You could have just completed an online form requesting a free health insurance quote and occasions later you are being inundated with cellphone calls from insurance real estate agents hoping to get your business. Do not become stressed or annoyed by these “pesky sales people” because they are really not telemarketers. Most of them are well-trained state accredited professionals that can really help you make a good decision regarding which health plan is best and most affordable for your individual or group coverage needs.

You may be under the misunderstanding that if you buy your health plan directly from the insurance company, and cut out the “middle person”, you will save money. This is not the case. In simple fact, insurance companies rely on agents for almost all of their business and that’s why they pay them commissions for bringing in customers. It does not cost you a consumer one penny more to use a qualified California medical health insurance agent to obtain their coverage.

There are many distinctions between California health insurance and other states including how it is applied for.

For instance, while Blue Cross and Green Shield are one company in other states, throughout California, each is distinct and applied to independently as Anthem Blue Mix of California and Green Shield of California.

Cal health insurance law ABDOMINAL 1672 is a marked improvement over the federal HIPAA rules that covers all claims in that it includes the following for Washington dc group coverage:

1 ) Individuals with pre-existing medical conditions may change over to a new group health plan without an exclusionary period.

2. That allows small businesses and professional organizations to have access to health ideas providing they have between 2 and 50 full time employees.

3. This keeps insurance costs from climbing after a lay claim is filed.

4. Staff who have health problems may change jobs or health plans without being rated higher for achieveing pre-existing conditions.

That said, the most effective health insurance agent for your own personal and business needs is an “Independent Agent. inch Why? Because they signify multiple insurance carriers, not simply one. An independent agent can help you find the most appropriate cost-effective plan offering the most benefits for your dollar as available from the main service providers, rather than feeding you just one company’s brand of health plans which might not exactly suit your particular needs. So many people are too complacent and accept what their current insurance provider has to offer. They will could use a good independent agent to form through the many programs available from multiple insurance carriers to find and provide the best option of options.

Another misunderstanding you may have is that insurance agents set the high grade rates for the health insurance plans that they sell. Thinking if you check around you may get an improved price for the similar plan. Premium rates depend on your age, go code or county in which you reside and are handled completely by the insurance companies. Every single agent uses the exact same rate guides arranged by the insurance companies. The condition of your health may affect your premium, which may be rated up after the insurance company’s underwriting division has reviewed your medical records. Again, the insurance company, not the agent, determines that outcome.