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California Health Insurance Guide

Feb 22, 2008
In recent times there has been a steady climb in the number of people suffering form diseases and physical disorders mainly in the younger age group of people. And these problems because improper lifestyles, environmental conditions, lack of exercise, stress, etc. And it has become really important for everyone to have the best possible health insurance policy mainly due to the skyrocketing costs of health care and medical treatment.

There are many health insurance providers in the California who tend to people of different ages. The central government also has started such programs; to attract plenty of people to join the policy schemes.It is to help the people from the lower income groups. You have to understand different policy schemes that they provide and then you have to select the right kind of policy scheme. There are many agents who ready to help you in selecting the relevant policy.

In many health insurance the fee for service plans is an unadventurous form.There are mainly two types of health insurance plans. 1. The indemnity plan and 2.Managed care plan. In indemnity plan which is also called as reimbursement plan offers a wide range of doctors, hospitals and other medical services. Even the reimbursement amount depends upon the policy. Actual expenses of the medical care are met by the insurer. And managed care plans consist of sub-kinds; HMO's, PPO and POS. It is on a prepaid basis and that the HMO provides treatment and they also charge a monthly fee for the health care services. An organization of doctors and hospitals that offer services to association or groups are called PPO's. In POS plans you are not expected to pay a deductible amount. In managed care plans have their own set of doctors and health care centers and hospitals.

Today almost all the health insurance companies have their own websites that provide information on various aspects of their products and policies.
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