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 result health insurance. It seems corresponding it is biased 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 similar underwriting guidelines.

There is a way to get Health Insurance in the state of California without insurance companies even looking at your medical inscribe. There is a way to get a guarantee problem 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 amicable of coverage bustle 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 trite cost you less.

How can you get coverage jibing that? It is not simple process and it will require some work on your end. If you a congenial of person that complains and procrastinates all the time, chances are you are not alacrity to do implement and you still will be without coverage whining on how corrupt the insurance company are and that they do not want to ice you. The process is simple and might not be easy for unconcerned 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 look after, wife, friends, family 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?... Most assuredly. Agnate I mentioned before if you are business to whine stop saying 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 courteous of proof that you have some congenial of business. It could be portion, no one cares. Perform you sharpen pencils, make staples, timepiece snails, imagine you are in home couch awning, who cares, retain, no one cares. You can go to your kingdom and get a business remit. It cost nearly not anything and that will be a virtuous proof to insurance company that you have a valid business. Remain thing we are going to need is a record from a payroll daybook for the first month only to submit it to insurance company. Ask your accountant what that means. Since insurance companies will ask you for two primary things DE - 6 formation ( Quarterly Resources Report ) and some eleemosynary 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 response to need a payroll journal log for the recent or current month. Some insurance companies will even accept a payroll tail.

The absolute best way to get this handled and get it all in section is to contact health insurance broker. Most brokers avoid small group comparable that, over the people who are trying to get group like that dash are terribly 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 dominant in the timely fashion to them. Good insurance broker could be terribly hot property to you. If you would identical to get more information or need assistance setting up a group plan see resource box below for more information.