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HomeHealth Plans California Individual Health Insurance
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.

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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.