Blue Shield of California Health Insurance – For Your Healthy Future

In times of illness or unexpected disability, do you have the necessary insurance for your medical care?  Affordable Blue Shield of California health insurance is available for you or your entire family.  It is possible to find insurance that is tailor-made to your specific needs.  The best private insurance programs cover routine, preventive, and emergency care, along with prescription coverage.  If your workplace does not offer a group plan, you may purchase Blue Shield insurance from a private California company.  Since healthcare costs keep going up, it is best to enroll in a plan now. 
 
Before medical expense insurance became available, patients had to pay for all medical and health care expenses on their own.  In the late 19th century, ‘accident insurance' became available.  It was similar to modern day disability insurance.  Franklin Health Assurance Company of Massachusetts was the first company to offer accident insurance in the United States.  It was founded in 1850, and mainly covered steamboat and railroad injuries that resulted from accidents.  Soon after, hospital and medical expense policies became available.  Individual hospitals started offering services if a person had prepaid.  This led to the forming of Blue Cross Organizations.  Blue Shield of California health insurance has come a long way.
 
The idea of paying a premium for an unexpected medical expense forms the base of all Blue Shield of California health insurance plans.  Blue Cross and Blue Shield are two of the leading companies that offer health insurance to California residents.  You can get free online quotes from agents when you fill out a short form.  Talking to an agent, who is an insurance expert, will help you from feeling overwhelmed by the options and plans available.  Generally, companies offer HMO, PPO, and POS plans.  Not all of these plans include prescription drug coverage, but they can be added.
 
HMO plans are the best if you want little out-of-pocket expense.  They are better for families who have a primary care physician, or a pediatrician who sees all of the kids in the family.  HMO's simplify your Blue Shield of California health insurance.  PPO programs are best for those who like more options, and already have a chronic condition and a favorite doctor.  If you are a proactive person who seeks preventative care, there are specialized plans available.   An abundance of health insurance information is accessible for reading online.  If you desire to contact a health insurance agent, ask lots of questions so that you can make an educated decision about your medical insurance.