Health Insurance in California
The California Department of Insurance is the regulatory agency for health insurance in California. Some of the more common California insurance providers include Blue Cross Blue Shield providers and Unitedhealthcare. While looking for health insurance in California, you’ll want to consider the different options from which you’ll need to choose. Whether you’re searching for California family health insurance, individual health insurance, or group insurance, you’ll still need to choose from the many different types of policy that exist.
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California Indemnity Policies
Indemnity policies in California offer you the choice of medical care and the flexibility of any specialist or doctor that you may choose. There are often no geographic restrictions to your California health insurance indemnity policy.
California PPO Plans
Unlike the indemnity policy -- which is also known as the traditional “fee-for-service” plan -- a California PPO plan (PPO stands for Preferred Provider Organization) requires that you select from a list of preferred doctors and clinics. Your California insurance rates will be lower than an indemnity policy. Even though you’ll need to select a primary care physician with a PPO plan, you will often have the option of receiving care from outside your network.
HMOs in California
Health Management Organizations (HMOs) in California are managed by the California Department of Managed Health Care. HMOs are among the most affordable of California health insurance options, but you also have to receive care within the HMO network of physicians and specialists. There are often geographic limitations, as well, on the type of care you receive.
Temporary California Insurance through Cal-COBRA
The California state provisions for Cal-COBRA are similar to the federal guidelines, except Cal-COBRA offers a full 36 months of coverage rather than the COBRA standard of 18 months.
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