Saturday, August 1, 2009

California Health Insurance

n 2007, 87% of Californian's had some form of health insurance.[45] Services in California range from private offerings: HMOs, PPOs to public programs: Medi-Cal, Medicare, and Healthy Families (SCHIP).

At times, it is difficult to navigate the complex health insurance system. California developed a solution to assist people across the State and is one of the only States to have an Office devoted to giving people tips and resources to get the best care possible. California's Office of the Patient Advocate was established July 2000 to publish a yearly Health Care Quality Report Card on the Top HMOs, PPOs, and Medical Groups and to create and distribute helpful tips and resources to give Californian's the tools needed to get the best care.[46]

Additionally, California has a Help Center that assists Californian's when they have problems with their health insurance. The Help Center is run by the Department of Managed Health Care, the government department that oversees and regulates HMOs and some PPOs. The number to call is 1.888.466.2219, they have staff on hand to help you through the process of filing a complaint, or just figuring out what to do next.

[edit] See also

[edit] Notes and references

  1. ^ How Private Insurance Works: A Primer by Gary Claxton, Institution for Health Care Research and Policy, Georgetown University, on behalf of the Henry J. Kaiser Family Foundation.
  2. ^ Howstuffworks: How Health Insurance Works.
  3. ^ Encarta: Health Insurance.
  4. ^ See California Insurance Code Section 106 (defining disability insurance). http://caselaw.lp.findlaw.com/cacodes/ins/100-124.5.html In 2001, the California Legislature added subdivision (b), which defines "health insurance" as "an individual or group disability insurance policy that provides coverage for hospital, medical, or surgical benefits."
  5. ^ a b Fundamentals of Health Insurance: Part A, Health Insurance Association of America, 1997, ISBN 1-879143-36-4.
  6. ^ Thomas P. O'Hare, "Individual Medical Expense Insurance," The American College, 2000, p. 7, ISBN 1-57996-025-1.
  7. ^ Managed Care: Integrating the Delivery and Financing of Health Care - Part A, Health Insurance Association of America, 1995, p. 9 ISBN 1-879143-26-1.
  8. ^ Agency for Healthcare Research and Quality (AHRQ). "Questions and Answers About Health Insurance: A Consumer Guide." August 2007.
  9. ^ http://www.healthharbor.com/HealthInsPriorAuth.html
  10. ^ http://www.healthharbor.com/HealthInsReadingEOB.html
  11. ^ "Comprehensive Health Insurance vs. Scheduled Health Insurance".
  12. ^ "Mini Medical Plans On The Move".
  13. ^ Holahan, John; Blumberg, Linda (2008). "Can a Public Insurance Plan Increase Competition and Lower the Costs of Health Reform?" (pdf). Urban Institute, Health Policy Center. http://www.urban.org/UploadedPDF/411762_public_insurance.pdf. Retrieved on 2009-04-28. "“Competition in insurance markets is often about getting the lowest risk enrollees as opposed to competing on price and the efficient delivery of care.”"
  14. ^ "Wading Through Medical Insurance Pools: A Primer," American Academy of Actuaries September 2006.
  15. ^ Marc L. Berk and Alan C. Monheit, "The Concentration Of Health Care Expenditures, Revisited", Health Affairs, Volume 20, Number 2, March/April 2001. Accessed February 27, 2008.
  16. ^ Marc L. Berk and Alan C. Monheit, "Datawatch: The Concentration Of Health Expenditures: An Update", Health Affairs, Winter 1992. Accessed February 27, 2008.
  17. ^ "1997–1999 Group Medical Insurance Database and Analysis Report," Society of Actuaries, 2004.
  18. ^ "The Bottom Line on Risk Classification in Individually Purchased Voluntary Medical Expense Insurance," American Academy of Actuaries, February 1999.
