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Who has the best health insurance in California for college students?
Oct 09, 2007 by T.T | Posted in Other - General Health Care
I am a full time college student, and I am looking for health care insurance, but I'm not for sure which to go for. I was looking up Blue Shield of California, Health net, and Kaiser, but I'm new to this.
I'm not a big fan of HMO's, such as Kaiser, where you have a gate keeper system in place. A gatekeeper system is where you have your personal care physician "PCP" and you have to go through that doctor to get anywhere else (such as OB/GYN, cardiologist, etc.). I do like PPO or POS plans (Blue Cross, Blue Shield, Health Net), AETNA) as I can choose my own physician and I don't usually have to go through them to get a consult with another specialist.
When choosing an insurance company at any point in your life, you need to know what you can afford and what your needs are. Find out exactly what each plan covers and doesn't cover, how high of a deductible (the amount out of pocket you will have to pay before your insurance kicks in), what your co-pay will be (flat fee or a percentage of the office visit) and if vision, dental and psychiatric care is covered. An insurance broker may be able to assist you with finding the best coverage for you as well as explain the benefits of each policy.
You may also want to make a trip to your school's health department. Some schools offer a low cost health insurance plan or can refer you to a reliable broker. Depending on your age and if your parents are a part of your live, you may want to check with them. If they have insurance through work, you may be able to get coverage under their plan as you are a full time college student.
Good luck!
cgspitfire | Oct 09, 2007
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College student finding health insurance in california?
Sep 08, 2007 by Jose A | Posted in Other - Health
I'm a college student in california who needs to find a replacement for the health insurance offered by the school. I was thinking about going with tonik.
There are two kinds of long term care insurances the individual long term care and the group long term care, as the names suggest the individual long term care insurance involves the insurer and the insured person. These kind of individual health policies need to be approved by the California department of insurance.
Where as group health policy involves a group and the insurer. Normally group insurances are always priced less than the individual policies. The same applies here too.
Martha K | Sep 11, 2007
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Looking for affordable health insurance in California?
Aug 30, 2007 by BT | Posted in Insurance
Is there any way that an individual might be able to join an existing health insurande group? I am single, and my job does not offer insurance. I am 28 and healthy, but the costs of individual plans are out of my budget. I was just wondering if there was a better way to insure myself on the up and up.
In some states—I believe California is one—an insurance broker can bring together individuals into a small group that qualifies for a group plan. Consult with a local insurance broker. To find one, log on to a website like http://www.healthinsurancewiz.com and fill out a form requesting a quote. Your info will be sent to a broker in your area who will contact you. A broker works with several health insurance companies, and can find the best deal for you. There is no charge for the service and no obligation to buy.
Bradley S | Aug 31, 2007
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Ruling removes billing headache from emergency room visits - Los Angeles Times
09.01.09
Disputing such underpayments is impractical and costly, physicians say, so they bill patients for the balance, hoping the patients' complaints will prompt the HMO to pay in full. Gov. Arnold Schwarzenegger praised the ruling because it "reaffirms that patients should not be put in the middle of billing disputes between providers and health plans." Two years ago, Schwarzenegger directed his Department of Managed Health Care to adopt regulations banning balance billing, and last year he vetoed a bill that would have set minimum payments for emergency care. Chris Ohman, chief executive of the California Assn. of Health Plans, said the ruling would help contain healthcare costs and give consumers "the peace of mind they should have with health insurance." "They will no longer face the threat of receiving bills from emergency room doctors who want more than the fair payment a health plan is willing to cover," he said. Physicians said they were disappointed
Source: Los Angeles Times, CA
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California health insurance - News
Ruling removes billing headache from emergency room visits - Los Angeles Times
Los Angeles Times, CA - Jan 09, 2009
Ruling removes billing headache from emergency room visits Much work is ahead for the DMHC and the Department of Insurance, which also supervises health insurance, said Bryan Liang, executive director of the Patients off hook in emergency room fee dispute Court Limits Patient Billing for ER Care Court rules ER doctors can't rebill patients -
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High stakes in health battle - Boston Globe
Boston Globe, United States - Jan 09, 2009
NECNHigh stakes in health battle Also, with the recession cutting into employers' and workers' ability to afford insurance of any kind, Tufts's bid for a Blue Cross rate increase well above Blue Shield settles with Insurance Department Calif. reaches settlement with Blue Shield Blue Shield of California Settles With Insurance Department Over -
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Health care overhaul needn't break bank: study
Reuters - Jan 09, 2009
Some 46 million Americans, or about 15 percent of the population, have no health insurance. While Americans pay more per person for care than any other
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Editorial: Obama must speak for our children on health care - San Jose Mercury News
San Jose Mercury News, USA - Jan 08, 2009
Editorial: Obama must speak for our children on health care That's one reason why Bush dismissed pleas to expand the state children's health insurance program known as SCHIP. He also saw the program as a step toward
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Increase health coverage in state - Muskogee Daily Phoenix
Muskogee Daily Phoenix, OK - Jan 09, 2009
Increase health coverage in state This is exactly what California has done: Those already registered for other public assistance programs are rapidly enrolled in public health insurance. California: Big State, Many Without Health Insurance Mandated Health Insurance-Why The Conservatives Have It Exactly
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