Instant Online Health Insurance Quotes

California law does not require health insurance companies to sell standardized policies. As a result, health insurance companies have designed many different types of policies that increase the need for you to shop your insurance. In addition, California law does not require companies to cover all benefits. For example, some policies will not cover cancer screenings.

Our service helps consumers quickly find and compare California health insurance companies. Simply complete our short form and then we will instantly search over 6,000 companies to obtain multiple easy-to-understand health insurance quotes.

California law prohibits insurance companies from canceling your coverage simply because you get sick. This is referred to as guaranteed renewability. Continued coverage is ascertained if you continue to pay your premiums and avoid misrepresentations. Please note that your coverage can be cancelled if your health carrier terminates your health plan or leaves the marketplace.

There are two state agencies in California that oversee the health insurance industry. The California Department of Managed Health Care (DMHC) regulates the state’s HMOs. The Department of Insurance regulates California’s PPOs and indemnity insurance plans.

Consumer Responsibilities

When shopping for health insurance, it is a good idea to buy coverage that meets your needs and budget. It is always a good idea to avoid purchasing coverage that you cannot afford. One way to lower costs is to avoid duplicate coverage.

As a consumer, you are responsible for the following:

• Provide accurate information on the application
• Obtain a signed binder once you sign the application
• Get a receipt if you pay by cash or money order
• Obtain a copy of the broker fee agreement
• Report changes that could affect your policy
• Check the policy for accuracy once it is received.

California insurance code requires an agent, broker, or insurance company to protect your personally identifiable information. If you omit or falsify information, a health insurance company can cancel your policy or deny your claims.

California Health Insurance Laws

California state law requires health insurance companies to disclose benefits, coverages, time limits or other important claim related information. Once a claim is filed, the insurance company is required to respond to your claim within 15 days. It is unlawful for an insurance company to discriminate based on race, gender, income, religion, language, ancestory, sexual orientation, or physical disability. State law also requires health insurance companies to pay undisputed claims within 30 calendar days.

We understand the California health insurance issues and how to find the best health insurance policies. Start now by allowing us to shop your insurance.