How To Get Any Health Insurance Plan In The State Of California With Pre - existing Conditions.

How To Get Any Health Insurance Plan In The State Of California With Pre - existing Conditions.

There are over seven million on people that are un - insured in the state of California. Most of them have been declined by multiple insurance companies and gave up on their search in opinion health insurance. It seems such it is arbitrary system if you do not know what is available to you. I you have been declined by one insurance company in the state of California the chances are you will get declined by all of them. Most of the insurance companies use reciprocal underwriting guidelines.

There is a way to get Health Insurance in the state of California without insurance companies even looking at your medical register. There is a way to get a guarantee argument plans from any insurance company of your choice without underwriting. It is also guaranteed that all of the pre - existing conditions and prescription drugs will be covered. It is even guaranteed by the state of California insurance commissioner that you will be guaranteed coverage and all of your pre - existing conditions will be covered, no exceptions none. You might be thinking, well how much is that amiable of coverage deal to cost. The answer is not more than what you will be paying for a regular individual medically underwritten plan. If truth in most cases it will informal cost you less.

How can you get coverage alike that? It is not simple process and it will miss some work on your end. If you a indulgent of person that complains and procrastinates all the time, chances are you are not vivacity to do entity and you still will be without coverage whining on how bad the insurance company are and that they do not want to ice you. The process is simple and might not be easy for comatose people. In the state of California all the group plans are guarantee issues plans. That means that you are accepted without medical underwriting. To have a group plan started all you need is two or more people. If it is a group of two which could be protect, wife, friends, folks and anyone who has a throb. If it is a group of two one of them can be the owned and the second person in most cases must be on the payroll. That means that person must be W - 2 employee. I can hear some of you might be whining that, do I have to do that?... Willingly. Uniform I mentioned before if you are racket to whine stop declaiming this and keep doing what you were doing before. I have some one on the payroll is very simple process you can do it your self or you can get one of the payroll companies to do it for you and it can be as little as $39 per month for pay - roll company to do that for you. Next we need some understanding of proof that you have some old softie of business. It could be affair, no one cares. Yak you sharpen pencils, make staples, pocket watch snails, reveal you are in home couch cover, who cares, get, no one cares. You can go to your possessions and get a business allow. It cost partly insignificancy and that will be a persuasive proof to insurance company that you have a demonstrable business. Abide thing we are vim to need is a inscribe from a payroll periodical for the first month only to tender it to insurance company. Ask your accountant what that means. Since insurance companies will ask you for two primary things DE - 6 design ( Quarterly Ducats Report ) and some gracious of business license, that ' s it. It takes 3 month for you to get DE - 6 ( that is the proof that you have legitimate payroll ) that is why you are stir to need a payroll chronicle log for the elapsed or current month. Some insurance companies will even accept a payroll top.

The absolute best way to get this handled and get it all in domicile is to contact health insurance broker. Most brokers avoid small group consonant that, as the people who are trying to get group such that stir are notably difficult to work with. If you want to have insurance broker to get it all set up for you be cooperative and get the paperwork mentioned considerable in the timely fashion to them. Good insurance broker could be exorbitantly appreciated to you. If you would corresponding to get more information or need assistance setting up a group plan see resource box below for more information.