Athem Blue Cross Offering Two New Health Insurance Plans in California

Anthem Blue Cross Life and Health Insurance Company is responding to the national health care crisis by offering two new affordable health insurance plans for California residents. The two new plans will be rolled out in early 2010, providing low-cost health insurance alternatives for the many Californians who either don't have health insurance or who have health insurance plans that they are struggling to afford. The first of Anthem's new health plans - CoreGuard - will become available on January 1, 2010.




Athem Blue Cross Offering Two New Health Insurance Plans in California

Anthem Blue Cross Life and Health Insurance Company is responding to the national health care crisis by offering two new affordable health insurance plans for California residents. The two new plans will be rolled out in early 2010, providing low-cost health insurance alternatives for the many Californians who either don't have health insurance or who have health insurance plans that they are struggling to afford.

The first of Anthem's new health plans - CoreGuard - will become available on January 1, 2010. CoreGuard is a PPO plan that provides tax deductible options and prescription drug coverage. Most importantly for many California residents: the monthly premiums for CoreGuard will start at "prices to meet just about every budget," noted one California insurance agent.

As an example of the low-cost rates for the CoreGuard plan, the monthly premium for a male under the age of 40 is expected to be about $75 per month. However, as with most healthcare plans, participants will need to meet a deductible in order to receive coverage. Participants can select from a wide range of annual deductible amount and rate combinations to select the one that best for their budgets and healthcare needs.

The second of Anthem's new affordable California health plans is ClearProtection. ClearProtection will launch on February 1, 2010 and is designed to provide a wide range of benefits, but still offer first-dollar coverage. A male under the age of 40 will have a monthly deductible of about $69. ClearProtection is being touted as the PPO health plan with the lowest rates of all of the Anthem PPO health plans.

Blue Cross of California has one of the largest networks of healthcare providers throughout the state of California, which includes more than 50,000 doctors and almost 400 hospitals accepting PPO insurance. Anthem's health insurance plans also travel with participants across the country, helping to ensure that even if California plan holders leave the state, they will still be covered.

In addition to the basic healthcare coverage provided by these two new Anthem PPO plans, participants can also select from optional coverage for healthcare needs such as dental and term life.

Anthem's NextRX delivers prescription medications to California residents through the mail

The two new health insurance programs from Anthem may be the newest additions to Anthem's health care program line-up, but they fall into line with a whole host of helpful healthcare services offered to California residents by Anthem.

The NextRX program is Anthem's preferred mail service pharmacy, which is available to Anthem members who taken maintenance medications on a regular basis. Many of the medications that qualify as maintenance medications include drugs that are used to treat heart disease, diabetes, depression, allergies, and even oral contraceptives.

When California residents enroll in the NextRX program by December 31, 2009, Anthem will waive the first co-pay for each generic prescription that participants transfer to NextRX.

Anthem also offers state health programs

In addition to the two new affordable health insurance plans offered by Anthem for California residents, Anthem also offers California state health programs, including Medi-Cal, Healthy Families, MRMIP, AIM, CMSP, and Telemedicine. Here's an overview of each of these different California healthcare programs:

Medi-Cal is California's Medicaid Program, which is available at no cost for individuals and families who meet certain low-income or other qualifications.

The Healthy Families Program is a low-cost managed care coverage program for children who live in households with financial situations that make them ineligible for the Medi-Cal Program.

The MRMIP program (California Major Risk Medical Insurance Program) is a health insurance plan that is available for Californians who cannot obtain health coverage in the individual health insurance market.

AIM is the low-cost manage care coverage available for infants and their mothers who have family incomes too high for Medi-Cal coverage.

CMSP is a program that provides medical, dental, and vision services for eligible low-income adults who live primarily in one of 34 rural communities who are also not eligible for the Medi-Cal program.

Finally, the Anthem Blue Cross Telemedicine Program provides access to specialized healthcare for rural Californians.

