The new covered health insurance market in California, offers a wide range of affordable health plans for you to choose. If you are a cover self-employed or looking beyond what your employer currently offers, there is a plan that probably fits your needs. Federal regulations require that health plans operating under the Law on affordable health care (ACA) meet certain conditions of access. In California, these requirements include timely access to health care providers and geographic access standards.
Here an individual health insurance general guide can refer to when choosing a plan. And do not forget those important dates regarding registration open for 2016.
The supplier network
When selecting a health insurance plan, it is important to check the network providers plan doctors, hospitals, nurses, therapists and other health care providers. It is equally important to understand what is not covered too. Understand the plan network providers help you save money, get better care, avoid unexpected expenses and fees and be happier with the care they receive. Care outside the network
It is not limited to health care providers in its network, but if you decide to use an outside your network, health insurance will cover less, resulting in a pocket cost more for you unless in case of emergency.
The provider is in the network
If your health care provider leaves your network, you generally find a new doctor within the network, and most plans will help you do it. In general, the policy of continuity of care from a health plan allows the patient to continue with a physician who is on the network for a certain period of time to lower the cost-sharing rate.
cost-sharing requirements
Each plan has different requirements for cost sharing. Usually, its overall share of the costs is a combination of premiums paid and any share, coinsurance or deductible that is financially responsible.
Find a doctor
In most cases, the plan you choose will have a list of doctors that accept your insurance. The California Medical Board offers some good advice on choosing a doctor:
Ask friends, relatives or coworkers about doctors they like.
Ask your county or medical association for the names of doctors in your area.
Once you have names, call and ask if the doctor is accepting new patients and whether they accept your insurance plan.
Check with the medical board to verify that the doctor licensed in California.
Meet with your doctor and consider having a physical done to determine if this is the doctor for you and your family.
Choosing a hospital
When you undergo treatment in a hospital or other institution, request that the services are provided by network providers. Your doctor can decide what is appropriate for hospital care, but you can always check the rating of the California HealthCare Foundation www.calqualitycare.org visit the hospital.
This guide for individual health insurance is far from complete. For more information and a complete glossary of insurance terms and other market information, visit www.healthcare.gov.
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maximum prevention services out of pocket, understand their health insurance individual options can be a confusing and frustrating task. A health insurance agent is one of your best resources for information on coverage that meets their unique needs.
This article originally appeared on the blog illness insurance Navigate.
As agents covered insurance certificates in California, we can help you navigate through this complex process. Contact insurance illness today (925) 788-6824 to discuss your health insurance options. We hope to serve you!
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