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Understanding California’s Managed Risk Medical Insurance Board (MRMIB)

Private insurance carriers in California are free to deny health insurance coverage to the residents on pre-existing health conditions.

Established by the state in California, Managed Risk Medical Insurance Board (MRMIB) offers MRMIP, which comes to the aid of such people. MRMIB offers affordable health insurance policies in California. It is rather very easy to apply for a policy under this program. California residents looking forward to getting information or assistance in fulfilling the procedures for getting MRMIP can. 
Most people residing in California are automatically covered by the health insurance policy offered by the employers. Those that are self-employed and those who do not enjoy access to a health insurance plan sponsored by the employer in California can go for a private health insurance policy since MRMIP is a guaranteed health insurance coverage program. Managed Risk Medical Insurance Board (MRMIB) comprises of volunteers selected and appointed by the Governor and Legislator. More information on MRMIP can be got  . Since there is a shortage, MRMIB has made up a waiting list to offer MRMIP policies.

There are certain eligibility conditions to get MRMIP health insurance coverage in California. The subscribers must be the residents of California and should be able to produce a valid residence proof. They should not have lost earlier health insurance coverage in California due to fraud or failure to pay premiums from time to time. They also need to submit proof of an instance of denial of health insurance coverage for health insurance policies with premiums higher than that of MRMIP. Those residents of California who are eligible to get health insurance coverage under COBRA, Cal-COBRA or the other kinds of State sponsored health insurance plans cannot purchase a coverage under MRMIP. However, there is an exception in this case for patients reported with advanced level renal diseases though they might have been covered by Medicare. In addition, eligibility to MRMIP requires that the subscribers do not qualify for both Part A and Part B Medicare. Those enrolled in MRMIP cannot once again apply for Pre-Existing Condition Insurance Plan (PCIP).

MRMIP health insurance coverage in California lasts over a 36 months period. The plan offers a wide range of medical services offered by other HMOs and PPOs. The plan has a three month exclusion period for all types of pre-existing conditions. The upper annual limit allowed by MRMIP is $75,000, while the life-time limit is $750,000. The deductibles per year is $500. After the expiry of health insurance coverage after 36 months, the subscribers can automatically qualify for a guaranteed private health insurance coverage plan. The typical cost of a MRMIP health insurance coverage ranges between $258.41 and $2,214.00, while the rates of pre3miums are decided by the age of the subscribers and the region where they live in California.  The documents required to be submitted towards purchasing a MRMIP health insurance policy in California are a check or money order towards the cost of the first month's coverageComputer Technology Articles, a proof towards the end that individual private health insurance plan will cost more and the proof of an
earlier coverage by a private health insurance plan. 

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Author is expert on writing about health insurance his articles on  Health Insurance California. His articles on Low income  Health Insurance California are read with delight by the readers.

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