Individual Benefits
Medical
1) Short
Term Temporary Medical Insurance Plans for an Individual or
Family
Short Term Temporary
Medical Insurance Plans allow you to secure coverage almost
immediately. Usually 12:01 A.M. after the day your completed
application and payment is postmarked. There are various plan
designs available from $250 Deductible to $2000 deductible
plans. There are also two types of temporary plans. One plan
type requires that you set the amount of time you desire to
be covered, 30 to 180 days at the time of application. Another
plan type allows you to continue your coverage month to month
for up to a year. Short Term Plans come into play when you
are in-between jobs, in the waiting period at a new job, or
when a child loses coverage under a parents group plan for
one reason or another and is trying to determine what their
next step will be.
2) Permanent Individual
or Family Medical Insurance Plans
Permanent or
Family Medical Plans are available to persons that can qualify
for coverage after going through a medical underwritten application
process. There are various plan designs available, from $250,
all the way up to $5000 deductibles. There are HMO, PPO and
Standard Indemnity plans for you to select from. In
California the main providers are Blue Cross, Blue Shield,
Kaiser, Nationwide and HealthNet.
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