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Results from search: http://www.miec.com/

Medical Insurance Exchange of California - Professional Liability Insurance Serving Alaska, California, Hawaii, Idaho and Nevada                        Welcome to MIEC, the West's first physician-owned professional liability company. Together with our subsidiary, Claremont Liability Insurance Company, we cover more than 6,000 physicians and other health care professionals.   Medical Insurance Exchange of California Claremont Liability Insurance Company Medical Underwriters of California Management Company         6250 Claremont Avenue Oakland, CA 94618 800.227.4527   Fax 510.654.4634 Medical Insurance Exchange of California (License #R260) Claremont Liability Insurance Company (License #6379) Copyright © 2000 Medical Insurance Exchange of CA

Results from search: http://www.healthyfamilies.ca.gov/

Welcome to Healthy Families California Home HFP Home Information FAQ Downloads Find a Doctor, Dentist, or Health Plan Find an Applicant Assistant in your area Request Help Sponsorship CAA Information Sections   Managed Risk Medical Insurance Board     A Healthier Tomorrow Starts Today!     My CA   Energy Related Information (www.myca.gov) The energy challenge facing California is real. For more information on how you can help, click here. And remember, CHHS encourages practical and feasible energy saving measures while considering the health and safety of clients, workers and family members. Welcome to the Healthy Families Web site! The Healthy Families Program is a state and federally funded health coverage program for children with family incomes above the level eligible for no cost Medi-Cal and below 250% of the federal income guidelines ($36,576 for a family of three). From this page you can: Obtain more information about the Program Get your questions answered Request information from a Program Administrator This program is administered by the Managed Risk Medical Insurance Board. Click here to visit MRMIB's Web site! Visitors this month Visitors since Jan. 1, 2001 S:\HEALTH~1\Systems\WEBTest\wwwroot\counter1.asp 2000 State of California. Gray Davis, Governor. Conditions of Use Privacy Policy

Results from search: http://www.insurancequotes4u.com/

Health Insurance Quotes: California, Florida, Texas, Virginia and others Health Insurance Quotes and Applications Online      Affordable health, medical and dental insurance.           Home     Quotes     Contact Us         Products & Quotes   Health Insurance   Temporary Health   Group Insurance   COBRA Alternative   Life Insurance   Discount Medical   Dental Plans       Insurance Terms   Legal   Privacy Policy   Contact Us Ph: 561-499-3948 Fax: 561-495-0509 EMAIL   Health Insurance Quotes Available in Arizona, California, Florida, Georgia, Indiana, Illinois, Michigan, Missouri, Ohio, Texas, Virginia, Wisconsin. Discount medical plans available for all states. Get your Free Health Insurance Quote! Dental Plans Available in all states First Team Health Insurance Services offers you a wide variety of medical insurance policies to protect you and your family against the high costs of health care. We offer individual, family, small group and business plans. Special options include maternity coverage, temporary medical insurance for people on COBRA and others, student health insurance, medicare supplements, long term care, travel, dental, vision and prescription coverage. We also have a wide choice of life insurance plans to suit your needs. Options include term life, universal life and whole life. For major medical health insurance you can choose from a variety of insurers and types of service to meet your specific needs. Prices vary based on doctor office copays, deductibles, coinsurance levels, PPO/HMO and other features. We have over 20 years experience in the medical insurance field. We give quotes on quality policies with the best rates. You get the medical coverage you need at a price you can afford. Apply online or call us to discuss how we can insure you the best. You receive fast, personal service. Contact us today to get insured! Health insurance quote for traditional plans are available in Arizona, California, Florida, Michigan, Missouri, Texas, Virginia. Discount medical plans available in all states. Dental coverage in all states. Get your Free Health Insurance Quote!   World's largest medical library: United States National Library of Medicine   Home | Health Insurance | Temporary | Life | Group Insurance | COBRA Alternative | Discount Medical Plan | Dental Plans Insurance Terms | Legal | Privacy | Link Exchange | Resources at Other Sites | Contact Us California Health Insurance | Florida Health Insurance | Texas Health Insurance We offer plans for: Permanent Major Medical, Short-Term, Temporary, Student Health Insurance, Health Insurance for the Self-Employed, Medical Savings Accounts-MSA's, Long Term Care including Nursing Home and Home Health Care Plans, International Travelers Insurance, Disability, Term Life, Universal Life and Whole Life.   Michael Donish is licensed to sell Insurance in the following states: FL License #A311127, CA License #0645922, AZ, GA, IN, IL, MO, OH, TX, VA, WI, MI Arizona, California, Georgia, Indiana, Illinois, Michigan, Missouri, Ohio, Texas, Virginia, Wisconsin   © First Team Health Insurance 2001-2002. All rights reserved. www.insurancequotes4u.com   Design and marketing by #1 Sun Web Site Promotion and Design  

