| Dental Plans Applications |
| Anthem Blue Cross of California |
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| Blue Shield |
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| Delta Dental MorganWhite |
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| Golden West |
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| Kaiser Permanente |
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| Standard Life MorganWhite |
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Home Health Insurance Kaiser
HEALTH INSURANCE KAISER |
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Disability Income Policies
Replace all parts of your wages lost since you don't have the capability
of working for the reason that of a disabling sickness or injury. Income
replacement policies pay weekly or monthly amount when you are unable
to perform the duties of your job. The contract also defines how much
you will be paid and how soon after you are disabled payments begun
and when they will be ceased. There are many kinds of contracts in a
diverse manner. So always shop carefully through a licensed health insurance agent who has thorough knowledge about this type of coverage.
Supplemental Insurance Policies
Are intended to pay to your regular medical expenses or income replacement
policies additionally and should not be used as a substitute for more
than comprehensive coverage. If you are hospitalized incurred to treat
a specified "dread disease" such as cancer or a stroke they pay only
limited benefits such as a daily dollar amount and this coverage may
also get duplicated some of what you are paying for in your comprehensive
medical expense plan. Make sure you identify with the limitations as
well as exclusions before getting it.
Cancer, hospital indemnity, accident, and medigap contracts are just
some examples of supplemental insurance policies.
Pre-Paid Contracts
(Department of Managed Health Care Jurisdiction)
Health Maintenance Organizations (HMO)
Plans were formed with the idea of controlling cost and providing preventative
health care before members get sick. HMO's are comprised of hospitals,
doctors and other medical personnel who have joined to provide health
care to members in return for a pre-paid monthly charge. You can go
to the provider as often a as you need for the same monthly cost and
an additional small fee per office visit or prescription. Most other
medical services are fully covered. You do not have the option of going
to a medical provider who is NOT part of the HMO. Enrollment is usually
limited to employer groups, but a few HMO's will take individual members.
Self-Insured Single Employer Plans
(Department of Labor Jurisdiction)
Some large employers and lot of labor unions provide
group health coverage for their employees or members without buying
an insurance policy or HMO plan. You are always self-insured under the
Employment Retirement Income Security Act (ERISA) or if it is "insured
by" an insurance company. You may have little remedy as these plans
are not been regulated by the State if the plan is self-insured and
the employer or the union does not pay a claim as well. Federal labor
law governs these plans, but the federal government does not handle
claim complaints.
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| Standard Health Plans Applications |
| Aetna |
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| Anthem BC Life and Health Insurance Company Tonik |
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| Anthem Blue Cross of California |
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| Blue Shield of California |
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| Health Net of California |
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| Health Net of California Farm Bureau |
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| Kaiser Permanente |
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| Temporary Health Plans Applications |
| Anthem BC Life and Health Insurance Company |
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| Assurant |
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| Health Net of California |
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| Health Plans |
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