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Population: 36,457,549
(Source: U.S. Census Bureau)
Uninsured: 6,663,000
(Source: U.S. Census Bureau)
Health Benefits Direct is a licensed insurance broker for California health insurance policies. Click here to view our registration with the California Office of Insurance. (We're listed as HBDC) |
California has the highest number of uninsured in the U.S.
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Health Insurance News in California
Buying Individual Insurance Policies in California
State regulation of individual health insurance differs greatly from state to state. For you, this means certain conditions or providers covered in one state may not be covered in another.
Each state has its own health insurance mandates. Those mandates require that insurance companies and health plans cover, or offer coverage for, certain conditions, benefits, providers and patient populations.
Here is a list of mandated and non-mandated conditions, covered persons and providers in California:
(Source: Health Insurance Mandates in the States 2008¹, Council for Affordable Health Insurance. Last updated Jan 2008.)
| Mandated (Covered) Conditions |
Non-Mandated Conditions |
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- Alcoholism
- Blood Lead Poisoning
- Bone Mass Measurements
- Breast Reconstruction
- Cervical cancer/HPV Screening
- Clinical Trials
- Contraceptives
- Dental Anesthesia
- Diabetes Self Management
- Diabetic Supplies
- Drug Abuse Treatment
- Emergency Services
- Home Health Care
- In Vitro Fertilization
- Mammogram
- Mastectomy
- Mastectomy Stay
- Maternity
- Maternity Stay
- Mental Health General
- Mental Health Parity
- Off-Label Drug Use
- Orthotics/Prosthetics
- Other Infertility Services
- PKU/Formula
- Prostate Cancer Screening
- Second Surgical Opinion
- Well-Child Care
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- Alzheimer's
- Ambulatory Surgery
- Ambulance Services
- Anti-Psychotic Drugs
- Autism
- Birthing Centers/Midwives
- Blood Products
- Bone Marrow Transplants
- Cancer Medications
- Chemotherapy
- Chlamydia
- Cleft Palate
- Colorectal Cancer Screening
- Congenital Bleeding Disorders
- Early Intervention Services
- Habilitative Services
- Hair Prostheses
- Hearing Aid
- Hospice Care
- HPV Vaccine
- Kidney Disease
- Long Term Care
- Lyme Disease
- Minimum Hysterectomy Stay
- Minimum Testicular Cancer Stays
- Morbid Obesity Treatment
- Neurodevelopment Therapy
- Newborn Hearing Screening
- Newborn Sickle-Cell Testing
- Ostomy Related Supplies
- Ovarian Cancer Screening
- Port-wine Stain Elimination
- Prescription Drugs
- Psychotic Drugs
- Smoking Cessation
- Rehabilitation Services
- TMJ Disorders
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| Mandated Covered Persons |
Non-Mandated Covered Persons |
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- Adopted Children
- Continuation/Dependents
- Continuation/Employees
- Conversion to Non-Group
- Handicapped Dependents
- Newborns
- Domestic Partners
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- Dependent Students
- Grandchildren
- Non-Custodial Children
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| Mandated (Included) Providers |
Non-Mandated Providers |
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- Acupuncturists
- Chiropractors
- Dentists
- Nurse Midwives
- Nurse Practitioners
- Occupational Therapists
- Optometrists
- Podiatrists
- Professional Counselors
- Psychiatric Nurse
- Psychologists
- Public or Other Facilities
- Social Workers
- Speech or Hearing Therapists
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- Chiropodist
- Denturists
- Dieticians
- First Nurse Assistant
- Lay Midwives
- Licensed Health Professional
- Marriage Therapists
- Massage Therapists
- Nurse Anesthetists
- Naturopaths
- Nurses
- Opticians
- Oral Surgeons
- Osteopaths
- Pain Management Specialist
- Pastoral Counselor
- Pharmacists
- Physical Therapists
- Physician Assistants
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Although health insurance coverage for a particular condition or provider may not be mandated in your state, insurance carriers may still provide coverage for the condition or provider. Please keep in mind that major medical health insurance plans are subject to health underwriting and that mandates do not necessarily guarantee coverage. If you're not sure whether you could receive coverage, one call to Health Benefits Direct can help you determine if you're eligible to buy an individual health insurance policy in California.
Health Benefits Direct provides free health insurance quotes on affordable health insurance plans for California residents. We work with highly rated insurance carriers to deliver quality health insurance plans to families and individuals across California.
¹Authors: Victoria Craig Bunce & JP Wieske
Please note that information contained on this page can change at any time. Consequently, while we seek to present as up-to-date information as possible, Health Benefits Direct in no way warrants the accuracy of the information.
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