Results from search: http://www.quotesmith.com/

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Join Newsletter In the News Special Report 13 things your health insurer doesn't want you to know Your Life Insurance Americans won't admit they're buying more life insurance Your Car Allstate must pay for diminished value of cars in Georgia Lawsuits allege auto insurers overcharge new customers in California Allstate hikes New York auto insurance premiums 10.5 percent, blames high fraud Boomer motorcycle deaths skyrocket settles Georgia lawsuit about diminished value of cars Your Home Consumer complaints spark Texas home insurance rate probe 21st Century Insurance to drop California home insurance Your Health 10 things you should know about COBRA Court approves $20 million class action settlement with Blue Shield of California Empire Blue Cross and Blue Shield wins approval for conversion Georgia joins assault on Employers Mutual over unlicensed health insurance sales New Jersey doctors gain right to negotiate fees with health insurance plans Your Business World Trade Center losses lower than originally expected Your Insurance Company Former Credit General officers sued in insurer's demise Site Reviews "Quotesmith is a must for anyone shopping for competitive rates." 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Results from search: http://www.mrmib.ca.gov/MRMIB/MRMIP.html

MRMIP - TOC and Introduction Introduction Eligibility Applicants Who Know They Are Currently Not Eligible But Expect To Be in the Future Agents/Brokers, Employers and Applicants Medi-Cal Beneficiaries How the Program Works Choosing a Health Plan Benefits and Copayments Pre-Existing Condition Exclusion Period for Blue Cross and Blue Shield PPO Subscribers Post-Enrollment Waiting Period for Blue Shield HMO, Contra Costa Health Plan, Kaiser Permanente and Maxicare How You May Waive All or Part of the Exclusion/Waiting Period Dependent Coverage Information Waiting List Transfer of Enrollment Disenrollment Dispute Resolution/Appeals Binding Arbitration Coverage Brochures Coordination of Benefits Description of Plans and Benefit Highlights Blue Cross of California Blue Shield of California- Access + HMO Blue Shield of California- Preferred Plan Contra Costa Health Plan Kaiser Permanente Northern California Kaiser Permanente Southern California Subscriber Contribution by County Charts Area 1 Rates Area 2 Rates Area 3 Rates Area 4 Rates Area 5 Rates Area 6 Rates Application For more information call 1-800-289-6574 Introduction The California Major Risk Medical Insurance Program (MRMIP) is an innovative MRMIP developed to provide health insurance for Californians who are unable to obtain coverage on the open market. The MRMIP is administered by a five-member Board who has established a comprehensive benefit package. Services in the MRMIP will be delivered through contracts with health insurance providers. Californians qualifying for the MRMIP will participate in the payment for the cost of their coverage by paying premiums on their own behalf. The MRMIP will supplement those premiums to cover the cost of care. The MRMIP is funded by $40 million from tobacco tax funds. Eligibility Requirements In order to be eligible for the Major Risk Medical Insurance Program: You must be a resident of the state of California. A resident is a person who is present in California with intent to remain in California except when absent for transitory or temporary purposes. However, a person who is absent from the state for a period greater than 180 consecutive days shall not be considered a resident. You cannot be eligible for both Part A and Part B of Medicare, unless eligible solely because of end-stage renal disease. (Being eligible for one part or the other is acceptable.) You cannot be eligible to purchase any health insurance for continuation of benefits under COBRA or CalCOBRA. (COBRA and CalCOBRA refers to the federal law giving people under certain circumstances the right to continue coverage in an employee health plan for a limited time.) If you have COBRA or CalCOBRA you may apply for deferred enrollment. You must be unable to secure adequate coverage. This can be demonstrated in any of four ways: If you have been denied individual coverage within the previous 12 months. A letter/copy of letter from a health insurance carrier or health plan or health maintenance organization denying individual coverage within the last 12 months must be submitted with your completed application. If you have been involuntarily terminated for health insurance coverage within the previous 12 months for reasons other than nonpayment of premium or fraud. A letter/copy of letter indicating involuntary termination from a health insurance carrier or health plan or health maintenance organization or employer for reasons