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 WHAT IS HEALTH INSURANCE?

 WHAT IS PRIVATE INDEMNITY INSURANCE?

 WHAT ARE HEALTH CARE MAINTENANCE ORGANIZATIONS?

 WHAT ABOUT EMPLOYER SPONSORED PLANS?

See also - AB 1672 CIC 10700

 ARE THERE GOVERNMENT SPONSORED PROGRAMS?

See our page for links

 WHAT IS A HEALTH INSURANCE POLICY?

 WHAT IS A HEALTH INSURANCE PLAN?

 HOW DOES A HEALTH INSURANCE POLICY OR HEALTH PLAN PROTECT ME?

 HOW DOES AN INSURANCE POLICY "PROTECT" ME?

 HOW DO I DETERMINE WHAT MY HEALTH CARE COVERAGE OR BENEFITS ARE?

 SUPPOSE THE CONTRACT OR BOOKLET IS AMBIGUOUS OR UNCLEAR?

 WHAT ARE "DEFINITIONS," "BENEFITS," "LIMITATIONS," AND "EXCLUSIONS?"

 IF I THINK CERTAIN WORDS IN MY POLICY MEAN SOMETHING DIFFERENT FROM WHAT MY INSURANCE COMPANY SAYS THEY MEAN, HOW DO WE RESOLVE IT?

 ARE THERE ANY GOVERNMENT AGENCIES THAT REGULATE HOW HEALTH INSURANCE COMPANIES OR PLANS OPERATE?

California Department of Insurance Department of Managed Health Care

 WILL ONE OF THESE MANY AGENCIES BE ABLE TO HELP ME?

 IS A BUSINESS REQUIRED TO PROVIDE HEALTH INSURANCE TO EMPLOYEES?

 HOW DO I OBTAIN HEALTH INSURANCE?

Call Steve Shorr  310.519.1335 or click here to get rates & benefits

 ARE THERE ANY LIMITATIONS ON WHAT AN INSURANCE COMPANY CAN CHARGE FOR INSURANCE?

See AB 1672 - CIC 10700for groups of 2 - 50 there are "standard rates - the maximum surcharge or discount is 10%

 CAN A HEALTH INSURANCE COMPANY OR HEALTH SERVICE PLAN CANCEL MY POLICY FOR MEMBERSHIP FOR ANY REASON?

 CAN THE INSURER OR PLAN CANCEL OR RESCIND AT ANY TIME?

See also - Wrong or Incomplete Info.

 CAN I CANCEL MY HEALTH INSURANCE, AND WILL THERE BE A PENALTY OR ADVERSE CONSEQUENCE?

 IF I CANCEL DO I GET MY UNUSED PREMIUM BACK?

 ARE THERE DANGERS IN CANCELLING HEALTH INSURANCE?

 WHAT ARE TYPICAL PROBLEMS THAT ARISE IN GETTING HEALTH CARE BENEFITS PROVIDED OR PAID?

 WHAT IF THE INSURED LIED ABOUT A HEART ATTACK?

See also - Wrong or Incomplete Info.

 WHAT CAN, OR MUST, I DO WHEN A HEALTH INSURANCE COMPANY OR PLAN REFUSES TO PAY A CLAIM OR PROVIDE A BENEFIT OR SERVICE?

 WHAT IS THE APPEALS AND GRIEVANCE PROCESS LIKE?

 WHAT ARE MY LEGAL REMEDIES IF A HEALTH INSURANCE COMPANY OR PLAN REFUSES TO PAY A CLAIM FOR A BENEFIT OR SERVICE?

 WOULD I NEED A LAWYER TO HANDLE MY CASE?

Steve Shorr Insurance will do it's best for it's clients to get your claims paid - so you don't have to wait or go to court In some circumstances we can help non-clients on a consultation basis

 I CURRENTLY AM ON WORKER'S COMPENSATION. CAN MY EMPLOYER MAKE ME PAY FOR MY OWN HEALTH INSURANCE WHILE I'M OFF?

