As a resident of the state of California, you are entitled to certain state and federal protection when it comes to health insurance. Briefly, we’ll touch on some of these protections available to you.
Health insurance California options depend on the current status of your health. If you’re currently experiencing a medical condition, your options might be somewhat limited. However, if you are currently sick, you can still be protected.
Health insurance California coverage can’t be limited or denied under your group health plan, if applicable. As well, you cannot be charged a higher premium because of the status of your health. This is known as “nondiscrimination.”
Health insurance California plans have a limit when it comes to pre-existing conditions. Guidelines stipulate what a pre-existing condition is, as well as the time period you have to wait before your new health insurance plan covers that pre-existing ailment. In general, there is a pre-existing condition exclusion period that your old plan should cover. This is if you join a new health insurance plan.
If you are currently healthy but later become sick, it is against the law for your health insurance California plan to be canceled.
Should you leave your current employer for a new one, you are entitled to keep your existing health insurance California coverage for a limited period of time. Known as COBRA, or Cal-COBRA, you can retain health coverage between jobs, while waiting for new coverage to take effect, or take early retirement before your Medicare eligibility takes effect. Health insurance rules limit what you are allowed to be charged for COBRA.
If you’ve had a minimum of 3 consecutive months of health insurance California coverage and lose it, you could be eligible to purchase an individual health coverage policy from your group coverage provider. Called a “conversion policy,” legislation governs the limits on your premium as well as what coverage must be included with the policy. As well, with a conversion policy, you will not be subject to pre-existing condition limitations.
If your health condition prevents you from affording health insurance California coverage, you could qualify for the Major Risk Medical Insurance Program (MRMIP). This coverage is available for up to 3 years, and there are limits to the premium amount you’re charged. Once the 36 months are over, you are guaranteed a health insurance California policy in the individual market. You’ll also have a premium limitation protection available.Find the best policy plans for your needs with PolicyPedia today.
If your income falls below a certain level, you could qualify for a health insurance California policy for free or on a subsidized basis. Called the California Medi-Cal program, people such as pregnant women, elderly individuals, disabled individuals, and families with children can be covered. As well, some women who’ve been diagnosed with breast or cervical cancer might qualify for care via Medicaid.
This is an overview of the rights available to you under health insurance California legislation. Check with your local department of social services for more information.