California Health Insurance and California Life Insurance Quotes

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Get an Instant Quote on California Health Insurance and Apply Online

Matts California Health Insurance Services offers all California residence free instant California health insurance quotes from all the top rated California Health Insurance Carriers. Once you click the “Instant Quote” you will be taken to our powerful California Health Insurance Quoting system where you will be able to compare several California health insurance plans side by side. And that’s not all. We have access to every carrier’s most up to date PPO Network list so that you can be sure that the doctors, hospitals and specialist you want to see are part of the plan you choose. When you’re ready to get started you can use our secure carrier direct links to apply for health insurance online.

Submitting a California Health Insurance Application

Here are a few guidelines and things to remember when submitting an application for health insurance.

• Underwriters make the final decision to either accept or decline the California health insurance application. Coverage is guaranteed (except for HIPPA or MRMIP)

• Affective dates for California Health insurance is either the 1st of the month or the 15th of the month for PPO and HSA coverage. The effective date for HMO coverage is the 1st of the month.

• California health insurance applications must be completed in either blue or black ink and must be signed by the applicant or legal guardian in blue or black ink.

• The California health insurance application must be received by the health insurance company no later than 30 days of the signature date.

• All applications must be filled out in full. If any of the health questions are answered yes the applicant must provide information on the specifics of why the question was marked yes. i.e. the dates of treatment, who was seen, name address and phone numbers of doctors seen and if the applicant is still under treatment. The applicant must also list any prescriptions that the application asks for specifics about.

Do not lie on your application! Any omissions or misstatements could result in future claims being denied and the policy could be rescinded all the way back to the original effective date.

• California health insurance companies require that the first month’s premium be sent in with the application in the form of a check or credit card number.

When applying for Individual, Child or Family California Health Insurance the applicant must meet the following requirements:

• The health insurance applicant must be a permanent and legal resident in the state of California

• If the health insurance applicant is not a citizen of the United States, proof of residency must be provided in the form of, proof of employment in the U.S. for the past 6 months, Proof in the form of mortgage or rent receipts for the past six months, Utility bills in the applicants name from the past six months, Medical records that document treatment or residency in the U.S. for the past 6 months.

• For individual and family plans all applicants must be under 65

• Must not be eligible for Medicare part A and/or part B

• For applicants under the age of 18, the California health insurance application must be signed by either the applicants’ parent or legal guardian

For Family Health Insurance coverage:

• Spouses must be legally married, Domestic Partners must have a legal domestic partnership registered with the state of California filed with the Secretary of State at the time the California Health Insurance application is filled out, and the following conditions apply:
  1. Both applicants must live at the same residence
  2. Neither applicant can be married to someone else
  3. Nether applicant can be a member of another domestic partnership
  4. The two applicants claiming domestic partnership cannot be blood related
  5. applicants must be over the age of 18

• Both persons applying for California Health insurance and claiming domestic partnership must be capable of consenting to the domestic partnership

To be eligible for any California health insurance policy the applicant, spouse, domestic partner, dependent(s) or child must meet the underwriting requirements of the California health insurance company for coverage.

Paying for your California Health Insurance Policy

Most California Health Insurance Companies offer several premium payment options.

• Automatic Bank Draft – Payment are automatically withdrawn from your bank account each month.

• Monthly billing – The insurance company sends you a bill each month and you write a check and send it in. Not all California Health Insurance Carriers offer this option.

• Bi Monthly or Quarterly Billing – The insurance company send you a paper bill every other month for Bi Monthly or if you choose Quarterly you are billed once every three months.

• Credit Card Billing – This option lets you charge your health insurance premium on either a credit card or debit card. The card is billed each month.

Common Reasons an Application would be delayed

• Application was sent in without the first months premium

• Application was not signed

• Not all the health questions are answered

• A question that was answered yes was not given details as to why it was answered yes

• Height and Weight missing

• Date of birth missing

The Bottom Line on California Health Insurance

California Health Insurance for individuals, families and children are all fully underwritten. Some applicants will be turned down for coverage. Some California health insurance companies do offer coverage at a 20 or 50 percent rate in premium with no change in the benefits for the plan applied for. If you do get a rated policy it is very important that you accept the offer. Get the coverage in force and then you can shop around at other carriers if you want. Remember! Accept the rated plan. Get a policy issued then shop around. If you do not accept the rated up plan you may not be able to get coverage at another carrier and then you will have no coverage.

Once you have coverage keep it. Your health insurance helps you stay healthy and pays for any unforeseen large medical bills. Our health is our most important asset. California health insurance helps us live longer better live by making health care accessible. So get covered and stay covered.

Matt's Health Insurance Services 2009 - California License #0B51503