 WHAT WILL HAPPEN TO OUR HEALTH INSURANCE FOR MY DEPENDENT CHILDREN AND I AFTER THE DIVORCE FROM THEIR FATHER?

 HOW LONG WILL MY MEDICAL INSURANCE ALLOW MY NEW BABY AND MYSELF REMAIN IN THE HOSPITAL FOLLOWING CHILDBIRTH?

 MY FATHER WHO HAS CONJESTIVE HEART FAILURE AND TYPE 2 DIABETES RECENTLY UNDERWENT A QUINTUPLE HEART BYPASS. HIS MEDICAL BILLS ARE STAGGERING AND HE HAS NO HEALTH INSURANCE. SHORT OF FILING BANKRUPTCY, WHAT ARE HIS OPTIONS IN GETTING THESE AMOUNTS REDUCED?

You might try Medi-Cal

 I HAVE INCURRED SUBSTANTIAL MEDICAL BILLS FOR MY CHILDREN. MY HEALTH INSURANCE IS PAID THROUGH EMPLOYEE DEDUCTIONS. NOW I FIND MY COMPANY HAS NOT PAID ITS INSURANCE PREMIUMS AND HAS FILED BANKRUPTCY. IS THERE ANY WAY TO FORCE MY COMPANY TO PAY THE COVERAGE?

 

Cancellation

 

 CAN A HEALTH INSURANCE COMPANY OR HEALTH SERVICE PLAN CANCEL MY POLICY FOR MEMBERSHIP FOR ANY REASON?

 CAN I CANCEL MY HEALTH INSURANCE, AND WILL THERE BE A PENALTY OR ADVERSE CONSEQUENCE?

 IF I CANCEL DO I GET MY UNUSED PREMIUM BACK?

 ARE THERE DANGERS IN CANCELLING HEALTH INSURANCE?

 I CURRENTLY AM ON WORKER'S COMPENSATION. CAN MY EMPLOYER MAKE ME PAY FOR MY OWN HEALTH INSURANCE WHILE I'M OFF?

 

Coverage

 

 IF I THINK CERTAIN WORDS IN MY POLICY MEAN SOMETHING DIFFERENT FROM WHAT MY INSURANCE COMPANY SAYS THEY MEAN, HOW DO WE RESOLVE IT?

 DO I AUTOMATICALLY LOSE MY HEALTH INSURANCE WHEN I LOSE MY JOB?

 CAN I LOSE MY HEALTH INSURANCE AFTER I'M FIRED OR QUIT?

 WHAT ARE TYPICAL PROBLEMS THAT ARISE IN GETTING HEALTH CARE BENEFITS PROVIDED OR PAID?

 I CURRENTLY AM ON WORKER'S COMPENSATION. CAN MY EMPLOYER MAKE ME PAY FOR MY OWN HEALTH INSURANCE WHILE I'M OFF?

 WHAT IS PRIVATE INDEMNITY INSURANCE?

 HOW LONG WILL MY MEDICAL INSURANCE ALLOW MY NEW BABY AND MYSELF REMAIN IN THE HOSPITAL FOLLOWING CHILDBIRTH?

 MY FATHER WHO HAS CONJESTIVE HEART FAILURE AND TYPE 2 DIABETES RECENTLY UNDERWENT A QUINTUPLE HEART BYPASS. HIS MEDICAL BILLS ARE STAGGERING AND HE HAS NO HEALTH INSURANCE. SHORT OF FILING BANKRUPTCY, WHAT ARE HIS OPTIONS IN GETTING THESE AMOUNTS REDUCED?

You might try Medi-Cal

 WHAT WILL HAPPEN TO OUR HEALTH INSURANCE FOR MY DEPENDENT CHILDREN AND I AFTER THE DIVORCE FROM THEIR FATHER?

