If you’re a California resident in search of affordable health insurance, shopping around for the right plan can be a little intimidating at first. This is especially true if you’ve never had to purchase health insurance in California before. Having some tips at your disposal about affordable insurance options is beneficial, so Good and Associates Insurance Services compiled a few insights for you below.
Before buying California medical insurance, consider the following factors.
State-Run Affordable Health Insurance in California
When considering affordable health insurance in California, its state-run programs are accessible to many who are in need. Although each resident has to apply to be eligible for benefits, the average resident can often receive coverage. However, if you don’t qualify for coverage due to pre-existing conditions or other reasons, there are still some options available for you.
Major Risk Medical Insurance Program (MRMIP)
As the title implies, this form of affordable health insurance in California is aimed toward those unable to obtain coverage because they’ve been identified as a major risk among insurance providers. Those who qualify for this program can receive limited health benefits and are required to offset the costs by paying premiums. However, the State of California supplements these premiums to lessen the burden on MRMIP participants.
Healthy Families Program
Falling under the umbrella of the MRMIP, the Healthy Families Program is geared mainly toward children whose parents make too much to qualify for public health insurance but still struggle to afford private health insurance. Members of this program are eligible to receive low-cost dental, health and vision coverage.
Access for Infants & Mothers Program
Many rely on the Access for Infants & Mothers Program (AIM) for their affordable health insurance in California. This program provides prenatal and preventative care for low-income mothers or those that are expecting. Program enrollees are privy to a comprehensive benefits package that includes major health services and inpatient/outpatient care.
Learn more about affordable California health insurance, call today!
Let Good and Associates Insurance Services help you and your family identify a health plan that works. We offer individual and group care, as well as Medicare and life insurance services, so call today.