Wednesday, 27 February 2008

California's Health Insurance Laws

By Thomas Henry

Today medical treatments, therapies and medicines are much needed for every one of us, due to the kind of work and busy schedules that a person follows and that create a lot of stress. Improper lifestyles, environmental conditions, lack of exercise, stress and genetic disorders are some of the few factors that lead to sickness and physical disorders. Most of the people may think that investing lot of money on the health insurance is not at all useful. But many of them don't know that the advantages of a good medical policy. Health insurance law varies from state to state and mainly to regulate the practices of the insurance provider of each and every state. One of the excellent insurance policies is California Health Insurance Company, They provide excellent features and very strict in rules wise. It is very important for us to take the right step in right way.

There are some health insurance acts that is compulsory for the organization to provide insurance to their employees, if there are more number of employees. But some of the employees may not want to have this plan rather they go for COBRA plan (Consolidated Omnibus Budget Reconciliation Act) to get benefits for the people who loose their plans. It is much costlier for the group health insurance plan, but it is very much cheaper for the individual health insurance. This plan also covers for the retire persons.

As there are increasing number of uninsured in California because of the great immigration flow in the state. And due to this the California Health Insurance Act was introduced in 2003 to provide the insurance to many employees as possible and also for their family members.

And in 2005 to provide the people in that state with cheap health insurance coverage, the California Health Insurance Reliability Act, (CHIRA) was passed. This helped a lot of people from the lower-income groups. And in 1996 The Health Insurance Portability and Accountability Act (HIPAA) was passed by the California state to see that in case of termination or change of job, the employee's and their families insurance coverage still remains intact.

All the important information regarding health insurance laws of California are provided to the common people by the State Health Department of California.

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