Personal professional enrollment support is available for all of the benefit plans listed on this page. Send your question by e-mail for fast OnlineAdviser response. Limited telephone support (800) 609-0683. Office hours posted daily on Twitter @FreedomBenefits   Most Liberal Eligibility Core Health Insurance - the nation's most popular defined benefit health plans with guaranteed acceptance from US Fire Insurance Company Value 24 Hour Accident - up to $10,000 of supplemental health insurance coverage for emergency treatment of injuries at a cost of about $2 per day. Can be used as a stand-alone coverage or added to other insurance. Value Emergency Room - add $1,000 additional emergency room coverage for $1 per day for the whole family Most Affordable Secure Lite STM - the lowest priced major medical insurance for 1 to 12 months Secure Saver STM - $2 million maximum coverage for 1-12 months at an ultra-low rate Value Med Insurance - 3 question simple medical eligibility and immediate approval for supplemental doctor and hospital benefits Long Term Major Medical CeltiCare - well-known renewable individual major medical insurance for discriminating healthy applicants Celtic Basic Health Insurance - a trim version of CeltiCare at a lower price UnitedHealthcare - Golden Rule Insurance, a member of America's largest health plan Dental Insurance Secure DentalOne - one lifetime deductible of $100 and then up to $1,250 per year coverage UnitedHealthOne Dental & Vision - national PPO network of more than 73,000 providers Online Life Insurance Great Start Child Life Insurance - inexpensive permanent insurance that can be gifted by parents and grandparents Guarantee Trust term life Insurance - fast, easy and inexpensive online term insurance coverage up to $250,000 International Term Life - up to $2 million coverage issued by Lloyds online specifically for those who spend time outside of the US Simple whole life insurance - the fastest way to get affordable permanent coverage up to $50,000. Online underwriting, no exam. Smart term life insurance - up to $500,000 coverage directly online without an exam or blood test QuoteIntelligence Term life insurance - find the lowest rates, compare features & eligibility requirements and then apply online with the best insurance companies in less than 30 seconds.

California health insurance exchange More than 50 commercial health insurance companies offer individual health insurance in California and 32 companies that issue small group insurance in addition to the state-sponsored health plans for low income or disabled residents. These standard policies may be more expensive than some residents can afford. This Web page lists the most popular low cost commercial health insurance plans and related benefits. All of these policies offer secure online enrollment and professional OnlineAdviser personal enrollment support. Please note that while many of these choices could be included in more than one of the suggested usage categories, each plan is listed only once for the sake of brevity. Your enrollment adviser is available to discuss suitability of any plan for your specific situation California insurance & benefit news California ranks 26th in health insurance costs compared to all other states, with average premium costs slightly lower than the national average. (The average annual premium for a U.S. family covered under an employer-sponsored health plan in 2008 was $12,298 according to The Commonwealth Fund report. The overall quality of health care ranked 31st out of the 51 states (including DC). California regulates the benefits required for both individual major medical and group health insurance plans, known as "mandated benefits". Short Term Insurance Celtic Insurance - competitive rates from a well-known insurer Markel Smart STM - popular and affordable short term major medical insurance with fast online approval Secure STM - along with its 12 month and 36 month options, this may be the highest quality short term coverage Intermediate Term Inbound Immigrant - up to five years of liberal health insurance coverage after immigration including maternity coverage, emergency and other essential benefits Supplemental Insurance Smart Accident Insurance - supplemental coverage for emergency treatment of accidents and injuries for as little as $20 per month. Can be used as a stand-alone accident plan or to increase other insurance benefits. Value Access Guarantee - everyone qualifies for this plan that pays in addition to any other insurance California Insurance Law The California Department of Insurance Web site contains a section about protections for consumers who need to resolve claim disputes with to health insurers. The California Major Medical Insurance Program (MrMIP) is the California state high-risk pool. A 3 month waiting period applies before benefits are provided for pre-existing medical conditions. The state insurance department can be reached by telephone at 800-927-HELP or by mail at P.O. Box 311, Sacramento CA 95812. The state children's health insurance plan (CHIP) Web site is California Healthy Families. Non-insurance Discount Plans Careington PPO Discount Plans - the nation's leading network PPO discount provider allows a no-risk trial of any discount plan for only a $20 processing fee Drug Card America - a free prescription drug card that an be used nationwide Essential Dental Solutions - simple, inexpensive, no waiting period, up to $500 treatment per year Rx Pay Card - $10, $20, or $30 payments for hundreds of popular prescriptions. See International Coverage and Travel Insurance Listings

California Insurance News

2/12/2011 With dozens of health plans choices available online offering a wide range of pricing and benefits, how do you find the best combination of price and benefits? Celtic Insurance realizes that the choices can be overwhelming; the company offers more than 40 possible health plan designs in many parts of the United States. A new feature called "Help Me Choose" lets users easily and quickly select the benefits they value most and narrows the list down to a few of the best choices. No personal information is required other than zip code and date of birth.

2/3/2011 California is named as one of the states most likely to cut back on Medicaid spending and coverage. The Universal Health Insurance blog discusses the impact on the state's commercial insurance consumers.

