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Health insurance helps protect you and your family from large out-of-pocket medical expenses that accumulate during an illness. Many employers provide some level of health insurance under a group policy availabe to the company's employees. If your employer does not provide medical coverage, you are unemployed or self-employed, you can purchase medical coverage through an insurance agent or broker. Health insurance coverage pays for expenses incurred for diagnosis and treatment of covered medical conditions. It is important to choose a plan that best fits your budget, age, family needs and lifestyle.

Individual and family health insurance plans ususally fall into one of two categories commonly referred to as indemnity or managed-care plans. The major differences between the two categories are evident in how you choose your provider, how out of pocket costs are handled and how bills get paid. For example, under an indemnity policies you usually can choose any doctor or hospital that you wish when seeking services. Under a managed-care plan, you either select a primary care physician who treats and directs all health care for you or you are given a list of preferred providers from which you can chose any provider. Under indemnity plans, you often to pay upfront and are reimbursed after a deductible is applied. Under a managed care plan, providers agree to perform services for patients at pre-negotiated rates and usually the provider handles the claims processing for you.

Indemnity and managed-care policies in the state of California are regulated either by the California Department of Insurance or the Department of Managed Health Care. The state of California also offers special programs and assistance to those who do not qualify for health insurance due to preexisting conditions, income restrictions and for small employers (between 2 to 50 workers). For example, California has a Major Risk Medical Insurance Program (MRMIP) that offers limited health insurance benefits to residents of the state can't purchase health insurance due to a preexisting medical condition.

Be sure to talk with your agent about the terms of your proposed policy.

Our customers come from Los Angeles, San Diego, San Jose, San Francisco, Long Beach, Fresno, CA and other great cities in the golden state to find cheap health insurance from top rated insurance companies. Our California insurance agent and broker referral network can help you compare rates using one simple form process.