When selecting affordable California health insurance online – or in any state, for that matter – you must be cautious. Other than the information provided on the website database you search, you’re basically taking care of everything yourself. Sure, you can contact, or may be contacted by, a live health insurance agent from the company, but until then your decision-making process may be a blind one unless you enter into it prepared.
Before you begin searching for affordable California health insurance online, find out if you’re eligible for employer-sponsored group health insurance or COBRA. Also check out the following California-based health insurance programs: Access for Infants, CalWorks, Family Medical Leave Act, Healthy Families, and Medi-Cal. You can find information about these state-sponsored health insurance programs when you visit the California Department of Insurance website.
As you’re searching for affordable California health insurance online, make sure you fully understand the difference between a health insurance policy and a health discount plan. Health discount plans, or medical discount plans, provide discounts for health care. The discount plan usually has a network of doctors and other health care professionals from which you can choose. If you see a doctor who doesn’t participate in the discount plan, you’re stuck paying the full price.
Always read the fine print to know what you’re getting into. Before you select affordable health insurance in California, make sure it’s actually insurance and not a medical discount plan.
The California Department of Insurance has a very informative website available to all consumers. The site outlines the different kinds of health insurance available, including those that are state-sponsored, and even provides a health plan comparison tool. Utilize these free resources to help you select affordable California health insurance online.
Remember, you can also use the California Department of Insurance website to file complaints regarding unsettled insurance claims and other such problems with your health insurance company.