California Health Insurance
Consumer Rights under CA State Law
California's insurance laws offer medium protection for
its consumers. Insurance companies have a significant
amount of freedom in developing their policies.
Newborn and Dependent Coverage
Newborns and adopted children of insured individuals with
dependants included on the plan are automatically for
a period of 31 days. The insured individual must contact
the insurance company within the 31 day period and adjust
their policy in order to guarantee coverage beyond 31
California health insurance policies can not be cancelled
by an insurance company for any health conditions. An
insurance company must have some other valid reason to
cancel a policy.
Pre-existing conditions do not have to be covered by a
California insurance policy. A California insurance company
can set provisions in their policy to dictate if they
are going to cover pre-existing conditions.
They can also implement a waiting period before coverage
of pre-existing conditions begins.
Non Guaranteed Coverage
California, along with many other states that don't have
strong regulations, allows insurance companies to deny
coverage. Coverage can be denied because of bad health
or pre-existing conditions.
Temporary Health Insurance
A temporary insurance policy can be taken out by qualifying
individuals. This coverage's renewal can be denied at
an insurance company's discretion.
Always check with your
health insurance company on latest policies. These types
of policies rarely ever change (but can), and they are
very similar from state to state. So, we have tried to
highlight the differences, where applicable.
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