn’t mean you won’t see rate increases, though. When you do, don’t “take it lying down.” There are Continue reading this entry »