here are five basic kinds but you will pay less
of health insurance plans out-of-pocket expenses if you
that are covered in choose a doctor or facility
California. Of course, you’ll included in the PPO network. PPOs
want to purchase the plan that are regulated by either the CDI
meets your cost, services, and or the Department of Managed
quality standards. In other Health Care (DMHC).
words, you should choose a plan
that you can afford, one that The third kind of health
offers the services you need, and insurance in California is a
one that has the reputation of Health Maintenance Organization,
offering quality care and or an HMO. With an HMO, you must
services. choose doctors or health care
facilities that are included in
The first kind of health the HMO. An HMO is regulated by
insurance in California is an the DMHC.
Indemnity Policy. This kind of
policy usually offers you the The fourth kind of health
freedom of choosing the doctor or insurance in California is the
health care facility you want, Self-Insured Health Pplan. Many
and is regulated by the large organizations or businesses
California Department of choose to go with self-insured
Insurance (CDI). plans, in which there is a large
sum of money set aside for the
The second kind of health purpose of paying medical costs
insurance in California is the of the policy holders.
Preferred Provider Organization, Self-insured health plans are
or the PPO. With a PPO, you can usually regulated by the Employee
see an out-of-network doctor or Retirement Income Security Act,
visit an out-of-network facility, or the ERISA.
associations (industry, trade,
The fifth, and last, kind of professional, etc.) create
health insurance in California is accounts which pay for the health
the Multiple Employer Welfare care benefits. Issues with this
Arrangement. With a multiple kind of insurance are handled by
employer welfare arrangement, the CDI.
employers who are members of
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