Additional
information is also available on our web site for the following:
Independent sources of insurance related information:
 California
HealthCare Foundation (Click here)
The California HealthCare Foundation provides an online resource for independent
research, analysis, and news on issues affecting healthcare delivery and financing.
Objective information for California small businesses (Click here):
Finding health insurance for your small business can be tough. Information helps you decide whether health insurance is right for your business and how to get the best deal for you and your employees
Understanding
consumer-directed health care in California (Click here):
This report examines consumer-directed health plans, which
link consumers’ health
coverage choices to the financial consequences of those choices. If, for
example, consumers choose a health plan that results in greater overall expenditures,
they will have to pay more in premiums. This report explains how the products
work, identifies the industry players behind them, and discusses the factors
likely to influence their growth.
Rules
governing California’s individual health insurance market (Click here):
An overview of how individual health insurance plans work. When individuals
buy health coverage, they have limited protections—especially if they do
not have recent coverage under a group plan. Coverage is not guaranteed. An
insurer can decline to offer coverage. Declinations due to pre existing
health conditions often run as high as 50%. This issue brief underscores
the need for consumers to avoid breaks in coverage whenever possible.
Rules
governing California’s small group health insurance market (Click here):
California's small group health insurance market is regulated by a special
set of rules designed to strike a balance between the broad social goal of
allowing small employers fair access to health coverage and the needs of
insurance carriers to avoid unpredictable costs. This issue brief describes
the rationale for having such laws, summarizes the rules that apply to California's
small group market, and places small group rules in the context of other
market forces.
 Agency
for Healthcare Research and Quality (Click here)
The Agency for Healthcare Research and Quality (AHRQ) research
provides evidence-based information on health care outcomes;
quality; and cost, use, and access. Information
from AHRQ’s research helps people make more informed decisions and improve the
quality of health care services. AHRQ was formerly known as the Agency for Health
Care Policy and Research. Choosing and using a health plan.
How
health insurance plans work (Click here):
This report discusses choices that a consumer has
to make, how to arrive at a purchasing decision and
how to use the plan once enrolled.
Checkup
on health insurance choices (Click here):
This report describes how to research the wide variety of plans
available and select the plan that best meets your needs. There is a wide variety
of choices available ranging from tightly controlled coverage to plans that
allow you to use the doctor of your choice. This report summarizes
issues to be considered during the decision making process. The report
also contains a glossary of important health insurance terminology.
Your guide to choosing
quality healthcare (Click here):
Quick Checks for Quality summarizes the major ways to evaluate plans, treatments,
doctors and hospitals.
 NOTICE! Some
forms are in the PDF format. In order to print this form, you must
have Adobe Acrobat Reader. This software is available for FREE
from the Adobe Acrobat Web Site. Click the icon below
and verify that
your version of Acrobat Reader is the most current version available.
We do not provide Technical Support for Acrobat Reader Software. For
technical support, contact Adobe.
SacramentoBenefits.com (Professional Capital Advisory and Insurance Services - Insurance License: 0B48240)
Copyright 2004 - Sacramento Benefits.com / Professional Capital Advisory and Insurance Services
Privacy Statement |
Insurance
Frequently Asked Questions And Buyers Guide