subject: Tips for Choosing California Health Insurance Plans [print this page] It's easily to get lost in the maze of California health insurance if you don't have a guide. But it's also one of the most important consumer decisions you'll ever make. Your very health is at stake. If you get sick, you'll need to rely on your California health insurance plan. As insurance plans aren't required to cover pre-existing conditions until 2016, you're pretty much stuck with what you've got when the bills start coming. Wrangling with numbers, complex policies, and a wide range of California health insurance plans takes an expert.
Priority Number One
Your first priority when choosing California health insurance is to decide what's important to you. How much do you like your current doctor? It's not uncommon for California health insurance plans to limit the doctors you can see. Make a list of your top 5 priorities for health insurance, whether it be a choice of doctors, low co pays or premiums, and decide what you can't life without. Start by lowering things down by deciding which needs are most important to you.
Professional Help
Just as you'd seek medical advice from doctor, ask an employee benefits consultant for insurance advice. Insurance benefits can be a complicated market that takes an expert. He can help establish the best rates and explain the details of the plan. Be sure he works out of a large "book," which is the term in the industry for the network of California health insurance providers he works with.
The Free Look
You'd assume your gym offers a free trial membership, but did you know your insurance company might have one too? In order to entice new customers, some insurance companies will offer a "free look" on their California health insurance plans. Basically, you get your money back if you're not completely satisfied by your California health insurance plan within an established amount of time. Pay attention to the guidelines, as these can vary depending on the California health insurance company. Some give you 2 to 6 weeks to ask for a refund, but it's something you should probably establish in writing before signing the policy.
Negotiate
You wouldn't take their word for it on the price of a used car, so why take their California health insurance plan at face value? Everything is up for negotiation, especially California health insurance. You might not get all you ask for, but you'll likely get more than if you never asked in the first place. If you want a bargain, you need to be willing to bargain.
Tips for Choosing California Health Insurance Plans
By: Nicholas Calegari
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