For more information about Anthem's CoreGuard and ClearProtection PPO health insurance plans, consumers should speak with a health insurance specialist who can explain the specific details of each different coverage option and type of plan. Also, in addition to Anthem's health plans, California residents can select their insurance plans from a wide variety of other insurance carriers that service the state. A California insurance specialist can help California residents to sift through all of the available insurance options to find the right plan for their specific healthcare needs.

By Wiley Long - President, eCAHealthinsurance.com - California's leading independent online health insurance agency specializing in individual and family California Health Insurance plans. Get an online California Health Insurance quote, compare plans, apply online, and Save!

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Get California Health Insurance Quotes

In case you are planning to go in for health insurance plan, you will need to locate California health insurance quotes.




Get California Health Insurance Quotes

As a citizen of California do you need a health insurance plan for yourself?

In case you are planning to go in for health insurance plan, you will need to locate California health insurance quotes. It is often needed to buy yourself a good deal when you are looking for securing a health insurance on a budget. This quote gives an idea on the current rate of payment for health insurance.

California health insurance quotes are a good way of seeing the options available for you that falls within your budget. If you are still wondering about the real need to go about it, except for the reason that you will come to know how much you have to pay for health insurance is not the only criteria. There are other more important reasons that help you actually get a California health insurance quotes. When you request California health insurance quotes, you come to know how much its going to cost you to pay for health insurance.

However requesting multiple quotes from different companies helps you save a considerable amount of money, as when you compare and buy, you get a good deal. It gives the option of choosing the lowest costing insurance coverage plans. Several California health insurance quotes from various health insurance companies or their medical insurance gives you a wide selection of ranges to choose from. You can save money from choosing the health insurance that suits your needs and family budget by taking the insurance quote.

Another reason why you should start requesting California health insurance quotes is because they can be had easily, with a number of different options available. Generally all companies operate differently but you will see that you will get California health insurance quote online or can be asked for over the phone. Another advantage of requesting the California heath insurance quotes are availed free of charge. All you need to do is to fill the form about your requirements and then the company will send you the needed quotes as is easy and essential too.

Getting California health insurance is the first step to getting a health insurance policy. Good deals start everyday and the best way to go about is to compare and choose. Sometimes, if you talk to them you can avail a good discount too. California health insurance quotes are the best way to save money and get your life safe and secure, with a policy that will provide you with financial relief.

Anita Choudhary has been freelancing and writing for over 4 years and can be contacted at anita22_ch@yahoo.co.in for any kind of writing assignments.

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California Temporary Health Insurance

It has become extremely essential to have a health insurance policy to sustain the rising costs of medical treatments. Sometimes, it becomes necessary for individuals to arrange a large amount of cash urgently in case of emergency operations. Health insurance policies offer financial relief to the individuals in the event of any physical disorder or ailment. The financial aid will depend on the type of coverage offered, as the insurance policies range from minimal coverage policies to all-inclusive policies. Declining health standards and the need for a quality health insurance has led to a large number of insurance companies offering health insurance policies at competitive rates in California. There are several types of health insurance plans designed to suit individual needs. The main types of insurance include, fee for service insurance, managed care plans, and indemnity plan. A temporary health insurance is a short term insurance plan that is required for specific purposes.




California Temporary Health Insurance

It has become extremely essential to have a health insurance policy to sustain the rising costs of medical treatments. Sometimes, it becomes necessary for individuals to arrange a large amount of cash urgently in case of emergency operations. Health insurance policies offer financial relief to the individuals in the event of any physical disorder or ailment. The financial aid will depend on the type of coverage offered, as the insurance policies range from minimal coverage policies to all-inclusive policies. Declining health standards and the need for a quality health insurance has led to a large number of insurance companies offering health insurance policies at competitive rates in California. There are several types of health insurance plans designed to suit individual needs. The main types of insurance include, fee for service insurance, managed care plans, and indemnity plan. A temporary health insurance is a short term insurance plan that is required for specific purposes.

