Are you looking for health insurance cover?
If injury or illness befalls you, health insurance covers private treatment with preferred doctors, consultants, hospitals and clinics, for pre-agreed conditions and ailments.
Insurers sometimes refer to health insurance as ‘private medical insurance’, or ‘PMI’, but in most cases, the product is the same, although what’s covered will vary from policy to policy.
Family health insurance
Read helpful guides in the Health insurance first aid kit
What’s included in health insurance?
The benefits will vary from policy to policy, but the right one for you will offer you the most flexibility and support when you’re in need.
Look out for these benefits:
In-patient treatments, such as routine health checks, tests and surgery
Out-patient care, such as overnight stays
Cash benefit if private treatment takes place in an NHS ward or facility
The use of diagnostic equipment
Cost of appointments, plus the consultant’s time
Prosthetics and wigs
But what’s covered will vary from policy to policy, so carefully compare the benefits and exclusions to find the right one for you.
Do I need health insurance?
Health insurance can work in tandem with the free care provided by the NHS, which all UK citizens are entitled to, to give patients control over how they’re treated.
Self-employed workers, or those with debilitating conditions that don’t receive statutory sick pay, may benefit from health insurance because it fast-tracks treatment.
Some insurers also offer a medical advice phone line so you have the option to speak to a nurse.
Will health insurance cover every illness and injury?
If you’re taken ill with a new condition, or have an accident, the benefits of health insurance will usually help you. If you have a pre-existing condition, getting affordable cover can be tricky, but it’s not impossible if you shop around.
Changing providers mid- or following treatment can also be problematic, as the illness or injury may become a pre-existing condition in the eyes of your new insurer.
Bear in mind that health insurance is very different to a healthcare cash plan, which reimburses appointments and certain treatments at the dentist, optician or physio.
Ready to get a health insurance quote?
We’ll help you at each step, but have this information to hand:
Your name, age and address
If you smoke, and if you’ve quit, how long ago
If you’d like to add a partner or children to the policy
Your quotes are based on your answers, so be honest and accurate, as inaccuracies could invalidate your policy.
Which health insurer should I pick?
On the pulse
As of November 2015, there were over 3.3 million people on NHS England waiting lists
According to PwC, sick leave costs UK businesses £29 billion a year
GoCompare helps you compare policies from well-known and trusted healthcare insurers, including AXA PPP, Aviva, Simply Health, PruHealth and many more.
To make your decision, you can compare the price, features and benefits of each health insurance policy, side-by-side, and get up close and personal with insurer and package in the ‘key facts’.
When you feel confident with your choice you can buy online, or we’ll give you a number to call the insurer about your chosen product.
Need to know more about health insurance?
You’ll find a plethora of helpful guides in our Health insurance first aid kit including cancer and heart disease, family health insurance, disability care, long-term care and health care for self-employed workers.
We’ve investigated how smoking and vaping may affect your eligibility, and how your mental health can affect a premium.
And as dreary as they sound, medical history declarations, moratoriums, out-patient treatment, in-patient treatment, day-patient treatment, pre-existing conditions and excesses, are all key parts of a health insurance quote, so we’ll help you get to grips with those, too.
California Medical Insurance Quotes
Get California Medical Insurance Quotes with our online Covered California Calculator. It’s quick, easy and free. Fill in your information in the box above and click “Get My FREE Quote Now.”
Understanding the Different California Health Insurance Plans
Health for California makes it much easier for you to understand the different health insurance plans and what they cover. You’ll be able to make a comparison between the various plans and choose the one that meets your health and budget needs. The choice is all yours.
Once plan options appear, you’ll see rates, metallic tier choices and benefits from all the different carriers in California. Additionally, you’ll see if you qualify to get government assistance, which will enable you to receive discounted rates.
Your quotes will include:
Carrier name (Kaiser Permanente, Anthem Blue Cross, etc.)
Plan category (PPO, HMO and EPO)
Plan type (Bronze, Silver, Gold or Platinum)
Total price of the plan
Price you will pay
Subsidy you qualify for
The good news is that there is a health insurance plan for everyone. You don’t necessarily have to be a U.S. citizen to be eligible for medical insurance in California. And no insurance company will refuse to cover you simply because of a pre-existing condition.
Which Is the Best Health Insurance Plan for You?
Whether you are a family with many doctor appointments or one that just wants to be covered for emergencies, there is a plan to match your needs. The most popular plan types are Bronze, Silver, Gold and Platinum.
Learn more about all the care plans below.
Bronze 60 Plan: With this health plan, you will make small monthly payments while still receiving coverage for a few checkups and preventative care. However, you will have to pay a little more if you need to see a specialist. This plan is particularly ideal for young people with no dependents. If you don’t expect to see the doctor much this year, then this might be the right plan for you.
Silver 70 Plan: With this plan, you will make average monthly payments while getting affordable health insurance coverage in California that covers all the basics and more. However, you’ll spend a little more if you need outpatient surgery or visit the hospital. This plan is perfect if you are a person who works hard to ensure your health is always in check.
Gold 80 Plan: This is an excellent comprehensive health plan. You will make modest monthly payments and have low out-of-pocket costs in case you see a specialist or visit a hospital. The best thing is that you’ll have a lower deductible to meet, saving you a lot in the long run.
Platinum 90 Plan: With this health plan, you will make higher monthly payments, and receive regular physician visits, emergencies and preventative care, without having to meet a deductible. It’s a great plan for individuals and families looking to save on out-of-pocket costs.
The least expensive health insurance quote on each metallic plan is found on the left. If you want to see additional plans at higher prices, you can scroll to the right. All the plans in the same metallic tier offer the same benefits with a few exceptions.
Additional Information Regarding California Health Insurance Quotes
For more information related to quotes, pricing, and government subsidies, click Medical Insurance Quotes California.
If you’re interested in applying for just your child(ren) click, Child Only Health Insurance California.