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Effective Date: June, 2008

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 health insurance. 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.

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Things I need to know about Health Insurance

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 health insurance. 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.