Posted by admin on September 22nd, 2011
Medical insurance policies have become an indispensable part of Californian way of life. Insurance safeguards financial stability for the insured in case of a medical emergency or illness. By paying a small amount as premium annually, it is possible to take care of the cost of hospital stay and treatment. there are many types of medical insurances such as individual, family, or group insurances. Group health plans are those that provide for a particular group. A group can consist of a religious organization, employers, or students. Their employers offer employees group medical insurance. Sometimes these plans extend to family members of the employee, and this is offered as a benefit to the employee. Employers usually pay a part or whole of the premiums for these plans.
California has numerous private and public funded insurance companies that offer group medical insurance. Public funded companies seem to be a better choice for most people, because of reliability of servicing claim. Companies offer tailor-made plans for specific groups, in companies with at least two permanent employees. Representatives from these Californian insurance companies, personally visit the employers to understand their needs and chalk out plan options. The company can also assess costs on basis of age of members and their medical history.
Group medical insurance turns out to be much cheaper and affordable than bunching individual policies of each member. The members of groups that are insured are reimbursed charges of doctor visits, surgeries, or any other medical expenses. The insured has a choice of hospitals or doctors, in case of premiums that are paid in the fee-for-service plans. In managed care plans the company is more specific in planning health of groups. Prior approval from the insurance company has to be taken before admitting the insured person.
Many companies have their presence online and most Californian insurance companies provide information on their websites. Premium cost for specific group plans are also specified here. A comparative analysis can be done before deciding on a particular option.
California Group Medical Insurance
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Source: http://bestinsurancesite.net/california-group-medical-insurance/
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