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California Individual
Health Insurance
The California Department of Insurance (CDI) is responsible
for enforcing many of the insurance-related laws of the state who are
foremost a consumer protection agency.
Our number one priority is to protect insurance consumers
by regulating the industry's practices and encouraging a healthy marketplace,
which is one of the largest in the world. Health insurance coverage
is marketed to consumers through individual policies or group policies.
Individual health insurance coverage should be accomplished when your
employer does not avail health insurance as a benefit of employment,
or when you are not a member of a professional or trade association
that offers group coverage. Individual coverage can be obtained by contacting
a licensed health insurance agent or broker.
All you have to do is to complete an application that
includes your medical history, which will be analyzed by our medical
underwriter at the health insurance Company. The company may not cover
preexisting conditions up to one year after the effective date of the
policy. However, if you have been previously insured under an individual
or group policy without a break in coverage of more than 62 days, your
new insurance company must apply the prior creditable coverage (refer
to the "Health Insurance Terms" on page 15) towards the waiting
period for preexisting conditions. Individual health insurance companies
may reject your application based on your medical history.
Many consumers are self-employed, contract employees, or work for small
employers and do not have access to a group policy secured by Group
health insurance. It offers certain advantages over individual health
insurance policies. The waiting period for preexisting conditions is
six months and not one year as with individual policies. Large employer
group health insurance (more than 50 employees) and association group
health insurance, like individual health insurance, is subjected to
medical underwriting.
All Medical-underwriting rules for small group health
insurance (2-50 employees) differ from large group and individual health
insurance policies. Regardless of any preexisting condition, you must
be offered coverage under a small group policy on a guaranteed issue
basis. Also, if you have been previously insured under a group policy
without a break in coverage of more than 180 days, your new insurance
company must apply the prior creditable coverage toward the six-month
waiting period for preexisting conditions You can be denied coverage
based on your medical history.
Blue cross individual health insurance- Blue Cross Blue Shield is the
most recognized and respected group of health insurance providers in
the world. It is a trade association for the independent locally operated
Blue Cross-and Blue Shield Plans. Having provided millions of families
with the highest quality health insurance for over 70 years, Blue Cross
Blue Shield has become a leader in consumer health advocacy. The Blue
Cross and Blue Shield Plans are precisely a kind of health coverage
for individuals, families, and businesses.
When you are a Blue Cross and Blue Shield Plan member, you take your
health care benefits with you - across the country and around the world.
Blue Cross and Blue Shield Plans give you access to doctors and hospitals
almost everywhere, giving you peace of mind that you'll always find
the care you need.
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