It’s hard to compare the plans side by side because of the diversity populations they serve and lack of data on some of the health insurance companies. Much of the information about the different health plans and companies is spread out over several different agencies, reports and websites.
The whole issue of medical underwriting, and why an applicant is declined, can frequently be a mystery to both the individual and the broker. It was refreshing to hear a discussion from the insurer of what system they were using for the determination of issuing a health insurance policy.
Western Health Advantage (WHA), a regional HMO serving the greater Sacramento region, introduced 3 new individual health insurance plans for their service area in northern California. Up until this time, WHA has focused solely on the small and large group market. Their individual plans will reflect their existing network of hospitals and doctors.