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Reader’s question:
What are my options when I am uninsured and living in California?
-Joe
Here’s your best option, Joe.
Contact California’s Managed Risk Medical Insurance Board.
Protecting yourself with the california state health insurance, is one of the first and most important steps that you can take. This board will have you fill out an application. Because you live in California you have the ability to apply for insurance because you do not have private insurance. You will fill out your application, have a health history taken and then the application that you have submitted will be considered.
Once your application is fully reviewed, california state health insurance will provide you four options of coverage. Based on their review you will be presented with the option or options that you qualify for.
- Private Insurance
- High Risk Insurance. This is for the individuals who are considered to be high risk based on their health history.
- Insurance that will go through associations.
- Insurance through many income eligible programs.
It is important to remember that with health insurance you never want to have coverage lapse because in that situation you can be forced to wait on the insurance. With different waiting for periods including the pre-existing condition waiting period, you can be forced to wait up to a year before getting coverage.
Nicholas
