California Medical Insurance
At InsureMe, we understand what your health means to you. And that's why we're here: to help you find the best medical insurance in the state so you can live healthy and happy.
Let us connect you with California medical insurers ready to compete for your business. You'll get up to eight free, no obligation quotes, putting quality medical insurance well within your reach—for less than you ever thought possible. Get covered today!
Play It Smart
Did you know that, as a California resident, you have certain rights to health care that no one can take away from you? That's right; and they're in place to ensure you have complete control over your own medical care.
What are these rights?
- Quality, timely health care
- Complete information regarding your medical insurance rights and benefits
- Full charge of your own health care, including diagnoses and treatments
- Ability to select your own primary care provider
But along with rights come responsibilities (isn't that what we always tell our children?). It's your responsibility to:
- Read and understand your plan's coverage
- Maintain a record of treatments and coverage
- Make healthy lifestyle choices and take preventive health care measures
- Actively participate in your own health care to ensure quality service and coverage
Keeping good records and knowing what your medical plan covers—and what it doesn't—means the coverage you need is there when you need it most. And that means no unpleasant surprises during emergencies!
Words for the Wise
Another question to ponder: Did you know that what you do in your free time affects your ability to get California medical insurance?
That's right; California medical insurance companies take a good hard look at your life when deciding whether or not you're insurable, and activities like hobbies do come into play. Other factors they consider that could get you a thumbs-up or -down include your:
- Age
- Health
- Habits
- Lifestyle
- Occupation
Habits such as drinking or smoking can result in a myriad of health problems, which makes you a greater risk to your insurer—as does working in a dangerous occupation. So for the lowest rates and best coverage, take off that extra weight, get out of the dynamite-blasting business and keep the sky diving to a minimum!
One important note: if at all possible, buy California medical insurance while you're young. The older you are at the time you apply for coverage, the more expensive your premiums will be—and the more likely you'll have a hard time getting insured.
Buyer Beware
We've all heard the phrase, "If it sounds too good to be true, it probably is." Well, that idea also applies for medical insurance. Lately, California has seen an increased number of people selling what they call "discount health care plans" and offering huge discounts on medical care.
The truth is, these "discount health care plans" are not real medical insurance; they're simply overpriced, run-of-the-mill programs sold by unscrupulous marketers out to make a buck. Translation: FRAUD!
So how can you protect yourself from health care schemes like these? For starters, be cautious if you encounter a plan that:
- Offers exaggerated discounts (some have been found to offer up to 80 percent discounts)
- Requires payment before sending written information about the policy
- Does not provide details about cancellation or refunded policies
- Does not contract with listed providers
Another way to protect yourself is to make sure your California medical insurance agent is licensed to do business in your state. Check him or her out at consumer-rating companies like A.M. Best, or through the California Department of Insurance at (800) 927-HELP. If you don't find any information on him there, assume he's practicing illegally and don't do business with him.
Start Saving Now!
Now that you've got the scoop on California medical insurance, we hope you're feeling confident and informed. Now take decisive action on your own behalf and apply for free quotes from local insurers today. We think you'll be surprised how much money you can save!
