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Southern California Health Insurance

A Southern California health insurance plan can be obtained through your employer who will pay a portion or all of your monthly premiums to cover the medical bills and pay for the medical care. In case you have lost your job, thus, your Southern California health insurance plan, you can apply to COBRA (Consolidated Omnibus Budget Reconciliation Act) which will temporarily continue your employer-sponsored plan paying the premiums which your workplace used to pay. COBRA method of insurance provides health coverage in case you have some serious health problems. If you are a healthy person then you can acquire an individual policy which will be more cost effective than the COBRA alternative to health insurance.

Southern California health insurance can be obtained through government assistance health programs. They are available for people who live at the poverty level or below it by paying a portion of the premiums that come with a traditional health insurance plan.

The people who do not qualify for government-sponsored plans can apply to Health Maintenance Organizations (HMOs) which will offer them medical insurance policies. HMOs are typically less expensive than other types of health plans but they put forward certain requirements to be met by the insurance applicants. The plan members must seek services from doctors and hospitals within the plan’s network. Besides, there must be selected a physician through whom all the services will be coordinated like referrals to specialists, requests for procedures and hospitalizations. HMOs in Southern California include Kaiser Permanente, Anthem Blue Cross, Aetna, Cigna. An individual can receive all the information about the insurance plans via the websites of the HMO insurers which show each plan’s premiums, deductibles, copays and co-insurance.

In case Southern California residents have certain complaints against their HMOs, they can file a complaint with their plan which has to be responded to and resolved within 30 days according to the state regulations.

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