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What is health insurance? - Health insurance is a type of coverage that helps individuals pay for medical expenses and services.
How does health insurance work? - Health insurance works by individuals paying premiums to an insurance company in exchange for coverage of medical expenses, subject to certain deductibles, copayments, and limits.
Why do I need health insurance? - Health insurance provides financial protection against unexpected medical expenses and ensures access to necessary healthcare services.
What types of health insurance plans are available in California? - Common types include HMO, PPO, EPO, and POS plans, each with different networks and coverage options.
How do I choose the right health insurance plan for me? - Consider your healthcare needs, budget, preferred providers, and coverage options when selecting a plan.
Can I get health insurance if I have pre-existing conditions? - Yes, under the Affordable Care Act, insurance companies cannot deny coverage or charge higher premiums based on pre-existing conditions.
How much does health insurance cost in California? - Costs vary based on factors like plan type, coverage level, age, and location. It's best to obtain personalized quotes to determine specific costs.
Can I get financial assistance to help pay for health insurance? - Yes, individuals with certain income levels may qualify for subsidies or tax credits through programs like Covered California.
What is the difference between HMO and PPO plans? - HMO plans require referrals and have a primary care physician, while PPO plans offer more flexibility in choosing providers.
What does "deductible" mean in health insurance? - The deductible is the amount individuals must pay out-of-pocket for covered services before the insurance company starts contributing.
How does copayment work? - Copayment is a fixed fee individuals pay at the time of receiving specific healthcare services.
What is an out-of-pocket maximum? - The out-of-pocket maximum is the limit individuals pay for covered services in a policy year, after which the insurance company pays 100%.
Are preventive services covered by health insurance? - Yes, most health insurance plans are required to cover preventive services without cost-sharing, such as vaccinations and screenings.
What is the open enrollment period for health insurance in California? - Open enrollment is a specific period during which individuals can enroll in or make changes to their health insurance plans. (typically from November 1 - January 31).
Can I get health insurance outside of the open enrollment period? - You may qualify for a Special Enrollment Period if you experience a qualifying life event, such as marriage or loss of job-based coverage.
How do I apply for health insurance in California? - You can apply through Covered California, directly with insurance companies (Kaiser, Blue Shield, Anthem Blue Cross, VSP, etc ) or with the help of a licensed insurance agent or broker.
What is Covered California? - Covered California is California's health insurance marketplace, where individuals can shop for and enroll in health insurance plans.
Can I keep my doctor with my health insurance plan? - It depends on the specific plan and provider network. Check if your doctor is in-network before choosing a plan.
What is a network in health insurance? - A network is a group of healthcare providers (doctors, hospitals, clinics) that have contracted with an insurance company to provide services at discounted rates.
How do referrals work in HMO plans? - HMO plans often require a referral from a primary care physician to see a specialist.
Is dental included in the medical insurance? For adults, dental insurance is a separate policy. Dental plan rates are as low as $8/month for HMO plans and $50/month for PPO plans.
Is vision care included in the medical insurance? For adults vision insurance is a separate policy. There are plans available for as low as $15/month (annual contract is required for vision plans)
What is Medicare? Medicare is a federal health insurance program in the United States primarily designed for individuals aged 65 and older. It also provides coverage for certain younger individuals with disabilities or end-stage renal disease. Medicare is divided into different parts, including Part A (hospital insurance), Part B (medical insurance), Part C (Medicare Advantage plans), and Part D (prescription drug coverage).
What is Medi-Cal? Medi-Cal is California's Medicaid program, a joint federal and state health insurance program that provides free or low-cost medical coverage to individuals and families with low income.
Is travel insurance covered by regular medical insurance? Typically for travel outside of US it's best to get a separate international travel insurance as it provides financial protection against unexpected events such as trip cancellations, medical emergencies abroad, lost baggage, or travel delays, giving travelers peace of mind and potentially saving them from significant expenses. For visitors and tourist to the US it's also advisable to apply for a visitor insurance while travelling. The rates are affordable and short term coverage is available for as low as 6 days!

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