California Medical Insurance Plans
BestHealthcareRates.com provides free California health insurance quotes, information and resources to help consumers find the best California medical insurance plans to meet their specific needs. The process of buying individual California medical insurance plans, California family medical insurance plans or California group health insurance plans can be confusing, and without a basic knowledge of the insurance regulations in California you could select the wrong insurance plan to meet your needs.
Here we have assembled some important information and resources that can help you make the best decision when completing your California health insurance quotes. Please feel free to contact us at 877-812-5111 if we can be of any help to you in selecting the right California medical insurance plan, we do not charge consumers any fees.
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California Individual Medical Insurance Regulations
California insurance state regulation prohibits medical insurance companies from including policy exclusions for specific pre-existing medical conditions. Insurers must "accept or reject" an application for a California individual medical insurance plan or California family medical insurance plan. Because California is an "accept or reject" state, the medical underwriting standards tend to be more stringent than in other states where a health insurance application can be approved with an exclusion on a pre-existing condition. If you are concerned about been declined, we would highly recommend that you contact us and let one of our licensed health insurance experts help you select a California medical insurance plan that will have a greater probability of approval.
Rates for California medical insurance plans are determined by your age and by the zip code in which you live. If you are a couple (California does not require that you be married) applying for coverage or a couple plus children, very often making the younger person the primary insured on the application will result in a lower monthly premium.
For more information, see California individual medical insurance , California family medical insurance.
Have You Been Declined California Medical Insurance Coverage?
If you have already applied for health insurance in California and have been declined coverage by the insurance company, contact us at 877-812-5111. We represent hundreds of California medical insurance plans, which all have different underwriting standards. Please call us, one of our licensed health insurance experts will quickly help you identify the right medical insurance plan for your needs, and remember we never charge you a fee.
California Small Group Health Insurance Regulations
In California a "Small Group" is defined as any organization with between 2 and 50 employees. People who are employed by a business with a qualified small group operating within California are guaranteed approval and enrollment into the small group plan. Upon receipt of a California small group medical insurance application, the insurance company cannot adjust the premium rates by more than 10% due to medical underwriting. California Group Medical insurance rates are calculated on age, zip code of the employee’s home and the number of dependents and their ages. Qualified groups renewing an existing California group medical insurance plan follow the same criteria and rating guidelines. Qualifying as a small group, requires a company to have at least 2 employees that work at least 6 months of the year for a minimum of 20 hours per week. The owner of the business counts as an employee if he or she is on payroll and draws a salary from the business.
California Department of Insurance regulates the insurance industry in California and provides resources for consumers shopping for Affordable California Medical Insurance plans.