California Health Insurance Medical Plans

It can be very difficult to search for some decent California health insurance nowadays. In fact, the sheer number of uninsured Californians at present has become quite huge (over six million people, in fact), and it's continuously increasing because of 2008's financial meltdown. Quite a lot of corporations have been downsizing their staff, and many ex-employees have thusly lost their health insurance coverage as a consequence. Additionally, a multitude of employers have eliminated or scaled back certain health insurance benefits for the sake of saving more capital.

California Medical Plans for Individuals

Some terminated employees have the option to avail of COBRA extensions; however, not all of these hapless individuals can qualify, and many of those who meet the criteria couldn't afford the premiums set by this particular policy anyway. At any rate, it's best for people to remember that COBRA isn't a health insurance company, but is instead a federal law institution that compels several businesses to provide group benefits to former workers for a couple of months or longer. COBRA coverage isn't free; it's not exactly affordable, either.

To be sure, many compensated ex-employees tend to balk at the bill provided by this federally backed edict of sorts. Even though the majority of Californian companies shoulder a large amount of the premium, there are times when the recently laid off worker is forced to pay the entire amount. Obviously, acquiring another bill to pay just to stay insured after being laid off can serve as a crippling load for those who've just recently become unemployed. All the same, the following items below can serve as their value-addled options for California health insurance in the meantime:

• Private Insurance Companies: California has a humongous and active private major medical market wherein insurance applicants could purchase either a family or individual policy. Then again, Californian companies are permitted to underwrite every individual applicant if they choose to do so, which means that people can be rated up or declined at a corporation's behest.

There are also cases wherein an insurer may extend coverage in exchange for the right to exclude any preexisting conditions for a number of months. By law, prior coverage can be used to mitigate this particular rule. In any case, about eight percent of Californians own their own insurance; private health insurance is actually quite commonplace in the state. For an affordable family health insurance plan, a private plan may be the best and most cost-effective choice.

• Medical and Health Families: Low income people and families within California may choose to get some public health insurance options. However, it's only fair to warn would-be applicants that the income limits of such a policy for adults are quite strict and severe. In contrast, the California children's health insurance program (which also covers pregnant women) has higher income limits, which is perfect for lower to middle class family units. A number of private insurers decline coverage for pregnant women, so this is the perfect type of coverage for expecting mothers.

• California High Risk Health Pool: Every last state within the United States has some sort of program for uninsurables—California included. While there are states that would rather implement guaranteed acceptance plans, California would rather mandate a risk pool. State rules for the Californian risk pool is quite stringent and austere, but premiums are required to be no more than one hundred twenty-five percent of standard rates.

California Health Insurance

California Health Insurance Quote

Health Insurance California

Health Insurance California quotes

HIPPA health insurance California

California Health Insurance

Truth be told, traditional shopping for California health insurance is more often than not a protracted and dreadful proposition involving countless of wasted hours browsing through volumes upon volumes of information and making a myriad of phone calls for the sake of getting the best California health insurance quotes. Then again, it can also be a relative walk in the park wherein you can effortlessly compare premiere Californian health insurance corporations across the world at the comfort of your own home or office.

At any rate, the difference between surfing the web to shop for California health insurance and using age-old methods such as the yellow pages or some other local directory to find what you're looking for is like night and day. The Internet is a brave new digital frontier that has made life a lot easier for many people across the world, even when it comes to something as specific as finding California health insurance.

The HealthRatesUS.com Advantage

With that said, all you really need to do is enter your information at our website, HealthRatesUS.com, in order to access all the top California medical insurance policies offered by the state's premiere health insurance providers for trouble-free and straightforward side-by-side comparison. Great Benefits Insurance and HealthRatesUS.com work hand-in-hand in order to provide both business entities and individuals all sorts of excellent and affordable health insurance plans that would best suit any particular need or financial circumstance.

Even though the advantages of online insurance shopping are innumerable, convenience is widely believed to be its foremost benefit. In just a matter of seconds, you'll be able to view the latest and best California health quotes from a multitude of companies with unbeatable price transparency that only websites like the HealthRatesUS.com could offer. Instead of calling different Californian insurance companies one-by-one in order to get their respective price quotes, why not just consult the extensive databases and accurate information contained within HealthRatesUS.com?

The Importance of a Comprehensive California Health Insurance Plan

You can always depend on Great Benefits Insurance to find you the lowest cost and best possible health plans provided by the most trusted names in the insurance industry. Just take a few minutes to key in your data just once and let the advancements of modern technology handle the rest of the work for you! Besides which, as many a Californian should know, health insurance is always a necessity because no one really wants to pay for the cost of his medical bills straight out of his pocket.

