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Are individual and family health insurance plans available in California?
If you are a single, couple or family you may be able to purchase a plan. There is health underwriting with these plans which means how you answer the health questions and your medical records/history are considered towards your eligibility. If you are not eligible we can refer you to the Major Risk Medical Insurance Program (MRMIP) or you may be eligible for small group health insurance. Both do not have health underwriting.
What type plans are available in California and which carriers sell these plans?
Blue Cross, Blue Shield, Kaiser, Aetna, HealthNet and PacifiCare are the leading carriers in California. Most offer both HMO and PPO choices. Also, if you are between jobs you may want to consider short-term
. These "bridge" plans can last for up to six months and are less expensive and have more lenient underwriting guidelines.
What should I know when purchasing a plan?
Plans are month to month and you may be able to change plans depending on your health status. There are also non-maternity plans, HSA plans, Generic Rx only plans, basic & catastrophic and plans that offer a few doctor visits per year. This allows the consumer the flexibility and choice to find a plan that best meets their expectations and budgets.
Do I pay commissions or a fee for your services?
No-we have a wholesale relationship with all the carriers and you do not pay any commissions or fees for purchasing a plan through my agency.
Can the carrier increase my initial price of the plan due to my health history?
Yes, the carrier can instill a Risk Adjustment Factor (RAF) during the underwriting process. Thus, rather than decline an applicant the carriers, at times, increase the price based on risk factors such as smoking, pre-existing health condition or medical records.
Can my policy/premiums be cancelled or increased based on claims?
No-once approved you can never be dropped based on any health claims and your rates will also not be increased based on plan usage/claims.
California Insurance Finder specializes in affordable health care insurance for business groups, families, children, individuals, uninsured residents who are looking for California exchange health care plans and seniors aging into Medicare. Our goal is to educate our clients to make an informed selection of insurance plans with the best combination of benefits and price. Beginning with the selection of the initial policy to filling out forms, making claims, administrative needs as well as simple questions and requests for help, we provide top-notch service and ensure that our clients never need to contact the insurance carrier ever again.
Located in Huntington Beach and serving all of Orange County, CA, our insurance products include life insurance, California health exchange insurance, long-term care insurance, kids insurance, HSA plans, Medigap & Medicare supplement insurance, short-term health insurance, dental insurance, group medical & business insurance, disability, commercial liability insurance and errors & omissions coverage.
California Insurance Finder | Insurance Exchange Quotes, Individual Medical Insurance, Medigap Plans, Long Term Care Health Insurance, Group Health Insurance, Business Health Insurance, Life Insurance, Child Health Insurance, Orange County Health Insurance, California Insurance Exchange, Long Term Insurance, Dental Insurance, HSA Plans, Business Health Plans, Commercial Liability, Worker’s Comp, Health Plans, Insurance for Long Term Care, Health Care Insurance, Health Care Quotes, Long-Term Care, Health Insurance California, Health Insurance Los Angeles, Newport Beach, Laguna Beach, Seal Beach, Anaheim, Long Beach, Costa Mesa, Westminster, Belmont Shores, Naples, Lakewood, South Los Angeles, Orange County CA | Huntington Beach CA 92648 | (714) 960-4700 | CIF Insurance Agency Inc., License Number #0G72978