Generally, the employers in a company provide the employees with a health insurance plan. However, temporary health insurance is required when an individual has to change a job, as the earlier policy may be discontinued after a few months. Many business owners who are planning to expand their business later opt for temporary health insurance. After expanding the business, they usually take up a group insurance policy. The temporary insurance offers temporary protection to individuals during these periods. A temporary health insurance can also include the families of individuals participating in the plan. Generally, temporary insurance policies are offered for one to six months. Though, these policies are usually not renewed, individuals are allowed to opt for a similar policy again after the expiry of the previous policy.

Most insurance providers require only 24 hours to activate a temporary health insurance policy after receiving the application. An individual can also postpone the date of activation of the policy up to 30 days from the date of application. Some insurance providers charge a processing fee for this form of insurance. It is easier to get a temporary health insurance policy.

Temporary health insurance not including pre-existing medical conditions, vision and dental treatment, medical check-up, preventive maintenance, and immunization.

California Health Insurance provides detailed information on California Health Insurance, California Health Insurance Quotes, California Health Insurance Plans, California Health Insurance<</a>/a> Policies and more. California Health Insurance is affiliated with Arizona Health Insurance Quotes.

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How to Get the Best Rates on Health Insurance in California

Most people never give a second thought to whether or not they have health insurance unless they become ill. This is particularly true of young people who often view themselves as invincible. The problem is that no one is, and a serious and life-threatening illness can strike at just about any time.




How </a>to Get the Best Rates on Health Insurance in California

Most people never give a second thought to whether or not they have health insurance unless they become ill. This is particularly true of young people who often view themselves as invincible. The problem is that no one is, and a serious and life-threatening illness can strike at just about any time.

The California Department of Insurance can offer information to residents looking for health insurance. They can't however, offer advice on which company is best suited for a particular individual's insurance needs. This is why it's so important for anyone considering coverage to research several companies and ask for quotes before making a final decision.

For someone who is young and hasn't really ever suffered any medical problems beyond the occasional broken bone or head cold, health insurance can seem like a foreign entity. This is ironic in that the best time to buy individual health insurance is when a person is young. This will often generate the lowest rates and if they stay with one company over time, the insured is likely to enjoy renewal discounts.

Deciding what coverage you need is the first step when looking for a policy. If you have a family history of a particular illness such as cardiac problems or cancer, you may want a policy that will provide critical care coverage. If you are dependent on your income on a week-to-week basis, than disability coverage is a must as you will need the coverage to help you pay your bills should you suddenly become ill.

Young people who are parents will have special considerations as children also need eye and dental care in addition to doctor and hospital coverage. A good and experienced insurance agent will work with each individual to produce a policy that is tailored to their medical needs and their budget. This is the real direction of development, when for the most preferential prices to see you get your insurance coverage at reasonable prices needs.

My recommended sites here:

Lowest Rate Health Insurance Quotes in California

Instant Health Insurance Quotes [http://www.easymedinsurance.com]

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Employer-Sponsored Health Insurance in California

Insurance is the present day need of the modern society.Employer-sponsored health insurance is one amongst the insurance schemes in which the employees' are benefited. It ensures that the employee's health is protected and the employee avails a sustainable growth.




Employer-Sponsored Health Insurance in California

Insurance is the present day need of the modern society. Employer-sponsored health insurance is one amongst the insurance schemes in which the employees' are benefited. It ensures that the employee's health is protected and the employee avails a sustainable growth. A common reason why the scheme is being offered is on a general concern of the employees' and their families' health and welfare, employee productivity, retention and recruitment. On an average, the average cost of insurance that an employee avails is three thousand dollars a year.

