Nicole Knows Health Insurance

Halloween was a blast with all the kids in the neighborhood showing up in costume and the elections are over and we have a lot of change in government this time around. I’m staying on top of the health reform bill here in California which is leading the nation in example by creating our health care exchanges last month. Although they won’t be implemented until 2014 California will have time to figure out what is needed and work with the carriers to the benefit of the consumer. Right now everything is speculation but it seems there will be more plans and benefits available to you as the bill was intended to give the consumer more plans, benefits, and price options for their health insurance. Some of the new benefits will be in effect in next year’s health plans like free check-ups and screenings as well as children can’t be denied coverage for pre-existing conditions which will help a lot of families. While the new plans are being sorted out Blue Shield of California is the only provider offering child only plans to the consumer but that is likely to change. I’ll keep you posted as I get more info!

For the Lowest prices available on California Health Insurance visit me at NicoleKnowsHealthInsurance.com or just Google “nicole knows“

I really feel for anyone who develops a medical condition and doesn’t yet have health insurance. I deal with a lot of people who understandably are going through tough economic times and put off applying even for a basic low cost health insurance plan. Unfortunately in some cases during that time of deciding something happens and they need medical attention or discover something gone wrong health wise and call me saying I need a plan now because I have a problem. In most cases it’s then too late; the health insurance carriers deny them with a pre-existing condition. I do everything I can and sometimes but rarely get them pushed through on sheer determination or a small exception rule I find but not often. So please protect yourself with at a good health insurance plan or at least a catastrophic plan with a low premium and a reasonable deductable so you aren’t put in that position ever.