needed to make sure they receive optimal healthcare coverage.
Like any other health plan,Guest Posting the main motive of all California health plans is to provide coverage for expenses incurred for diagnosis and treatment of covered medical conditions. California has many different types of Health Insurance plans available, but not every plan could meet the requirements of every individual, family or group. It is important to choose and find the most suitable health plan according to the needs and falling within the range of stipulated budget.
Types of health plans in California
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The companies that provide health insurance in California include Aetna, Anthem Blue Cross, Assurant, Blue Shield, Celtic, Cigna, Healthnet, IAC, Kaiser Permanente, PacifiCare, and Solera Dental. There are basically three types of health plans offered in California by various providers:
1. Indemnity Policies—Traditional Fee-for-Service Insurance 2. Preferred Provider Organizations (PPOs) 3. Health Maintenance Organizations (HMOs or Managed Care)• Indemnity Policies-California Heal
More often than that, the indemnity policies let the consumer select any doctor and hospital that for health care services. The salient feature of any indemnity plan is the freedom of choice. A consumer is given medical coverage regardless of the doctors or hospitals he/she chooses. However, indemnity plans often have deductibles.The California Department of Insurance (CDI) regulates indemnity policies. As a resident of California, a consumer can contact the California Department of Insurance in case of any need provided the health plan is bought from an insurance company that has been authorised by the department. A lot of consumers may get confuse because jurisdiction is divided between state and federal agencies—so, it becomes sensible to approach the CDI for any questions.
Important Points to Remember About Indemnity Policies: