Wednesday, July 3, 2013

Cheap Health Insurance Plan California and Guidelines

Psychologically, every Californian would think that he/she should go for a health insurance plan that is economical and does not cost too much. But is it all? What if the health plan does not offer what you need? It would be sheer wastage of money however small it may be. Instead of this, a consumer should not have a plan altogether.

However, this option is again going to change. The Affordable Care Act makes it must for every citizen to buy a health insurance plan. But with the implementation of health care reforms, there are lots of options available to the Californians to buy health insurance on the cheaper side.

In the true sense of the term, a cheap health insurance plan is the one that offers health care coverage of the required level within minimal amount of budget. So, ideally, consumers should look from this angle while buying a cheap health insurance policy in California.

With the implementation of health care reforms, a lot of benefits have come live for the consumers. They can't be dropped from coverage when they get sick; they can get freedom to choose the physician; they can't be discriminated on their pre-existing condition after 2014. So, all these benefits would help Californians to avail cheap health insurance plans quickly and with peace of mind.

Action Steps:

Heading: Options Californians have to buy cheap health insurance

Description: Buying health insurance from private insurers is not a very cheap option. However, if consumers can shop around a bit and make a careful choice, they can land on an affordable health At the same time, there are government sponsored programs from the state and federal government. These programs are geared to provide health care coverage options to the low income families and consumers who find it difficult to buy regular health insurance plans available in the market.

Below are some of the state-run plans that could help Californians:

•    Major Risk Medical Insurance Program (MRMIP)
•    Healthy Families Program
•    Access for Infants and Mothers Program (AIM)

I Recommend: 

If consumers want to buy health insurance plans form private insurers they need to search around, ask for quotes, compare the plans and then make a decision. Below are some of the companies that could be tried to buy cheap health insurance:

•    Aetna
•    Anthem Blue Cross
•    Assurant
•    Blue Shield
•    Celtic, Cigna
•    Healthnet
•    IAC
•    Kaiser Permanente
•    Pacific Care
•    Solera Dental

Tips and Tricks:

1.    Shop around and don't buy from the very first stop that you make.
2.    Try to eliminate coverage for routine office visits. This will reduce the premium.
3.    Higher deductible is also a good option.
4.  Annual payment of premiums allows consumers to avail discounts. But they need to check which companies offer this discount.

5.    Medical Savings Account (MSA) are again a very good option.
Effective and coverage insurance cheap plan.

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