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06 May 2016
what does deductible mean
The new Covered California health care insurance marketplace offers a wide range of affordable health plans that you can select from. Whether you're self-employed, or searching for coverage past what your employer currently offers, there is a plan that can likely meet your needs. Federal regulations require that health plans operating under the Affordable Care Act (ACA) meet certain access requirements. In California, those requirements include timely access to healthcare providers, along with geographic access standards.

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Here's a general guide to individual health care insurance that you could talk about when scouting for an agenda. And never forget these important dates regarding open enrollment for 2016.

Provider Networks

When selecting a fitness insurance plan, you will need to verify the plan's provider network of doctors, hospitals, nursing staff, therapists, and also other medical service providers. It is vital to understand is just not covered too. Understanding your plan's provider network helps you to save money, receive better care, avoid unexpected fees and costs, and stay happier using the care you receive.

Out-of-Network Care

You are not tied to medical service providers in your network, but when you decide to use one outside your network, medical health insurance will cover less producing a higher out-of-pocket cost in your case, except in the situation of emergencies.

Provider No Longer in Network

If the medical doctor leaves your network, you'll generally must discover a brand new doctor inside network, and a lot plans will assist you with this. As a rule, a medical plan's continuity of care policy allows the patient to carry on care having a doctor not inside the network for the certain time period in the lower cost-sharing rate.

Cost-Sharing Requirements

Each plan has different cost-sharing requirements. Typically, your overall share of costs is often a mixture of the premiums you spend plus some other co-payments, co-insurance or deductibles for which you are financially responsible.

How to locate a Doctor

Generally, the program you decide on have a report on doctors who accept your insurance. The Medical Board of California offers some very nice tips about selecting a doctor:

 Ask friends, family or co-workers about physicians they like.
 Ask your county medical society or association for names of physicians in your town.
 Once you've got some names, call and ask when the doctor is accepting new patients and if they accept your insurance policies.
 Check with the Medical Board to ensure the physician has a current California license.
 Meet together with the physician and consider using a physical completed to determine whether this is actually the doctor in your case and your loved ones.


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