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California Health Insurance Facts

healthinsuranceThe term health insurance is generally used to describe a form of insurance that pays for medical expenses. It is sometimes used more broadly to include insurance covering disability or long-term nursing or custodial care needs.

Health Insurance may be provided through a government-sponsored social insurance program (MEDICAL), or from private insurance companies. Recently, the Obama Administration set up a new site so all Americans can get health insurance.

It may be purchased on a group basis (e.g., by a firm to cover its employees) or purchased by individual consumers. In each case, the covered groups or individuals pay premiums or taxes to help protect themselves from high or unexpected healthcare expenses.

Similar benefits paying for medical expenses may also be provided through social welfare programs funded by the government.

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Illness or non-work related injury can be financially devastating, especially when considering the rising cost of California health care over the past 20 years. California Health Insurance can help protect you from large out-of-pocket health care expenses that can accumulate during an acute or chronic illness. If you have a job, your employer may provide group comprehensive major medical coverage. You can also purchase individual comprehensive major medical coverage privately or through an insurance agent or broker who is licensed by the State of California to sell California health insurance products.

California Health insurance works by estimating the overall risk of healthcare expenses and developing a routine finance structure (such as a monthly premium or annual tax) that will ensure that money is available to pay for the healthcare benefits specified in the insurance agreement. The benefit is administered by a central organization, most often either a government agency or a private or not-for-profit entity operating a health plan. California Health Insurance News

California Speaks was a statewide deliberative forum on health care reform that took place on August 11, 2007 in eight counties in California: Humboldt, Sacramento, Alameda (Oakland), Fresno, San Luis Obispo, Los Angeles, Riverside and San Diego.

Nearly 3,500 people representing all segments of the population were randomly recruited to participate in this day-long discussion of health care reform proposals that are before the California legislature.

Participants identified four key values to guide health care reform at the start of the forum: Health care should be affordable by all, everyone should have access, greed (profit) should not be part of the system, and wellness/prevention should be a priority. There was general support for the AB8/Governor’s range of proposals, with a number of conditions.

Employer mandates were supported but most participants also wanted to assure that part-time and other employees were covered. Individual mandates were supported as long as there was an adequate standard for quality of care and other guarantees. Over 80% of this cross-section of Californians expressed a willingness to “share the responsibility” for paying for expanded health insurance. California Medicare | Medicare Plans in California

MRMIB is part of the California Health and Human Services Agency. The MRMIB was created in 1990 with a broad mandate to advise the Governor and the Legislature on strategies for reducing the number of uninsured persons in the state. The Board is comprised of volunteer members appointed by the Governor and the Legislature.

Healthy Families is low cost health insurance for children and teens. It provides health, dental and vision coverage to children who do not have insurance and do not qualify for free Medi-Cal.|


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