California Health Insurance for Unemployed: Get Temporary Gap Plans for Between Jobs
What’s a Good Health Insurance Plan for an Unemployed Guy in California?
If you’re at all like me, you’re probably going to want cheap temporary health insurance while you’re in between jobs. Finding California Health Insurance for unemployed people can feel tricky, especially for those accustomed to having amazing employer health benefits.
Kaiser Permanente California offers thirteen different private health plans, two of which are often selected by individuals who’ve lost coverage and need gap health insurance for a few months. Check out the plan recommendations below to see if the benefits described meet your medical needs. For more information, click California Individual Health Insurance Plans.
The $40/3000 Deductible Plan
Usually, people who’ve lost coverage and need health insurance between jobs are looking for affordability and value for the types of services they need most. The $40/3000 HMO Deductible Plan is currently the lowest-priced California Kaiser Permanente Individual Plan that covers office visits and prescription drugs for low copays right away. Also, there is no charge for routine preventive visits. If other services are needed, you would pay the full cost up to the $3000 deductible. After the deductible is reached, discounted fees would apply. The most you would pay out-of-pocket on this plan is a maximum of $6,000. Although the annual maximum is high, it tends to be a workable temporary option for those who need affordable California gap health insurance. Due to the low premium and first-dollar benefits for frequently-needed services, this plan tends to be a popular option for health insurance for unemployed people.
- • Like predictable copays for office visits and prescriptions.
• Need a private plan while waiting for new group health benefits to kick in, or are looking for health insurance between jobs.
• Are relatively healthy but would still like coverage in case of an emergency.
The $50/5000 Deductible Plan
This one is cheap! It’s important for California health insurance for unemployed to be cost-effective. The $50/5000 Deductible Plan is the most affordable Kaiser Permanente Individual Plan in California. It is a catastrophic type plan that would cover preventive services at the get-go, but all other services would be full charge up to the deductible. If the deductible is reached, discounted fees would start. The most you would pay out of pocket on this plan during the year is $7,500. The low premium makes this an attractive option for people who’ve lost coverage and need temporary California health insurance between jobs.
• Rarely see a doctor, and would like free routine checkups and preventive services.
• Need gap health insurance while waiting for group benefits to begin.
• Mainly need coverage for bigger-ticket medical expenses.
These two recommended plans can help someone save on their monthly premium. But also make sure that the plan benefits fit your situation. For more information on these or other Kaiser Permanente private insurance choices, visit www.kaiserquotes.com. For additional options, we recommend looking into Short Term Health Insurance, which is often the most affordable option.