other than nonpayment of premium or fraud must be submitted with your completed application. If you have been offered, in the previous 12 months, an individual, not a group, health insurance premium in excess of the Major Risk Medical Insurance Program subscriber rate for your first-choice participating health plan. A letter/copy of letter must be submitted with the completed application indicating that, within the last 12 months, you have been offered by a health insurance carrier or health plan or health maintenance organization, a premium for the subscriber and/or their dependents (when applicable) in excess of the MRMIP rate for the subscriber and/or their dependents. If you are a member of a group of two or fewer (not including dependents) who has been denied health insurance coverage in the previous 12 months. A letter/copy of letter indicating that a member of a group of two or less has been denied by a health insurance carrier or health plan or health maintenance organization for health insurance coverage within the last 12 months must be submitted with your completed application. Note: Letters from agents/brokers indicating that an individual is unable to secure adequate private coverage will not be accepted as documentation for eligibility. Applicants Who Know They Are Currently Not Eligible But Expect To Be in the Future If you are not currently eligible for the MRMIP, but anticipate becoming eligible, you may also apply for this MRMIP. Examples of this are: if you are currently enrolled in COBRA or CalCOBRA coverage or if your employer has informed you that you will be involuntarily terminated from insurance coverage sometime in the future. To apply for a deferred enrollment, indicate when you will become eligible and include acceptable documentation. Acceptable documentation is a letter from a health insurance carrier or employer indicating when your coverage will end. The documentation must specify the exact date of termination of current coverage. Enrollment in temporary policies does not qualify for deferred status. If the MRMIP is not at maximum enrollment and all other eligibility criteria are met, you will be enrolled in the MRMIP on the date that eligibility will occur. If the MRMIP is at maximum enrollment at the time you become eligible, your place on any waiting list is determined by the date on which you originally applied, not the date that you became eligible for the MRMIP. Applicants for deferred enrollment must submit their initial subscription contribution with their application. Payment will be refunded to you immediately if your deferred effective date is more than sixty (60) days from the date we receive your application. Agents/Brokers, Employers and Applicants Insurance Code Section 12725.5 states that it shall constitute unfair competition for an insurer, an insurance agent or broker, or administrator to refer an individual employee, or their dependent(s) to apply to this MRMIP, for the purpose of separating that employee, or their dependent(s) from group health coverage provided in connection with the employee's employment. Insurance Code Section 12725.5 further states that it shall constitute an unfair labor practice contrary to public policy for any employer to refer an individual employee, or their dependent(s) to this MRMIP, or to arrange for an individual employee, or their dependent(s) to apply to the MRMIP, for the purpose of separating that employee, or their dependent(s) from group health coverage provided in connection with the employee's employment. Medi-Cal Beneficiaries While Medi-Cal beneficiaries are not prohibited from enrolling in the Major Risk Medical Insurance Program, a Medi-Cal beneficiary should carefully consider the cost before signing up for our additional coverage. MRMIP subscribers are responsible for their monthly subscriber contributions, a deductible and/or a copayment for services which could be up to $4,000 per year. Medi- labels cannot be used for MRMIP copayments. How the Program Works Benefits and Copayments Subscriber may choose from any plan available to them as listed in the enclosed subscriber contribution by county charts. Description of Plans and Benefit Highlights and are also available by calling any MRMIP health plan at their toll-free number and asking for an Evidence of Coverage or Certificate of Insurance. Subscribers will be responsible for their monthly subscriber contribution whether or not they receive a bill in that month. Subscribers may choose from any plan available to them as listed in the Subscriber Contribution by County Charts . Health Maintenance Organizations (HMOs) in the MRMIP require a fixed dollar co-payment for some services and up to a 20% co-payment for other services. The Preferred Provider Organizations (PPOs) in the MRMIP may also require a fixed dollar