Any small business, defined as 2 to 50 employees, must be offered the similar health insurance for small businesses that is offered to all other small businesses. It is impossible to deny coverage to any concern that paid their first, doing business for at least two months, providing coverage for all employees, including part-time employees. It is also the responsibility of the insurance company to inform the minimal number of employees allowed for a plan, so that they have the right to withdraw the amount. The insurance maybe cancelled if the minimal number of employees did not participate.

Any employee avails insurance based on his average age and location. The employer sponsored plans were forced to increase their premiums to keep up with these increasing costs, and there was only so much of it that could be passed on to the employee. The benefit the health insurance expected is closely related with the status of the employee. The unions in companies mandated that health insurance should be provided, while there was no demand from non union companies. This lead to a bad speculation about those companies among the employees. So, employers were forced to offer this as they had to struggle for the best employees. Plans have also been proposed by politicians that would make employers mandatory to offer insurance plans for their employees or to contribute to national plan on a whole that would be modeled after Medicare without any age limitations.

A recent survey found that nearly half of the small business employers in California don't provide health insurance for their employees. Adding to this, according to a study released by the University of California-Los Angeles, Center for Health Policy Research, there is a decline in the employer-sponsored health insurance coverage scheme from 56.4% in 2001 to 54.3% in 2005,Los Angeles Times dated 11/07/07.The report also stated that 80% of the uninsured employees either work for employers who did not offer them the health insurance scheme, or were not entitled to receive the health benefits. Even more drastic was 20% did not even enroll them in the available insurance plans.

The study also further reported the increase in the premium family coverage by 66% through employer-sponsored plans from 2001 to 2005.Although there was a significant amount of residents availing the benefit of employer-based coverage proportion of Californians who have not insured declined from 21.9% in 2001 to 20% in 2005. The study features the decline to enrollment increases in medicals, the state's Medicaid program; Healthy-Families; and county-based insurance programs. According to Times, about one in three California children are insured through such programs. The report also stated that 63% of uninsured Californians were U.S. citizens, 15% non citizens having green cards and 22%of the states' uninsured residents were undocumented immigrants.

Also on the same day the Center on Policy Initiatives released a report stating that about 8.7 million of California's 17.3 million adult workers do not have employer-based health insurance and 2.9 million do not have any insurance. According to the study, people with high wages were more likely to have the health coverage than the employees with low wages. As a major requirement, Health insurance for employees makes financial sense, as well as motivates employees, keeps them happy and reduces absenteeism.

Employer-sponsored health insurance is in crisis, only informed people shall be benefiting themselves and bring benefit to the country. It is high time all these setbacks are dealt with the perfect plan and strategy.

Sam Rosy is an expert in analyzing the insurance types especially in California and has produced lot of articles regarding the insurance types and its application.To read Rosy articles on insurance and for further details on Health insurance California, Blue Cross and Health Insurance California and Health Insurance quotes view the site http://www.goodhealthquotes.com. To Contact Sam Rosy its samrosy@gmail.com

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Getting health insurance for California residents has never been easier

With the global recession prices have soared sky high, and health care arena is no exception to this. If you still don't have health insurance cover, it is high time to start looking out for affordable health insurance plans that are benevolent. If you are a resident of California and on the lookout for lucrative insurance plans, website providing California health insurance quotes is the right place to learn more about health insurance in California.




Obtaining Health Insurance For California Residents Had Never Been So Easy

With the global recession prices have soared sky high, and health care arena is no exception to this. If you still don't have coverage, it is high time to start looking out for affordable insurance plans that are benevolent. Since you would like the health insurance to be within you means you should compare quotes form various insurance providers before you opt for one.

If you are a resident of California and on the lookout for lucrative insurance plans, website providing California health quotes is the right place to learn more about health insurance in California. There are great deals that can fit your budget, however, it requires a little research in various companies that provide coverage in California. Getting health ins. quotes from various companies will let you compare the different aspects covered under the policy and pick the right one that fits you purpose.

