Health Insurance California: Challenges & Solutions

The order of the day is that people need to spend a sizeable amount from their earnings towards buying health insurance policies. Therefore, it requires people to take a tough decision to buy Insurance policies in California. Finally when they settle down to buy a health insurance policy, there are other challenges too. Insurance companies might deny a policy to people on grounds of pre-existing health conditions. Statistics show that in California, one out of every four to five applications (approximately) is denied a policy on account of medical conditions. This becomes a matter of serious concern. While people with medical conditions are the ones who will require health insurance policies more than others, it is ironical that their access to health coverage is rather at stake or limited or very expensive. This article explores this issue further and suggests some alternative sources for people with pre-existing conditions to buy health insurance policies.
People denied of health insurance policies need to understand this. Insurance companies are after all doing business and they are not running charities. By all means they would like to see profits and in this regard, it is natural that they consider the risk of offering coverage to people with medical conditions and consequently deny them coverage. If you however you force the insurance carrier to give you a policy, then the premiums will be very high unaffordable to you any more than the health care costs you might face. Therefore, you need to exercise extra care to buy a suitable health insurance policy through other channels available. 
There are some points that people with pre-existing health conditions must bear in their minds while applying for a health insurance plan in California. Always confess the truth in the application. Health insurance is a form of security arrangement to guarantee you medical coverage during medical situations. When you get sick, the insurance company can and might refuse to pay you if they discover that you had not disclosed the health conditions earlier. After all, your medical history is going to reveal the truth far from hiding. Therefore, you need to tell the truth and must not violate the law while applying for a health insurance plan for your own good. 
You may as well apply for a temporary health insurance policy as there are fewer questions asked in this regard. It is easier to qualify for a temporary health insurance plan. At the same time, you must also bear in mind that temporary policy could cause you lose your eligibility to qualify for HIPPA guarantee issue. Therefore, it is advisable to choose a temporary health insurance policy only if you are not eligible for COBRA or HIPAA. Since a person is allowed to keep Blue Shield of California's Option 12 temporary insurance for up to 12 months, this option can be considered. Every insurance company will ask you whether you have been denied of health insurance coverage by some carrier earlier. Therefore, apply for health insurance policy simultaneously to several carriers so that you can settle with the one who gives you the policy. The truth is while one company can reject your application, another might actually choose to give you since each of them go by different policies. If all these efforts fail, the last option for you could be the State of California's Major Risk Medical Insurance Program that is operated by the government in association with some insurance carriers.