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One quarter of all Californians don’t have health insurance, and Los Angeles has more residents without health insurance than other city in the United States. If you're among those Californians living dangerously and hoping to stay healthy, you need to start looking now for a cheap California life insurance quote. Check with Your Employer Most Californians who do have health insurance get it through their employers. If your employer offers a health insurance plan, this is likely to be your cheapest option for getting health insurance. Set Your Priorities If you don’t have an employer insurance plan you can join, you'll need to look into a private health insurance plan. Many types of plans are available. You will need to choose the type that best fits your needs and budget: * Comprehensive coverage, which includes such items as doctor visits, preventative care, prescriptions, and even dental and vision. * Major medical coverage, which covers only hospitalization and major medical expenses. You'll also need to choose whether you want a fee-for-service policy that lets you choose any health care provider, or if a PPO (Preferred Provider Organization) or HMO (Health Maintenance Organization) will work for you. PPOs provide comprehensive health services but you'll have to choose a doctor and hospital that is part of the PPO’s network. HMOs offer the cheapest rate for health insurance plans. With an HMO, you also must choose a doctor and hospital within the network. In addition, HMOs may require you to receive approval before visiting a specialist. Choose a Health Insurance Company Once you've decided what your health insurance priorities are, you can start looking for a cheap California health insurance company. Begin your search online by going to an insurance comparison website. On this website you'll complete a simple form with information about yourself and your insurance needs. You'll then get quotes from multiple A-rated health insurance companies. The best websites even let you talk with insurance professionals, online or by phone, so you can ask questions and make sure you choose the best health insurance company for your needs. (See link below.) Visit http://www.LowerRateQuotes.com/health-insurance.html or click on the following link to get California health insurance quotes from top-rated companies and see how much you can save. You can also get more insurance tips there. The authors, Brian Stevens and Stacey Schifferdecker, have spent 30 years in the insurance and finance industries, and have written a number of articles on California health insurance quotes.
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