Health insurance can be confusing - do you get a high deductible plan, low co-insurance, an HSA eligible plan, what about co-pays and pre-existing conditions - what are the best options!?!? YourVirtualBenefits.com is licensed in California to offer health, life, accident, critical illness and medicare supplements to California residents.
There are many top carriers in California for health insurance - but which one is the best for your budget, your needs, your future and your family. It costs you nothing extra to have your own Virtual Benefits Department helping you with your selection - so contact us today!
Help for Health Insurance for California from us!
It costs you NOTHING to get assistance in selecting your healthcare coverage! We are paid directly from the carriers - and there is no change in the monthly premiums or the application fees (if applicable). It makes sense to have somebody on your side helping you cut through all the options!
Why get Health Insurance for California?
Health insurance affords you to get regular checkups from your California doctors - so you can become aware of major health problems - early detection is critical with many diseases.
- Keeps your family safe - children are especially prone to illnesses, broken bones and have a need for vaccinations. Children receive better medical care when you have a good medical policy protecting them.
- Studies have shown that those with health insurance have a 25% better mortality rates than those without insurance. So bottom line - you have a better chance of LIVING if you have health insurance!*
Health Insurance for California and Healthcare Reform
Most Healthcare Reform proposals will not take affect until 2014. Once the law takes effect on 1/1/2014 here is what will happen:
- Insurance companies will not be able to refuse coverage for pre-existing conditions. Effective immediately, if you've been denied coverage due to a pre-existing condition or you've been without insurance for at least 6 months - you may qualify to buy health insurance.
- You will be able to buy insurance on state-based health insurance exchanges. But keep in mind, it will still be many of the same carriers YourVirtualBenefits.com currently offers that will be on the exchanges - there will not be government run healthcare plans.
- You will be required to have health insurance of you'll have to pay a tax penalty. The penalty will be $695 per year up to a max of $2,085 per family or 2.5% of household income. The penalty will be phased in gradually over 3 years.
- You won't get "FREE" health insurance - subsidized insurance will be available for low income families.
- Effective July 1, 2010 if you have been uninsured for at least 6 months, have problems getting health insurance because of a pre-existing condition and are a citizen of the United States you may be eligible for a Pre-Existing Condition Insurance Plan for California. Premiums are expected to be expensive - they don't have all age ranges listed - just an example of a 50 year old subscriber costing $575 in San Francisco.
*Source - Science Daily
Health Insurance Carriers Available for California:
