AFFORDABLE HEALTH INSURANCE

 
(Free California Health insurance quotes)
   
Phone: (323) 937 5690                    

        Before passage of the Health Insurance Portability and Accountability Act (HIPAA) in 1997, people had to worry about health insurance coverage for preexisting conditions like diabetes, heart disease, or cancer. If you changed jobs and had to change insurers, you might not have been able to get some of your care covered because of the preexisting condition exclusion.

        Today, HIPAA helps to assure continued coverage for employees and their dependents, regardless of preexisting conditions. Insurers can impose only a 12-month waiting period for any preexisting condition that has been diagnosed or treated within the preceding 6 months. As long as you have maintained continuous coverage without a break of more than 63 days, your prior health insurance coverage will be credited toward the preexisting condition exclusion period.

        If you have had group health coverage for at least 1 year and you change jobs and health plans, your new plan can't impose another preexisting condition exclusion period. If you have never been covered by an employer's group plan and you start a new job that offers such a plan, you may be subject to a 12-month preexisting condition waiting period. Federal law also makes it easier for you to get individual insurance under certain situations. You may, however, have to pay a higher premium for individual insurance if you have a preexisting condition.

        If you have not had coverage previously and you are unable to get insurance on your own, you should check with your State insurance commissioner to see if your State has a high-risk pool (described previously in this booklet). You can find the phone number for your State insurance commissioner in the blue pages of your local phone book.

Source: Agency for Healthcare Research and Quality and America's Health Insurance Plans.

            For more information about finding the right health insurance policy for you, contact GotAffordableHealthInsurance.com, a licensed California health insurance agency.

            I represent the major health insurance plan carriers and write policies all over the state. For more information, call our insurance agency at 323-937-5690 or email me with any questions that you have about buying health insurance in California.

            Contact us today, and find how to find a affordable health insurance plan today.