See Cobra Get quotes

 

Denial

 

 WHAT CAN, OR MUST, I DO WHEN A HEALTH INSURANCE COMPANY OR PLAN REFUSES TO PAY A CLAIM OR PROVIDE A BENEFIT OR SERVICE?

 WHAT IS THE APPEALS AND GRIEVANCE PROCESS LIKE?

See also Cal Broker Magazine 12/04 Article

View our Grievance Page

 WHAT IF THE INSURED LIED ABOUT A HEART ATTACK?

 

Divorce See also our (no longer supported) Family Law Page

 

 WHAT WILL HAPPEN TO OUR HEALTH INSURANCE FOR MY DEPENDENT CHILDREN AND I AFTER THE DIVORCE FROM THEIR FATHER?

 CAN MEDICAL INSURANCE BE INCLUDED IN ALIMONY?

 

Employer bankruptcy

 

 I HAVE INCURRED SUBSTANTIAL MEDICAL BILLS FOR MY CHILDREN. MY HEALTH INSURANCE IS PAID THROUGH EMPLOYEE DEDUCTIONS. NOW I FIND MY COMPANY HAS NOT PAID ITS INSURANCE PREMIUMS AND HAS FILED BANKRUPTCY. IS THERE ANY WAY TO FORCE MY COMPANY TO PAY THE COVERAGE?

 

Employer sponsored plans and benefits

 

 DOES AN EMPLOYER HAVE TO OFFER EMPLOYEES BENEFITS, SUCH AS VACATIONS, HEALTH PLANS, PENSION, ETC.?

 DO I AUTOMATICALLY LOSE MY HEALTH INSURANCE WHEN I LOSE MY JOB?  See Cobra

 CAN I LOSE MY HEALTH INSURANCE AFTER I'M FIRED OR QUIT?

 WHAT IS PRIVATE INDEMNITY INSURANCE?

 I CURRENTLY AM ON WORKER'S COMPENSATION. CAN MY EMPLOYER MAKE ME PAY FOR MY OWN HEALTH INSURANCE WHILE I'M OFF?

 

Government regulation

 

 WHO REGULATES THEM?

 ARE THERE ANY GOVERNMENT AGENCIES THAT REGULATE HOW HEALTH INSURANCE COMPANIES OR PLANS OPERATE?

California Department of Insurance Department of Managed Health Care

 ARE THERE LEGAL LIMITATIONS ON INSURANCE COMPANY BUSINESS PRACTICES?

 

Government sponsored plans

 

 ARE THERE GOVERNMENT SPONSORED PROGRAMS?

Check out this page

 

HMOs

 

 WHAT ARE HEALTH CARE MAINTENANCE ORGANIZATIONS?

 

Premiums

 

 ARE THERE ANY LIMITATIONS ON WHAT AN INSURANCE COMPANY CAN CHARGE FOR COVERAGE?

For group plans max. 20% variance see CIC 10700

 IF I CANCEL DO I GET MY UNUSED PREMIUM BACK?

 

Private indemnity policies

 

 WHAT IS PRIVATE INDEMNITY INSURANCE?

 HOW DO I OBTAIN HEALTH INSURANCE?

Call  310 519 1335  Get Quotes by clicking here

 

Purpose

 

 WHAT IS HEALTH INSURANCE?

 HOW DOES AN INSURANCE POLICY "PROTECT" ME?

 

Rates

 

 ARE THERE ANY LIMITATIONS ON WHAT AN INSURANCE COMPANY CAN CHARGE FOR INSURANCE?

For Group Plans 20% variance see CIC 10700

 

Self-employed

 

 HOW DO I OBTAIN HEALTH INSURANCE?

Call Steve Shorr  310.519.1335 or email him

 

Social Security recipients

 

 HOW DO I OBTAIN HEALTH INSURANCE?

See our page on Social Security  Medi Gap Policies

 

Spousal support payments

 

 CAN MEDICAL INSURANCE BE INCLUDED IN ALIMONY?

See our Family Law Page - Check out Children's Medical Coverage too