Although it is time consuming to obtain quotes form different companies to compare prices and coverage, it is certainly worth the time spent. By doing so, you can get the best coverage at the least of expenses. Different health companies operating in California provide health insurance quotes free of cost to their potential customers. You can obtain health insurance quotes either online or via phone. Getting soft copies through the internet is the best way to preserve them for a future comparison.

The following are some of the popular health companies that provide health cover to residents of California at highly competitive rates. Aetna, Blue Cross of California, Blue Shield of California, HealthNet, Nationwide, Pacificare, Health Savings Accounts, Medicare Supplemental Insurance, Maternity Coverage, Low Cost Options, and many more. Blue Shield of California is one of most preferred benevolent health plan provider in California.

Although insurance plans california are the best way to deal with any unexpected health problem by comparing quotes for health insurance will save you a lot of money and be of good help in time of need. With the economy going down by the day, it may become impossible to obtain quality health care without the aid of health companies. The emergence of new pandemics has also made people consider schemes that cover a wide range of ailments.

It is not always easy to find cheap health plans that fulfill your expectations. You certainly can come across one if you thoroughly research the internet on the various plans offered by different insurance companies. In case you are unable to locate cheap health insurance policy that is up to your expectations, do not just go for the available options within your budget.

The first priority should be given to the coverage lest the policy will be useless when you are in need of help. If you have found the best plan that fits your needs, you always have the option of negotiating the price of the plan with the insurance providers. Some of the health agents in California can even provide you with discounts on coverage that has a wide coverage.

By Wiley Long - President, http://www.eCAHealthinsurance.com - California's leading independent online health insurance agency specializing in individual and family California Health Insurance plans. Get an online California Health Insurance quote, compare plans, apply online, and Save!

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California Health Insurance -- For Cheaper Rates, Don't Miss These Tips

California health insurance: Everyone can enjoy high value coverage without breaking the bank. You only need the right information and the determination to implement what you'll learn to start enjoying a better rate. Below are a few steps that will help you achieve this goal...




California Health Insurance -- For Cheaper Rates, Don't Miss These Tips

California health insurance: Everyone can enjoy high value coverage without breaking the bank. You only need the right information and the determination to implement what you'll learn to start enjoying a better rate. Below are a few steps that will help you achieve this goal...

1. In most cases these regular medical check ups won't cost you a dime more as most health insurance plans would likely have up to two free medical check ups for you each year. Why do check-ups result in savings?

Since their early stages of disease by making these checks are discovered, much easier to charge from the beginning has nipped. It costs your insurer less to do this than to treat diseases when they are malignant.

2. You can reduce your costs by opting for an HMO. HMOs offer coverage that is cheaper than traditional health insurance. You must know that with the lower rate also come restrictions in the hospitals and health care professionals you can use.

For those who want limitless choices in who and where to get health care, a traditional health insurance plan is still your best bet. All you'll have to do is shop extensively for the cheap rate for normal health insurance. That's how you would be able to get cheaper rates for standard health insurance. However, if you are willing to accept the restrictions, you will pay cheaper rates with an HMO.

3. For people who are self employed, your premiums may be tax-deductible. If your employer offers a flexible spending account then might entitle you to a tax break. This means that you'll do well to discuss this with your tax professional. This will help you determine what will give you a tax break and what won't.

4. Beside the fact that you are putting your life at risk, using banned or yet-to-be-approved drugs will increase you rates. Misusing drugs also will make you pay much more in health insurance. In addition, stay away from self-medication for both its grave implications and the fact that it will increase your rates.

5. How much can you contribute to payments for your visits to a doctor? This is known as your co-pay. Your rate will be cheaper if you choose a higher co-pay. You're seriously encouraged to choose a high co-pay if you visit your doctor only once in a very long period.

I've prepared a free but high value 21-day ecourse that will show you over 120 sure-fire ways to cut down your insurance rates. Sign up for it here...

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As always, you can cut down your rates now by getting quotes here...

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Chimezirim Odimba writes on insurance.

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