Welcome to the source for health care insurance coverage. We are California Health Plans, the people who can meet your coverage needs. There are so many variations, it can get confusing. Over the next few pages we will explain them all and assist you with narrowing down the options. Low cost medical insurance is available in this state for less than you may think.
There are some basics that we need to point out from the start. If your previous insurance was group coverage, there may be a slightly higher premium with individual plans. That depends on the benefits offered, deductibles and copays. California medical insurance is regulated by the State of California, and there are some fundamental requirements that each plan must offer. The Department of Insurance also serves as a watchdog for how a California health insurance agent complies with regulations. However, we urge you to make your choices wisely and know exactly what you are signing up for.
We are a California health insurance agent, and you don't pay us any fee for our services, nor do you pay a higher premium for letting California Health Plans assist you. We are licensed by the State to provide you with explanations that are accurate and unbiased. Our organization is committed to presenting health insurance quotes California residents can rely on.
We represent the major insurers in the State who all have stellar reputations for service. They all use medical underwriting to determine rates. This means the cost to you is reflective of how much risk they believe they are taking. There is cheap health insurance in California, but your history is one of the factors they will use to determine price structure.
We represent, among others, Blue Cross medical insurance. They were one of the original health insurers in the country, and are part of a network of franchised companies. But, just sit back, read our articles, and let us do the work for the moment while we explain the difference between a Blue Cross PPO and Blue Shield HMO or any of the others.
