LYCOS RETRIEVER 
California Health Insurance: Coverages
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Healthy Families is a low cost health insurance program for children living in California under the age of 19. They must have been without employer-sponsored health insurance for the last three months. They cannot be eligible or enrolled in Medi-Cal and they must meet citizenship or immigration guidelines. Healthy Families is ... available to children born to mothers enrolled in the AIM Program, which provides health insurance coverage to pregnant women. The family income must be within the Healthy Families Guidelines. Minors without parents and their children can qualify on their own.
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In California, group health insurance cannot be turned down for a health problem, nor are you required to pay additional money, provided you qualify. Your group insurance cannot be cancelled if you fall sick. In case you have pre-existing conditions and have changed your job, you cannot be refused group insurance at a new job. However, you may have a limited time when the problem is excluded from insurance coverage. If you have unbroken prior coverage of 63 days or more, you will get creditable coverage.
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In California, group health insurance cannot be refused because of a health problem. You will not be required to pay extra, provided you qualify. Group health insurance cannot be cancelled if you get sick. If you have pre-existing conditions and a change in jobs, you cannot be denied group insurance at a new job. Although, you may have limited time if the problem is excluded from insurance coverage. If you do not have a long break (63 days or more) in prior health coverage, you will be eligible for creditable coverage.
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California group insurance is typically offered through employers, although unions, professional associations, and other organizations ... offer it. As an employee benefit, group health insurance has many advantages. Much—although not all—of the cost may be borne by the employer. Premium costs are frequently lower because economies of scale in large groups make administration less expensive. With California group insurance, if you enroll when you first become eligible for coverage, you generally will not be asked for evidence that you are insurable. (Enrollment usually occurs when you first take a job, and/or during a specified period each year, which is called open enrollment.) Some employers offer employees a choice of fee-for-service and managed care plans. In addition, some group plans offer dental insurance as well as medical.
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In California, you can be denied individual insurance coverage because of a health problem (if you are not eligible with HIPAA) and there are no restrictions on the price of premium. If you are eligible with HIPAA, you cannot be rejected for individual insurance, cannot be given pre-existing condition exclusion periods, and have limitations on the cost of the insurance. And if you have continuous coverage without any lapse for more than 62 days, you are entitled to creditable coverage for the prior insurance by the new insurance company. Individual insurance cannot be cancelled if you fall sick.
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SAN FRANCISCO, March 30 /PRNewswire/ -- Responding to increased market demand for more affordable, flexible health coverage, Blue Shield of California Life & Health Insurance Company (Blue Shield Life) is introducing new products for individual and family plan members. Blue Shield Life is offering Active Choice(SM) Plan 600 and Shield Spectrum PPO(SM) Plan 5000, two distinct plans that afford members comprehensive coverage and increased control over their healthcare dollar spending.
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