1/30/2011 Patients with health insurance and a credit card now have access to VIP treatment when care is needed at a hospital emergency room. Tenet Healthcare hospitals joined the growing list of hospitals in southern California that allows patients to use InQuickER, a reservation system that books appointments and reduces waiting time in the emergency room. The reservation system makes check-in easier by recording your insurance and payment information in advance. The service costs $15 to $25. Of course the nature unpredictable medical emergencies mean that the service cannot absolutely guarantee that you'll be seen immediately at your appointment time, but you get a full refund if not treated within 15 minutes after arrival. The InQuickER service works in conjunction with any of the private health insurance plans listed here at FreedomBenefits.net but is not available to uninsured patients.

Partiicipating hospitals include Loma Linda University Medical Center in Loma Linda, Loma Linda University Medical Center (Children) in Loma Linda, San Antonio Community Hospital in Upland, John F. Kennedy Memorial Hospital in Indio, Fountain Valley Regional Hospital in Fountain Valley, Placentia-Linda Hospital in Placentia, Los Alamitos Medical Center in Los Alamitos, and Lakewood Regional Medical Center in Lakewood.

1/19/2011 Child-only health insurance for children with significant medical problems will be available through an open enrollment period mandated by federal state law during the months of January and February and during the child’s birth month. All children, regardless of medical condition, continue to be eligible for insurance when applying as a dependent on a parent’s policy and healthy children are eligible for child-only insurance at any time. When applying for child-only insurance for more than one child, make a separate application for each child.

1/11/2011 Consumers will apparently not be immediately affected by new emergency orders by Insurance Commissioner David Jones that threatened to disrupt the availability of insurance. We had feared that companies would stop offering coverage in the wake of the unprecedented regulations by the new regulator but that withdrawal did not happen. Aetna expressed an opinion that the state may not have the authority to override federal health reform rules on minimum loss ratio but the company will not stop offering new insurance policies. A new article "Effect of Minimum Loss Ratio Regulation" provides more information on this topic.

1/7/2011 California Blue Shield announced rate increases averaging 30%, with some as high as 59%. Our blog "A Closer look at California Blue Shield rate increases" breaks down the issue and offers suggestions on what policyholders can do about it.

12/16/2010 California Health and Human Services Agency officials met representatives of 44 other states and numerous employees of the federal Health and Human Services Department in Washington DC this week for a two-day working meeting to discuss the next steps in establish a government-run health insurance exchange under the American Health Benefit Exchange Model Act. Their attendance at this meeting was paid for by a $1 million federal grant awarded by HHS in September to the state for research how to set up an insurance exchange. Two states (Alaska and Minnesota) declined to participate, saying that it was a waste of taxpayer money. Four other states (not identified in press reports) that received federal grants did not send representatives to the meeting. Attendees included representatives of 16 states that are suing the federal government in an attempt to overturn the federal health reform law; specifically the requirement that forces individuals to buy health insurance on the insurance exchange or pay a hefty tax fine.

In its initial federal grant request for the insurance exchange project, California said that it would: 1) Establish an Exchange Board and recruit key staff, 2) Analyze the current public and private insurance markets, 3) Convene stakeholders and the general public to gather input, 4) Develop a multi-year plan for Exchange planning tasks, and 5) Collect data on the demographics of the current and projected population, profiles of insurance markets offering coverage in California and estimates of how the Affordable Care Act will change the number of uninsured Californians.

The meeting reportedly did not address the role of the commercial health insurance exchanges on the implementation of new competing government systems. The model act does not address inter-state insurance exchange proposals nor insurance sales across state lines. Federal officials admitted that they may not be able to provide further guidance until 2012. Meanwhile, most states are motivated to continue to meet requirements to obtain additional funding promised by the federal government for the establishment of insurance exchange by 2014. Freedom Benefits has previously voiced the opinion that the huge amount of money being spent to set up alternate insurance sales system technologies could be better used providing health benefits to the public. We proposed on the Universal Health Insurance blog that adequate commercial insurance sales systems are already in place that could be modified in a public/private partnership to make health insurance more affordable.

11/12/2010 One in ten Californians is now covered by a consumer-directed health plan with high deductible insurance, according to a new report issued by UCLA Health Policy Research. These plans keep health care dollars in the hands of consumers rather than in health insurance premiums and tend to appeal to healthy affluent individuals. Health reform laws could increase the mandated coverage and premium costs but legislative modifications are likely to eventually make high deductible policies the dominant preferred type of insurance coverage in the United States. California currently leads the nation with health plans at the opposite end of the coverage spectrum with almost half of Californians now enrolled in HMOs that the major health care decisions on their behalf. Nationwide, HMOs are far less popular, attracting only about 21% of Americans nationwide. Freedom Benefits Insurance Exchange is committed to offering a full range of high deductible consumer-driven health plans to replace HMOs.

