Regulations that California consumers will want to consider when searching for health insurance, include the following:
- Although guaranteed renewability is in effect, access to individual health insurance can be denied due to health status.
- Waiting periods for pre-existing conditions can extend up to twelve months if consumers are uninsured for more than sixty-three days.
Limited-income families will find health insurance opportunities through the Public Health Department. MediCal (Medicaid) offers coverage to those living under the poverty limit. Healthy Families, the state's S-CHIP offering, provides children whose families live under the poverty limit with comprehensive care. Parents must, however, bear some of the cost for their children's medical care. Other governmentally funded programs for the uninsured include The Children's Health Initiative, AIM (for pregnant women), the County Medical Services Program, CaliforniaKids Healthcare Foundation, and California Children's Services.
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For those whose income puts them out of reach of state aid, there are still many health insurance options, including the following:
- Managed Risk Medical Insurance (MRMI): This program is for California residents who cannot secure health insurance due to health status. There is a yearly benefit amount of $200,000.
- Association plans: For those who have an affiliation with a particular leisure or educational organization, including a teacher's union, acting troupe or astronomy club, group health insurance is often offered at an affordable rate to members.
- Kaiser Cares: This insurance offering from Kaiser Permanente insurance can provide free or reduced medical treatment for children whose parents make too much to qualify them for other Medicaid/S-CHIP programs. Parents will pay a small monthly fee to enroll their children in the program.
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Affordable-Health-Insurance.com is an informational resource only and not an insurer or broker. The information on this site is provided for research purposes only, and is not necessarily affiliated with any specific carrier. We are not necessarily associated with any provider profiled on our site, and make no guarantees about the carrier affiliation of any broker that contacts you. Coverage options and policies may not be available in every state, and no guarantees of the same are made herein.
