California Health Care Insurance Services
Getting Health Care Reform Right
9/18/09 •
Anthem Blue Cross has been pursuing responsible and sustainable health care reform as the Senate and House of Representatives have been working this summer — and will continue to do so going forward.
They have also launched their grassroots Web site, the Wellpoint Health Action Network, to assist you with contacting your elected officials as well [...]
Recent Posts
Group or Individual insurance?
9/17/09 •
The major difference between group and individual health insurance involves evidence of insurability. To purchase individual insurance, a person must generally answer a health questionnaire and undergo a medical examination to provide evidence of insurability to the insurance company. An insurer may decline coverage on the basis of the applicant’s personal habits, health, medical history, [...]
What types of group protection do most employers provide?
9/11/09 •
Although there are many variations of each, the four major types of insurance coverage provided by employers to their employees are life, accidental death and dismemberment (A D & D), disability and health or medical. Some employers also provide additional coverages, including group legal, travel accident and vision and dental care.
What are the advantages of group insurance over individual insurance?
9/07/09 •
For an employer that intends to provide insurance protection to its employees, the group approach ensures that all employees, regardless of health, can be covered. Those with known health problems, who might otherwise be unable to obtain individual insurance, can be covered automatically upon employment without evidence of insurability. Although some limits may be imposed [...]
How do individuals receive health insurance protection?
9/03/09 •
Besides participating in group insurance plans, individuals may also be covered under federal and state government-sponsored programs such as Medicare and Medicaid, service-type plans such as Blue Cross/Blue Shield or so-called alternative health care systems such as health maintenance organizations (HMOs) and preferred provider organizations (PPOs). Insurance may also be purchased privately on an individual [...]
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