Dental Plans Applications
Anthem Blue Cross of California
Dental Blue Application
HMO Application
PPO Application
Senior HMO Application
Senior PPO Application
SmileNet Application
Blue Shield
Application
Delta Dental MorganWhite
Online Application
Application
Golden West
Application
Kaiser Permanente
Application
Standard Life MorganWhite
Application

Home  Individual Health Insurance Common Insurance Polices




Individual health insurance-Common Insurance Policies

Individual health insurance policies:

There are varieties of policies, which our insurance companies offer on an individual basis. Some of the more common types of policies include:

1. Major Medical - offers coverage for doctor visits, surgery and hospitalization or ongoing illnesses.

2. Hospital and Surgery - provides coverage solely related to hospital stays and surgical services, such as room and board, laboratory tests, X-rays, plus doctors' charges.

3. Hospital Confinement Indemnity - a policy designed to pay a set amount (an indemnity) for each day you are an "in-patient" at a hospital.

4. Health Maintenance Organizations (HMOs)
- centralized service provider, usually with a general practitioner (limited selection of participating doctors) coupled with coverage by specialists upon referral. Doctor visits, surgery, hospitalization and often reduced-rate prescription medicine are provided. It may also cover preventive care, often not included in major medical policies.

5. Specified Disease (also called "Dread Disease") - covers costs associated with a single disease, such as cancer, AIDS, heart attack, etc.

6. Short-term medical policy - typically a major medical policy but with coverage lasting only for a specified length of time. Might be purchased to cover the time you are between jobs.

7. Accident policy
- provides coverage for doctor visits, surgery and hospitalization resulting from an accident (no coverage for disease or illness).

8. Dental policy - provides coverage for costs associated with dentists and orthodontists.

9. Vision policy
- provides coverage for sight correction

10. Home-Health Care policy - care provided to enable you to remain in your home while receiving services which could range from assisted living (help around the house) to around-the clock nursing with other health care providers on call.

11. Long -Term Care policy - coverage provided to individuals who otherwise would not be able to take care of themselves. A range of services from delivery of prepared meals, aid with managing the residence to stays in residential facilities is offered. It is often associated with long-term illness.

12. Limited Benefit policy - not very common, a bare-bones type of coverage intended to cover specific situations.

 

 

 

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Standard Health Plans Applications
Aetna
Application
Anthem BC Life and Health Insurance Company Tonik
Online Application
Anthem Blue Cross of California
Online Application
Application
Change of Coverage Form
Blue Shield of California
Application
Health Net of California
Online Application
Application
Health Net of California Farm Bureau
Online Application
Application
Kaiser Permanente
Online Application
Application
Temporary Health Plans Applications
Anthem BC Life and Health Insurance Company
Online Application
Application
Assurant
Application
Health Net of California
Online Application
Application
Health Plans
Kaiser Copayment Plans
Kaiser Deductible HMO Plans
Kaiser HSA-Qualified Deductible HMO Plans
Anthem Blue Cross Blue Shield
PacifiCare
Health Insurance
Dental Plans
Long Term Insurance
Kaiser
PPO Plans
Workers Pension

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