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The federal government of California has several well-conceived laws to protect the health and well-being of its citizens and makes available a variety of California health insurance coverage. The Affordable Care Act - This health reform legislation was enacted in March 2010 to bring significant changes to the U.S. healthcare system leading to easy availability of affordable health insurance. COBRA - Provides some former employees, retirees, spouses, and dependents the right to buy temporary continuation of group health plan coverage at group rates. COBRA can also be an option for health insurance if you have been laid off. HIPAA – Aims at protecting you and your family members when you need to buy/change/ continue your health insurance. You get relief on the use of pre-existing condition and also guarantee that you can renew your coverage regardless of the health conditions of your family members. In the event you have complaints about the way your employer applies your job-based health coverage, you can contact the regional office of the U.S. Department of Labor (DOL) Employee Benefits Security Administration for redress. The federal government also allocates funds and frames guidelines for Medicare, Medicaid, Veterans Health Benefits and health coverage for many federal employees as well as members of the Armed Forces. Please know that several state agencies regulate health insurance in California. They are California Department of Health Care Services, California Managed Risk Medical Insurance Board, Department of Managed Health Care and California Department of Insurance. The Pre-Existing Condition Insurance Plan (PCIP), which is administered by either by the state California or the U.S. Department of Health and Human Services may offer health coverage for you. - If you have been uninsured for a period of minimum six months
- If you have a pre-existing condition
- If you have been denied health coverage because of your health condition
- If you are a U.S. citizen or are residing here legally
- In California, the PCIP is run by the state agency that manages California’s high-risk pool.
Please understand that the state of California has many health care programs designed to meet the healthcare needs of different groups of people. Each of the programs has its own eligibility criteria and these programs include: - Medi-Cal -California’s traditional public health insurance program called Medicaid offers health care services for low-income individuals and families, senior citizens, persons with disabilities, children under foster care, pregnant women, and low income people suffering from diseases like tuberculosis, breast cancer or HIV/AIDS. A unique program managed by Medi-Cal is the Breast and Cervical Cancer Treatment Program,
- Healthy Families - Healthy Families is another affordable insurance plan for children and teenagers. This plan provides general health, dental and vision care to children who do not have insurance and do not qualify for Medi-Cal.
- AIM The AIM health care program offers affordable health care coverage for pregnant women. AIM is for middle-income families who do not have health insurance and whose income is high for Medi-Cal.
- CHDP - CHDP is in the nature of a prevention program that offers periodic health assessments and services to children and youth in California belonging to low income groups. CHDP helps families with medical appointment scheduling, transportation, and access to diagnostic and medical treatment.
Besides, you can obtain the insurance plan that works for you from any of the top rated healthcare companies including, Blue Cross, Blue, Shield, Kaiser and others. California Insurance Agent providing fast and easy quotes. California Auto Insurance is an imperative insurance to financially cover all the expenses you are bound to face at the aftermath of an auto accident. For more information visit,
www.einsurancecalifornia.com
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