Healthcare reforms will be bringing a lot of changes in the health status of the state; however, there is still time for the total implementation of those reforms.
Individual health insurance plans are one of the most important products in the health insurance industry around the world,
and California is not an exception to this. For individuals in California, availing a group health insurance policy from the employer would be the ideal option; however, not all individuals are employed. They need to know how to buy individual health insurance independently from private insurers.
However, is it easy to buy a suitable individual health insurance plan when all the research is to be done by the individual? No, it is not simple. However, it is not impossible either. If done carefully, the shopping process for individual health insurance could become easy. The mantra lies in choosing the right coverage level within an affordable budget. How to achieve to this?
The best way to achieve this objective is to shop around and ask as many question as possible. Talking to experts, meeting people, and searching online on websites are all very good methods to achieve this target.
In California, Aetna, Anthem Blue Cross, Assurant, Blue Shield, Celtic, Cigna, Healthnet, IAC, Kaiser Permanente, PacifiCare, and Solera Dental are some of the companies offering individual health insurance plans to the consumers.
Tips to choose an individual health insurance in California
Below are some tips helpful for a consumer to buy suitable cheap individual health insurance plans:
• Before making the final decision, it is important to consider the medical care needed for the individuals as well as for the dependents also. Level of coverage and budget vary accordingly.
• Consumers with a pre-existing condition need to make sure that they are getting the required healthcare coverage.
• Consumers having a preferred physician should ask the insurers whether they allow it or require referrals, etc. If not, HMO would not be the ideal choice.
• Consumers should also think about amount of deductible that they can assign within the budget. Deductibles are instrumental in bringing down the premiums.
• A good insurer allows the claim reimbursement process to be easily executed. Consumers should make sure that they are not going into hassles for this; otherwise, they should avoid buying such a policy.
