California Health Insurance Frequently Asked Questions

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California Health Insurance Frequently Asked Questions
California Health Insurance Frequently Asked Questions

You’re a California health insurance consumer with questions about the California state health insurance that is right for you, your family, and your business. We’re Vitality Health Insurance Services and we’ve got the answers! Below, please find this convenient listing of Frequently Asked Questions relative to the task of shopping for just the right California insurance plan. While we offer this California health insurance FAQs section, you can also rely on our convenient California health insurance ‘Survival Kit’ that is likewise found at this California health insurance website. We also realize that while we have made every attempt to be comprehensive in the information shown here at the site, additional questions or concerns do arise and that’s why you can rely on the Vitality personal touch service: You can use our convenient toll free number shown above or please write to us at our California state health insurance Contact Us page – we’re standing by and ready to help!

What does the term pre-existing condition mean and how does that impact me?
And the answer is…
A health problem that existed or was treated before the date your California health insurance became effective. Insurers utilize a pre-existing condition exclusion to protect themselves against the risk of adverse selection wherein only sick or those immediately in need of healthcare would purchase a California medical insurance policy. For individual California health insurance plans the waiting periods for a pre-existing condition range from six months to one year. In group health insurance California plans covering three or more persons the waiting period is six months.

Will my California health insurance plan pay for my dentist visits?
And the answer is…
While your California health insurance plan will typically offer some form of coverage for generic and/or brand name prescription drugs, your California dental insurance typically will come in the form of a standalone policy that will need to be purchased separately. Generally California health insurance plans will cover certain “dental injuries” but without a full-fledged dental plan there is no coverage for dental visits per se.

What determines how much I’ll pay for my California health insurance plan?
And the answer is…
The premiums you pay for your California health plan will be determined based on a variety of factors such as the choices you make in the features you seek in your California medical insurance such as the amount of the annual deductible, whether you want access to both generic and brand name prescription drugs and so forth. Your premium will also be determined by the level of risk the insurance company believes you represent after passing through the underwriting process: Are you a “standard risk”, a “sub-standard risk”, or a “preferred risk” based on your medical history? These classifications will all affect your premium rate as will your age, gender, and the zip code of residence.

How does group health insurance California plans differ from California health insurance individual plans?
And the answer is…
Group health insurance California plans will differ from their California health insurance individual plan counterparts primarily in their underwriting characteristics. In California, small group health insurance policies require that coverage be offered on a guaranteed issue basis regardless of any pre-existing condition (Although a six month waiting period can apply on pre-existing conditions.)

Medicare…Medigap…What’s the difference?
And the answer is…
Medicare is a federal program that provides healthcare services to the country’s seniors and certain disabled citizens. It applies to persons over 65 years of age and to certain disabled beneficiaries under the Social Security program. Insurance Medicare supplemental plans are sold to individuals and their spouses. These plans are intended to fill the “gaps” in the coverage provided by the Medicare program and have thus earned the moniker “Medigap” plans.

I am covered through my group health insurance California plan but need insurance for my child. Can I get a health insurance policy for just my child?
And the answer is…
Yes, we offer child health insurance California parents can rely on for the healthcare needs of their children and at affordable pricing levels that are household budget friendly.

What’s best: California life insurance that is called permanent or whole or should I go with the term life insurance?
And the answer is…
The choice between a California life insurance policy that is categorized as whole life or permanent versus a term life insurance policy will depend on a variety of factors and this is where close consultation with your Vitality life insurance specialist will help you decide on the California life insurance strategy that is right for you. While a whole life policy does offer both a life insurance element and a savings vehicle element and can provide a ready source of “rainy day cash” a policyholder could tap into in case of an emergency or is yet another element of a sound and versatile retirement savings strategy, we are also fans of the term life insurance policy with its historically low rates which abound these days. This is truly a case where a bit of careful, considerate consultation with a Vitality insurance professional is your key to a winning California life insurance strategy!

I have a California medical insurance policy. Why do I need to buy California long term care insurance?
And the answer is…
Your California medical insurance policy would only likely help pay for some limited amount of nursing care while you are recovering from an illness or injury that required medical attention. Once you have reached the maximum limit for the nursing benefit – which likely will come fairly quickly depending on your policy – you’ll be on your own. California medical insurance is simply not intended to pay for the lengthy nature of covering activities of daily living in the way that California long term care insurance is designed.

I have Medicare. Why would I need California long term care insurance?
And the answer is…
Medicare will only provide the recipient with some skilled nursing car in strictly limited situations. California long term care insurance is about helping you maintain your independence and maintain your assets at a time in your life when you’ll want to savor the life you have created through a lifetime of hard work.

I’m 40 and work behind a desk. Why in the world does someone like me need California disability insurance?!
And the answer is…
Well first, you might not need California disability insurance because you might already have some form of disability insurance through your employer if you are presently covered by a group health insurance California plan. On the other hand statistically the prevalence of being afflicted with a disability is much greater than you might think. In fact, one-third of all Americans between the ages of 35 to 55 will become disabled for a period of more than 90 days according to the American Council of Life Insurers and here are two more facts: If the disability goes beyond 90 days statistically it will likely go on for a period of years. Further, disability is typically due to illness rather than some sort of freak injury occurrence. Think of where your household finances would be if your inability to work cost you three months wages…Now think about the devastating financial effect of a disability that lasts years.

I’m going out of the country to visit family for an extended period of time. Will my healthcare needs be met since I already have California health insurance?
And the answer is…
Actually, for the peace of mind you deserve, a travel health insurance policy might be just the ticket you need to make certain that your healthcare and financial wellbeing are being protected thanks to the California travel insurance plan you can secure through the professionals at Vitality Health Insurance Services. Don’t let illness or injury threaten what promises to be a special event that you and your family can cherish for a lifetime!