Individual Health Insurance

Individual Health Insurance

Individual Health Insurance Plans In California

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individual health insurance plans in california
Please help answer a Health Insurance question: group vs. individual?

I’m thinking of retiring early. I would utilize COBRA for the full 18 months. After that, I would purchase an Individual Plan. I’m extremely healthy, no preexisting conditions. My concern is, if I were to become ill after purchasing the individual policy, could I be dropped? I would, of course, make sure payments are always on time. I live in California. Any help would be GREATLY appreciated. Thanks!

~~In California you are eligible for the greatest insurance. It’s through Costco, you must be a member.

You would not be dropped if you had an illness, and the insurance available through Costco does not play games of switching groups (long story but BX and B/S both do this on individual policies), so it can cost you a fortune if you develop something.

The more worrisome would be if you had a medical problem while under COBRA. This could make it very difficult for you to then qualify for an individual policy.

If it were me I would opt for getting the individual policy now (it’s much cheaper than Cobra anyway), then you would be set.

We used Lisa at 1-800-611-9057 extension 2206 to get our insurance through Costco. She is excellent at explaining your options and giving you the best policy to fit your needs.

We have had our insurance about 5 years and it is absolutely the best. Dental is also available. The premiums are very reasonable. The best part is everything has to go through Costco’s quality control, so you know you are getting the very best people and insurance. Their policies are PPO’s.

Congratulations are your soon to be retirement! Lucky YOU!~~

Arch Apple – Group & Individual Health Insurance Plans in Garden Grove, CA

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Written by Individual Health Insurance

July 26th, 2011 at 10:03 pm

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