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California Health Insurance: Policies
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If your individual Kaiser Permanente of California health insurance policy has been wrongfully cancelled, you may have a bad faith insurance. Additionally, Kaiser requires policy holders to agree to submit medical malpractice claims to arbitration rather than litigation. This cuts costs for Kaiser, but it may put your right to fair and full compensation in jeopardy.
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The Major Risk Medical Insurance Program is available for a period of 36 months to those who cannot afford individual health insurance due to a pre-existing condition. After 36 months are over, an individual health insurance policy is guaranteed to you, with limits on its cost and without exclusions for your pre-existing condition.
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Some policies contain limitations on preexisting medical conditions that you may have before your California health insurance takes effect. Others contain an elimination period, which means that benefits will not be paid until after you have been hospitalized for a specified number of days. When you apply for the policy, you may be allowed to choose among two or three elimination periods, with different premiums for each. Although you can reduce your premiums by choosing a longer elimination period, you should bear in mind that most patients are hospitalized for relatively brief periods of time.
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Different types of health insurance coverage are in a single package. Go to other resources to find explanations of the different forms of health coverage, health insurance plans and frequently asked questions. The policyholder pays a single premium amount for the combination of these coverages. Read through and become conversant with these definitions to enable you to communicate intelligently about your personal medical insurance with insurance professionals and medical providers.
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The term health insurance refers to a wide variety of insurance policies. These range from policies that cover the costs of doctors and hospitals to those that meet a specific need, such as paying for long-term care. Even disability insurance—which replaces lost income if you can’t work because of illness or accident—is considered health insurance, even though it’s not specifically for medical expenses.
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An individual health insurance policy is a policy that you purchase on your own, with only one person (yourself) as the covered policy holder. There are many different types of policies for individual health insurance, such as PPO, HMO and short-term health insurance.
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