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 finding health insurance. It seems like it is unfair 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 record. There is a way to get a guarantee issue 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 kind of coverage going to cost. The answer is not more than what you will be paying for a regular individual medically underwritten plan. If fact in most cases it will probably cost you less.
How can you get coverage like that? It is not simple process and it will require some work on your end. If you a kind of person that complains and procrastinates all the time, chances are you are not going to do anything and you still will be without coverage whining on how evil the insurance company are and that they do not want to insure you. The process is simple and might not be easy for lazy 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 husband, wife, friends, relatives… and anyone who has a pulse. 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?… Yes. Like I mentioned before if you are going to whine stop reading 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 kind of proof that you have some kind of business. It could be anything, no one cares. Say you sharpen pencils, make staples, watch snails, say you are in home couch tester, who cares, remember, no one cares. You can go to your county and get a business permit. It cost almost nothing and that will be a sufficient proof to insurance company that you have a legitimate business. Last thing we are going to need is a record from a payroll journal 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 form (Quarterly Wage Report) and some kind 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 going to need a payroll journal record for the past or current month. Some insurance companies will even accept a payroll stub.
The absolute best way to get this handled and get it all in place is to contact health insurance broker. Most brokers avoid small group like that, because the people who are trying to get group like that going are extremely 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 above in the timely fashion to them. Good insurance broker could be extremely valuable to you. If you would like to get more information or need assistance setting up a group plan see resource box below for more information.
