subject: California Health Insurance - Options Galore [print this page] California Health Insurance - Options Galore
Looking for a way to avoid your exorbitant medical bills? A low-cost health insurance plan could be your savior. In California, health insurance policies are available in plenty, with varying features and costs. There are a variety of health insurance options in California, for individuals, students and groups. 1. It has often been observed that employee health insurance plans offer the most cost-effective insurance for workers. The self-employed, unemployed and those working in companies that do not offer such benefits can be covered under the individual plans. Although limited in their coverage, they can usually be extended to the family. 2. Students could go to private companies for off-campus facilities. 3. A full time employee can qualify for a group insurance. A variety of plans may be offered and the employer may pay many of your expenses. Moreover, you can enroll regardless of your health history. However, they are less flexible in terms of coverage, so the private option is preferred. The three options for California health insurance coverage include Health Maintenance Organization (HMO), Preferred Provider Organization (PPO) and Point of Service POS. The first manages your treatment based on prepaid fees. The second allows its members to seek the services of out-of-network providers, but at an additional fee. The POS plans attempt to limit out-of-pocket costs and also allow their members to see out-of network providers although this may entail greater expenditure as you have to pay 20% of your care costs in addition to your deductible amount. A large number of companies advertise their policies online. Low-cost quotes can be obtained from them through a fast and convenient procedure. Results shall be tailored to suit your specific requirements. The monthly premium amount shall depend on a number of factors such as your age, gender, health history-present and pre-existing conditions, location and so on. Your budget is an important aspect you need to consider. Compare and analyze the benefits you can derive from the different policies. You should not choose a policy which does not fulfill your requirements even if it is available at a very attractive price. The plan should meet your health and budget requirements without compromising on the quality of customer service.
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