Individual & Family Medical & Health Insurance Plans California

List of underwriting conditions, that might be considered Pre - X

Click here to get a the best low cost, affordable individual & family medical insurance quotes we don't like the word cheap, but the search engines do. We offer HMO plans with unlimited lifetime maximums or $5 - $7 Million PPO. Here's links to our Life, Disability, Retirement and Medi Gap Insurance coverage including Part D - Rx.

We represent many fine Medical & Life Insurance companies, including Kaiser, Blue Cross, Blue Shield Jackson National PacifiCare and Health Net..

We take pride in helping Individuals and Families obtain medical insurance coverage either for Catastrophes or HMO Comprehensive coverage, with unlimited doctor visits for $10.

This isn't just a site where you get quotes and do everything by computer. We are here to provide personal service, via phone, Email and face to face visits, either in our office, your home or office or a mutually convenient location. We can even help you, if you have Pre Existing Condition issues.

Most plans pay up to $6,000,000 in life time benefits and include Prescriptions - Rx. So, in the overall scheme of things, if you have a $100,000 claim - whether you have the $10 HMO or a $1,000 deductible Hospital only plan - it won't make that much difference. These plans pay much better than a "Hospital Indemnity" plan, as they pay based on the actual charges, not a schedule of benefits.

You might also want to check out our disability page to recover your lost wages. G-d forbid, that you don't recover you might want to check out our Life Insurance page to protect your loved ones. Click here for links to the carriers information and websites. All plans are guaranteed renewable per Insurance Code §10273.6 and they have contractual guarantees* not to single you out for a rate increase or cancellation if you have too many claims or get sick.

Consumer Links

How to choose a health plan Web MD

CONSUMER’S GUIDE TO GETTING AND KEEPING HEALTH INSURANCE IN CALIFORNIA

Underwriting Guidelines or a list of what might be considered Pre-existing conditions. California AB 356 §10113.95

Medical Underwriting Wikipedia

California Patient's Guide, how to correct errors in your medical records.

"Sample" probable underwriting Pre Existing Condition form.

At least once each year, a health insurer shall permit an individual who has been covered for at least 18 months under an individual health benefit plan to transfer, without medical underwriting, to any other individual health benefit plan offered by that same health insurer that provides equal or lesser benefits as determined by the insurer AB 2889§10119.1(b) HMO Help.ca.gov/