You can easily avoid budgetary strains from unexpected emergencies by simply availing of a California health insurance plan that's right for you and your economic situation. There is such a wide variety of insurance plans available that you'll be hard-pressed to not find anything that's best suited for you. Besides which, families living in California should buy enough health insurance coverage to smoothly and uncomplicatedly handle those inevitable events of injury or sickness.


California Health Insurance

Health insurance California

Census Bureau Says Uninsured Numbers Are Growing

Census Bureau Says Uninsured Numbers Are Growing
More Americans are reporting that they are living without health insurance.

Sept. 10, 2009 – According to the United States Census Bureau, the number of Americans that are living without medical insurance coverage increased in 2008, bringing the number of people living in the United States without healthcare coverage to 46.3 million. The numbers that will be released next year by the Census Bureau, tallying the uninsured in 2009, are expected to be even greater, according to leading experts.
While every American is holding his or her breath and waiting for a quality affordable healthcare system overhaul from the United States government, many people are taking a great risk by living their lives without medical insurance coverage. What many of these people fail to recognize, however, is that there is still hope as there are an array of low cost health insurance plans that are available on the market today. Now more than ever, insurance companies are offering flexible health plan quotes for individual insurance policies, group healthcare insurance policies, and even business health insurance plans.
The professionals at Great Benefits Insurance, for example, a California web-based business-to-consumer insurance agency that offers an array of comparative California health insurance plans to those who visit them at www.healthratesus.com, say that now is a perfect time for the uninsured to take advantage of the great health plan rates being offered by some of the top California health insurance providers.
The ability to obtain cheap health coverage is not impossible and with Great Benefits Insurance the best possible California health insurance quotes are right there at your fingertips.

For free California Health Insurance Quotes visit www.HealthRatesUs.com

Report Finds Health Insurance Disparity Among California Residents

In Lake and Mendocino Counties 20 percent of residents are uninsured, while Sonoma County boasts levels well below the state and national average.

September 24, 2009 – According to a recent United States Census Bureau report, 63,000 Sonoma County, California residents were living without health insurance in 2008, representing 13.6 percent of the county’s population. This percentage is lower than both the state average of uninsured residents and lower than the United States average of people living without health coverage.

However, the report also states that California’s Mendocino and Lake Counties reported that nearly 20 percent of its population is living without healthcare coverage and experts say that the numbers are likely linked to the socioeconomic differences between these various California counties.

Many leading California health experts say that the staggeringly low numbers reported in both Mendocino and Lake Counties are unacceptable, to say the least. In fact, many of those experts say that the report shows that there is a California healthcare crisis and fear that the numbers of uninsured will likely increase in 2009. It is a crisis, they say, because uninsured individuals are likely to put off treatment for illnesses, get sicker, and even die, simply because they could not afford health insurance.

However, all hope is not lost, say those experts, because they also believe that there are plenty of affordable health care insurance options available to California’s uninsured.

The professional staff at Great Benefits Insurance (www.healthratesus.com), a California web-based insurance company that connects consumers with affordable insurance options, says that many major insurance companies recognize that there are still so many people in the United States living without health insurance. In today’s competitive market, these companies are offering an array of various health plans to meet the needs of individuals, regardless of their current financial situation.

At www.HealthRatesUs.com, consumers can compare health insurance quotes from various California health plan providers, side by side, to help find the plan that is right for them.

For free California Health Insurance Quotes visit www.HealthRatesus.com

Experts Say Consumers Find Better Health Insurance Rates Online

More Americans are shopping for health plan quotes via the Internet and finding more savings.
Sept. 28, 2009 – A panel of experts now say that more and more Americans are turning to the Internet to find and purchase low cost health insurance because they find that some websites offer health plans that are less expensive than plans found elsewhere and that such websites offer information and services that are easy to navigate and understand.
Consumers turn to third party websites, according to recent reports, to more easily find California health insurance providers in their area that will offer low cost benefits that will suit their individual insurance needs. Because many people don’t know the insurance industry well enough to design and make their own decisions regarding their own health plans, they turn to companies like Great Benefits Insurance (www.healthratesus.com) that offer users the ability to compare California insurance quotes and California health package details, from various well-known insurance providers, side by side.
People now use the Internet, reports say, the same way they once uses a phone book, searching for affordable health plans and comparing the results of their search. At websites like www.HealthRatesUS.com, the comparisons are being made for them.
The ability to easily access information about numerous health plans from various companies, with side-by-side comparisons, is allowing consumers to determine what plans and features are best for them. Such sites are allowing consumers to make their own decisions about California health insurance.
Healthy competition among insurance providers helps lower health care costs and can also help improve access to health care services to the uninsured. Currently one out of every six Americans is uninsured. However, it has never been easier to shop for California affordable health insurance plans than the present using websites like www.HealthRatesUS.com which offer several plans from different companies and compares them side by side. This allows consumers to easily make decisions about their own healthcare.

For free California Health Insurance quotes visit www.HealthRatesUs.com