  19. ^ Teresa Chovan, Hannah Yoo and Tom Wildsmith, "Individual Health Insurance: A Comprehensive Survey of Affordability, Access, and Benefits" America’s Health Insurance Plans, August 2005.
  20. ^ Teresa Chovan, Hannah Yoo and Tom Wildsmith, Individual Health Insurance: A Comprehensive Survey of Affordability, Access, and Benefits, America’s Health Insurance Plans, Table 7, p. 11 (Note that the remainder, roughly 2%, received other types of offers, such as policies with condition waivers).
  21. ^ Task Force on Genetic Testing in Health Insurance, "Risk Classification in Individually Purchased Voluntary Medical Expense Insurance," American Academy of Actuaries, February 1999.
  22. ^ a b The Factors Fueling Rising Healthcare Costs 2006, PriceWaterhouseCoopers for America's Health Insurance Plans, 2006, accessed 2007-10-08.
  23. ^ "Mirror, Mirror on the Wall: An International Update on the Comparative Performance of American Health Care". The Commonwealth Fund. May 15, 2007. http://www.commonwealthfund.org/Content/Publications/Fund-Reports/2007/May/Mirror--Mirror-on-the-Wall--An-International-Update-on-the-Comparative-Performance-of-American-Healt.aspx. Retrieved on March 7, 2009.
  24. ^ http://www.australianunity.com.au/au/hins/Misc/MedicareSurcharge.asp#
  25. ^ http://parlinfoweb.aph.gov.au/piweb/Repository/Legis/Bills/Linked/27050802.pdf
  26. ^ http://www.abc.net.au/news/stories/2008/08/12/2332647.htm
  27. ^ Private Health Insurance in OECD Countries. OECD Health Project. 2004. http://books.google.com/books?id=oUM39nDp2s4C&dq=employer+provided+private+health+insurance+in+canada. Retrieved on 2007-11-19.
  28. ^ "National Health Expenditure Trends, 1975-2007". Canadian Institute for Health Information. 2007-11-13. http://secure.cihi.ca/cihiweb/dispPage.jsp?cw_page=PG_876_E&cw_topic=876&cw_rel=AR_31_E. Retrieved on 2007-11-19.
  29. ^ Hadorn, D. (2005-08-02). "The Chaoulli challenge: getting a grip on waiting lists". Canadian Medical Association Journal 173: 271. doi:10.1503/cmaj.050812. PMID 16076823. http://www.cmaj.ca/cgi/content/full/173/3/271?etoc.
  30. ^ "L'assurance maladie".
  31. ^ John S. Ambler, "The French Welfare State: surving social and ideological change," New York University Press, 30 September 1993, ISBN 978-0814706268.
  32. ^ HM Treasury (2007-03-21). "Budget 2007" (PDF). 21. http://www.hm-treasury.gov.uk/media/3/4/bud07_completereport_1757.pdf. Retrieved on 2007-05-11.
  33. ^ http://www.carehealth.co.uk/pmiexpln.htm
  34. ^ BUPA exclusions.
  35. ^ "Survey of the general public's views on NHS system reform in England" (PDF). BMA. 2007-06-01. http://www.bma.org.uk/ap.nsf/AttachmentsByTitle/PDFnhssystreform2007/$FILE/48751Surveynhsreform.pdf.
  36. ^ World Health Organization Statistical Information System: Core Health Indicators.
  37. ^ [1] Center for Sensible Finance. July 2009.
  38. ^ a b c "Income, Poverty, and Health Insurance Coverage in the United States: 2006." U.S. Census Bureau. Issued August 2007.
  39. ^ U.S. Census Bureau, "CPS Health Insurance Definitions".
  40. ^ "Health Insurance: Overview and Economic Impact in the States," America’s Health Insurance Plans, November 2007.
  41. ^ U.S. Bureau of Labor Statistics, "THE EMPLOYMENT SITUATION: JANUARY 2008," February 1, 2008.
  42. ^ U.S. Bureau of Labor Statistics, "National Compensation Survey: Occupational Wages in the United States, June 2006," June 2007.
  43. ^ The Center for Responsive Politics, Top Industries Giving to Members of Congress: 2008 Cycle, accessed January 4th, 2009.
  44. ^ Health Insurance.org, "Health Care and Insurance Dominate the Washington Lobby," April 2008.
  45. ^ CHIS 2007 Survey
  46. ^ OPA, http://opa.ca.gov/english/about/index.aspx
  • Navigating your health benefits for dummies. Charles M Cutler MD Tracey A Baker CFP (c)2006 ISBN 978-0-470-08354-3

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