Health Insurance in California: A Buyer’s Guide to the Right Policy
According to the California Healthcare Foundation, only 58 percent of companies in the state provided health insurance to their employees in 2014. It went down by 11 percent over the last 14 years. Looking at the California premiums, which are 11 percent higher than the national average for single coverage and 5 percent higher for family coverage, you can easily know the reason behind the gradual downturn. The cost of insurance is expected to increase down the road.
Why You Should Purchase Health Insurance
No matter how expensive insurance premiums are, it’s definitely a bad idea not to have one. Normally, people who lack health insurance are at risk of financial hardships in the sudden event that they require hospitalization or extended care takes place. They also become discouraged to get the proper treatment to their illnesses because they don’t have the means to pay for it, which then leads to poor quality of life.
Considerations When Purchasing Health Insurance
The Right Physician. Insurance providers normally have a network of physicians they recommend to make sure that their clients’ treatments will be partially or fully covered. You may be visiting a clinic recently and haven’t checked if the doctor you’re consulting or getting treatment from belongs to your insurance provider’s network. If not, look for a doctor who is and research more about their expertise and time of availability.
The same goes when looking for a specialist. If you have a condition that requires a specialist, make sure that the condition is covered by your chosen health insurance in California and there is an in-network specialist available so you can maximize the benefits of your coverage
Facilities. Health insurances cover not just treatments but also facilities, as both usually go together. Research on the emergency rooms and hospitals covered by your plans so you can make quick and informed decisions should an emergency arise requiring it. Policy holders should ensure to know about these details about their Chino insurance policy so they won’t have to end up paying unexpected fees.
Who to Consult
Choosing and buying health insurance can be downright intimidating. With all the options available, you might get lost and pick one you cannot afford. The best way to avoid mistakes is to consult firms, like Good and Associates Insurance Services, which provide helpful insurance information to private individuals, and even small businesses, through its integrated suite of Web-based services.
Source:
– California Employer Health Benefits: Rising Costs, Shrinking Coverage, chcf.org
– What Are the Consequences of Not Having Health Insurance?, eHow.com
– 10 Key Considerations When Comparing Health Care Plans, About.com