co-payment for certain services and up to a 25% co- payment for other services. The out-of-pocket maximum per calendar year for all MRMIP plans is $2,500 for individuals and $4,000 for an entire household covered by the MRMIP. This maximum does not apply to services recieved by providers that do not participate in the subscriber's chosen health plan's provider network, or to services not covered by MRMIP. There are MRMIP benefit limits of $75,000 per calendar year and $750,000 in a lifetime. Subscriber contribution amounts are updated on January first of each year. In addition, your subscriber contribution may change during the year if your birthday moves you into a new age category. For married subscribers enrolled under two-party or family coverage, the age rating category will be based on the age of the subscriber. Adjustments to subscriber contributions due to age changes will occur on the first of the month following the birthdate. Subscriber contributions may also change when a member moves from one area of the state to another. Adjustments to subscriber contributions will occur on the first of the month following notification of the move. Each month you will receive a subscriber contribution notice from MRMIP. Subscriber contributions are payable in advance and are due the first day of every month. A subscriber contribution notice will be generated monthly, and will be sent out 30 days prior to the due date. A delinquency billing or final notice will be sent out on the 15th day following the paid to date. There is a grace period of 31 days from the paid to date, and the member's coverage will remain in effect during this time. Cancellation for nonpayment of subscriber contribution will take place on the 32nd day following the paid to date. The cancellation will be retroactive to the paid to date, and a cancellation letter will be generated to the subscriber. A subscriber may pay either by check or money order. In addition, a subscriber may elect to have their monthly subscriber contribution automatically deducted from their checking account when accepted into the MRMIP. Subscriber contribution checks that are returned to the subscriber's bank will result in disenrollment back to the last month(s) paid. The subscriber may be reinstated upon request only if membership history indicates that cancellations of the same subscriber have not exceeded two instances in a rolling 12 month period. The replacement check must include subscriber contributions to bring the account to current status with an additional $25.00 NSF processing fee and must be received within the 31 day grace period. There is no application fee for applying to this MRMIP. You are required to submit your first month's subscriber contribution for MRMIP health care coverage, which is completely applied toward your first month of coverage if you are enrolled. Qualified insurance agents and brokers may be paid a $50 fee by the state for explaining the MRMIP and assisting you in completing the application. The state does not require an individual applying to this MRMIP to pay any fee, charge or commission to a broker or agent. Pre- Existing Condition Exclusion Period for Blue Cross and Blue Shield PPO Subscribers For individuals who are enrolled in a participating health plan offering a Preferred Provider Organization (PPO), there is a pre-existing condition exclusion period of 90 days. During this period, no benefits or services related to a pre-existing condition shall be covered. Subscribers shall be required to pay subscriber contributions during this period.
Results from search: http://www.bluecrossca.com/

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Results from search: http://www.healthinsur.com/

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BlueCross BlueShield Association - Home Plan Finder Zip Code: Customer Service Health Coverage Health & Wellness National Health Care Issues Health Care Anywhere BlueCard ® Doctor & Hospital Finder Community Connection Who We Are Links For... Federal Employees Employers News Media Health Professionals Public Policy Specialists     KEYWORD SEARCH: Click here to view Career Opportunities from participating Blue Plans and the Blue Cross and Blue Shield Association. Click here for summaries of clinical evidence to help you make health care choices from the Technology Evaluation Center. Click here for information on obtaining health insurance coverage for you, your family or group.   Home | Customer Service | Health Coverage | Health & Wellness | National Health Care Issues | Health Care Anywhere BlueCard® Doctor & Hospital Finder | Community Connection | Who We Are | Privacy | Glossary | FAQs | Legal Notice Copyright ©2002 Blue Cross Blue Shield Association. All rights reserved.

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