California Medical Insurance – Child Only Plans

Finding the best insurance plan for the whole family may seem like a daunting task, with the variety of different private plans that are available today. In terms of California medical insurance, many are turning to child only plans to serve the specific needs that their children have. Although healthy adults can go for longer periods of time without needing anything other than emergency coverage, children need regular medical care and annual checkups to make sure that they are growing properly and to help detect any problems before they blossom into a full blown health issue.

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<h1>California Medical Insurance – Child Only Plans</h1> <p><strong>By: <a href="http://www.articlesbase.com/authors/adam-sepulveda/398252" title="Adam Sepulveda's Articles">Adam Sepulveda</a></strong><p> <!--articlecontent--> <p><strong>About the Author</strong></p> <p><p>Adam Sepulveda</p> <p>Adam Sepulveda is the owner of Fresno Health Insurance Services a leading resource in <a href="http://www.fresnohealthbenefits.com/" title="California Medical Insurance">California Medical Insurance</a>. Get <a href="http://fresnohealthbenefits.com/blog/" title="California Medical Insurance">California Medical Insurance </a>quotes Today!</p></p> <p class="tracker">(ArticlesBase SC #3782521)</p> <p>Article Source: <a href="http://www.articlesbase.com/">http://www.articlesbase.com/</a> - <a href="http://www.articlesbase.com/insurance-articles/california-medical-insurance-child-only-plans-3782521.html" title="California Medical Insurance – Child Only Plans">California Medical Insurance – Child Only Plans</a></p>

To get started with the process of applying for child only plans in the state of California, you should first compare a side by side analysis of the different options that are out there. Managed health care programs are often recommended for children's health care needs, because they offer consistent access to doctors without paying high fees for each visit. A lower co-pay amount is often a better idea, because children make more frequent trips to the doctor for common childhood infections, diseases, and regular checkups. With other types of California medical insurance, the out of pocket costs could be higher.

However, these are not always child only plans, so that is something to specifically ask about if you are planning to use separate California medical insurance for yourself. If you have the need to visit specialists for your own health needs, for example, but your child needs a more general coverage, it makes sense to try and use two separate plans rather than one more expensive family plan. That will not always be the case. It's difficult to tell which plan or combination of plans will be the most cost effective and comprehensive until you have taken a close look at the various features that each one has.

To help cut through the technical language that accompanies many California medical insurance plans, including those child only plans, seeking the assistance of a qualified insurance agent is highly recommended. He or she can help lay out the various features of these plans in a format that is more visual, so that you can see what exactly it is that you are paying for, and how this could impact your children in various scenarios. Not all plans will allow this, so if it is really child only insurance that you seek, you must be willing to put in a bit of time and research.

Health Insurance for the Self Employed

You are thinking about going to work for yourself. By being self employed, you don’t have to put up with that unreasonable boss, you can set your own effective work schedule, you will work for someone who appreciates you and you know you can do the job required more efficiently.

You have not entered into this phase of your life lightly and you have done your homework. Part of your education and research reveals the available tax benefits and the maximizing of your retirement plan through a SEP.

However, not working for somebody puts the responsibility of a personal health insurance plan squarely upon your shoulders. There are a number of options that your can explore in looking for health insurance. Some of these options include COBRA coverage, being listed as a dependent on your spouse’s insurance, joining an association or arranging for your own individual health plan.

COBRA Coverage

When leaving your job, a temporary option in acquiring health insurance would be COBRA. COBRA is an acronym for Consolidated Omnibus Budget Reconciliation Act and is a federal law requiring companies of 20 or more employees to extend the company’s medical coverage to departing employees. This insurance is paid into by the departing employee for medical coverage for up to 18 months.

This health insurance typically costs more due to the fact that payment of the full premium is incurred by the departing employee plus administrative fees. Generally, COBRA is a good option if there are ongoing health matters. This is due to the fact that you cannot be disqualified for any existing medical conditions. After the 18 months of COBRA coverage, continuation in the same insurance plan, at the individual premium, can continue.

Dependent Coverage

Another option would be inclusion on a spouse’s health insurance coverage. Often this option is less expensive than COBRA because of the benefit of using a company’s buying power for their employees. Additionally, some companies offer domestic partner insurance for their employees.

Association Coverage

Another viable option of attaining quality and less expensive health insurance is by taking advantage of your membership in an association. Often, more affordable health insurance coverage is brokered by associations. These associations could be professional or trade groups, or through college alumni associations if you are a college graduate. Exploring these possibilities can be accomplished by asking other self employed individuals, the small business association or through your local Chamber of Commerce.

Individual Plan

There are many health insurance plans suited to meet the individual. These plans and premiums are as diverse as the needs of those looking for health insurance. The variations of these plans include the cost itself for the insurance, prescription costs and benefits and deductibles. Additionally, plans can be purchased that are geared towards a specific number of months needed for coverage.

The best option in shopping for health insurance is to search the Internet. Your findings will not only provide you quotes and the details of each plan, but, in searching, you may discover dissatisfaction comments from customers who have posted their experience in dealing with a particular health insurance company.

Life Insurance Policy To Protect You All Life Long!

A long time ago, life insurance was used as a way to help save money for future usage in funeral expenses, and to help the family of the deceased. This was however only limited to “burial club” members in the Roman Empire. But now in the 21st century, life insurance policy covers not only after-death support, but for almost all other expenses as well.

This type of insurance coverage was contemporarily introduced into the public access in the late seventeenth century. Since then, this trend has become very popular, and in fact is one of the most common ways to protect oneself financially.

Common Benefits

Some famous usages of this life insurance policy is to cover death benefits such as funeral costs, mortgages payments, replace the lost income that the deceased’s family misses, to pay estate taxes, retirement benefits, and many more.

How does it Work?

Basically there are three parties in the life insurance policy agreement; the insurer or the insurance company, the insured individual, and the beneficiary. Normally the insured individual and the policyholder are the same person, but the important party to the contract is the beneficiary, who would receive the insurance proceeds after the death of the insured party.
Under a life insurance policy, the insured party pays a regular premium to the insurer or the company, in exchange for a guarantee of specified insurance proceeds payable to their family or the nearest kin upon his or her death.
Varieties

Life insurance policy is generally divided into two different classes; term life insurance and permanent life insurance.

Term life insurance is the basic form of life insurance policy. The word ‘term’ would clearly explain this policy’s function; to provide coverage for a certain period of time, such as 5, 10, 20 or even 30 years as specified by the insured. This policy protects the family as well as the insured party by providing money that they can invest to replace their salary after their death. In short, this policy is a pure life insurance policy with no cash value account.

Permanent insurance, on the other hand, would remain active till the policy matures. This policy, unlike term life insurance policy, has a cash value account, and generally has a premium payment more than term insurances. There are four types of permanent life insurance policy, which are whole life assurance, universal life assurance, limited pay-off assurance, and the endowment insurance.