11/9/2010 Medi-Cal Expansion - California's Medicaid plan now covers about 7.5 million mostly non-working state residents and will add an additional 500,000 residents by expanding program eligibility to residents with annual incomes up to 133% of the federal poverty level. In some counties the income levels are 200% of the federal poverty level. The program expansion is likely to increase complaints that the state's lower economic class receives better access to health care than the working class especially if federal funding for premium subsidies is withdrawn as expected.

9/21/2010 Rate increases for October 2010 - The California Department of Insurance approved rate increases ranging from 14% to 29% for policies from the state's four largest insurance companies that cover a large majority of those who but their own health insurance in the state. The rate increases become effective October 1, 2010 so we anticipate a larger than usual number of healthy members will attempt to move to one of the state's smaller  health insurance plans.

8/24/2010 New restrictions for CA insurance shoppers: The California Department of Insurance issued regulations effective August 23, 2010 requiring health insurance companies to thoroughly investigate the histories of those seeking insurance coverage before accepting any premiums. About 1.1 million Californians covered by individual health policies are immediately affected by the department. The rules affect those applying for coverage through the state health insurance exchange as well as those applying though traditional channels. Changing insurance plans could change from a one day process to a 90 day process. Previously insurance companies were allowed to rely on the written statements made by an applicant to determine whether the applicant was eligible for coverage. The new law requires companies to independently verify the eligibility criteria including health history, age, citizenship, residency, eligibility for an employer-sponsored health plan, and sometimes other factors.

The most difficult verification is an applicant's medical history. Federal law known as HIPAA makes it difficult, tedious and sometimes expensive to obtain medical records. Doctors and hospitals typically require pre-payment of a medical records fee ranging from $35 to $75. An applicant with multiple medical service providers could incur significant fees and delays in the record transmittal. Insurance companies are allowed to charge the insurance applicant for the cost of obtaining medical records but none of the CA insurance companies we spoke with had announced plans to raise application fees as of this date. Insurance companies have acknowledged that it will take significantly longer to underwrite a policy in California under the new rules.

Freedom Benefits is working with the Association of California Life and Health Insurance Companies to stop the new rules and bring the health insurance application process into line with that in all other states. We see no reason that California should adapt a consumer protection policy that is so different from the industry practices followed in every other state in the nation.

Meanwhile, OnlineAdviser offers these five suggestions to Californians who are shopping for health insurance:

• Do not cancel previous coverage or allow the previous coverage to expire until after the new policy has been approved, received and reviewed by you or your insurance adviser. While we understand that many consumers cannot afford to make an additional payment on their former insurance plan - especially when premiums jump sharply - it is important to be aware of the expiration date and the reinstatement deadline (usually 30 days after the expiration date) in order to ensure that the prior coverage is available as a fall-back strategy.
• Use short term medical insurance for immediate issue coverage while waiting for a new policy to be approved. Short term major medical policies are issued immediately online without the need to check medical history because these polices are exempt from the coverage provisions of pre-existing medical policies. As a result, buyers understand the limitations of this simple form of coverage and fewer disputes over claims. See the listing of short term medical insurance plans available in California on the FB exchange home page.
• Collect all of your important documents and copies of all of your personal medical records and keep a digital copy available on your home computer. While the insurer will collect its own information,
• Use limited benefit insurance like Core Health Insurance and supplemental insurance like Value Emergency Room and Value 24 Hour Accident Insurance that is exempt from the new regulations. This insurance is meant to provide benefits in addition to coverage provided by major medical plans but are sometimes used by Californians in a pinch to provide some limited coverage when other insurance is not available.
• Plan ahead for health insurance as if it is the most important part of your personal financial planning. Too many Californians have learned the hard way that lack of adequate health insurance planning can be ruinous. The new health insurance reform laws will amplify that message.

The new law was designed to prevent insurance companies from making illegal rescissions, but . Insurance companies are still allowed to cancel policies if an applicant makes an intentionally false statement on an application but also places a new burden of checking the facts in advance. So little is gained in terms of consumer protection and industry officials estimate that the new law could add up to $200 in costs to the price of an insurance policy. California insurance buyers typically change insurance companies every 2nd or 3rd year, according to Freedom Benefits data collected since 1986. A typical health insurance policy, including short term and limited benefit policies, is in force for about 13 months.

8/23/2010 State funding planned for insurance exchange: The California state legislator is considering legislation to set up a state-sponsored health insurance exchange that would provide $1 to $2 million per year to help consumers find health insurance online. Presumably a state-sponsored exchange would be able to support a wider range of health plans than the current private insurance exchanges. If approved by the state legislature, part of the cost will be subsidized by the federal government until 2014. Some consumer advocates express concerning taxpayer funds to promote the sale of health insurance yet it is possible that a state-sponsored exchange combined marketing program. The price and terms of insurance is not affected by an exchange and insurance purchased on a state exchange. Federal law allows a state to charge insurance companies for participation in an exchange while there are generally no fees to participate in the current insurance exchange system. OnlineAdviser will continue to provide support for all health insurance listed on any exchange.

5/12/2010 Diabetes Coverage: A new resource to help with health insurance for diabetics in California is available