Health Insurance San Diego – A Necessary Expense

2007-03-08 10:33:40

( Health )



The state has recognized that health insurance California is a necessity to its residents. Thus, legislature recently passed a law requiring employers to provide cal health insurance coverage for all employees who work at least 100 hours a month and have worked with the employer for at least three months. Larger employers (those with at least 200 employees) are also obligated to offer coverage for their employee’s dependents.

If you are employed, you would surely be relieved of some burden on your health insurance San Diego cost. Employers usually provide group health insurance California to ensure that all employees are covered regardless of health status. This is one big advantage of group cal health insurance because it does not require any proof of insurability.

But if you are self-employed or in between jobs, health insurance San Diego, health insurance Los Angeles and health insurance San Francisco can be a major expense since you have to purchase individual health insurance California. You’ll have to shoulder the cost.

Cal health insurance offers various plans. When you buy individual health insurance San Diego, cal health insurance companies will ask you to answer a health questionnaire and undergo certain medical examinations or laboratory tests to determine your insurability.

Once your insurability is ascertained, cal health insurance firms may either decline coverage or issue a policy setting some limits. Your age, lifestyle, medical history and income are some factors that bear on risk acceptance.

You can lower your cal health insurance premiums by raising the annual deductible amount (out of pocket expenses for routine treatment). And instead of paying your premium in a monthly or quarterly basis, you can pay annually to avoid service fees and receive a pre-payment discount. Although you may not have an employer-sponsored group health insurance San Diego, you may join associations that can pool several resources for volume discounts.


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