David Fluker Insurance Services
Gilroy, CA - Serving California Residents Since 1995
CA License # 0B58920
Health Insurance Medicare Supplements Medicare Advantage Small Business Plans Senior Dental & Vision Plans Life Insurance
The Instant Quote program on the right provides comparative quotes from multiple insurers.
If you are only interested in health plans by a specific carrier, click on the specific insurance company logo above to obtain quotes from just that insurance carrier.
If you are only interested in health plans by a specific carrier, click on the specific insurance company logo above to obtain quotes from just that insurance carrier.
All Instant Quote information is private and is only seen by me. I will only contact you if you specifically request it.
Instant Quotes available from multiple insurance companies for Individual, Family, Child-only and Medicare Supplements
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Health Insurance help is only a click away!
Your information will be kept confidential and you will only be contacted by me.
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David J. Fluker, Licensed Life & Health Insurance Agent. California State License # 0B58920
Authorized Independent Agent Serving California Residents.
Web Site ©1999 - 2012 by David Fluker - David Fluker Insurance Services. All Rights Reserved.
Authorized Independent Agent Serving California Residents.
Web Site ©1999 - 2012 by David Fluker - David Fluker Insurance Services. All Rights Reserved.
Anthem Blue Cross is an independent licensee of the Blue Cross Association (BCA). The Blue Cross name and symbol are registered service marks of the BCA.
Blue Shield of California Life & Health Insurance Company is an independent licensee of the Blue Shield Association.
Blue Shield of California Life & Health Insurance Company is an independent licensee of the Blue Shield Association.
Child-Only Health Insurance for California Residents
This Page is currently under construction
One of the provisions of PPACA (Health Care Reform) requires that children under age 19 be allowed to purchase individual health insurance coverage without being denied due to pre-existing health conditions.
While many states do not offer plans to children under 19, California established law under AB 2244 to ensure that health insurance companies selling plans in California be required to provide child-only coverage for major medical insurance.
While individual health insurance coverage is guaranteed-issue for children under 19, it is important to understand how the process works.
Children under 19 may apply for an individual health plan by themselves (without a parent needing to be on the plan). Children apply using a special application (online or paper depending on carrier) which will include information regarding the child's status as having a qualifying event, late enrollee or birth month in the event the plan needs to be guarantee issued.
The application will be underwritten just like any other application and the insurance carrier will determine whether or not the child is an acceptable risk. If the risk is acceptable, the policy will be issued just like any other policy. If the risk is deemed to be too great and the applicant-child is denied, then the provisions of guarantee issue come into play.
When issued by guarantee (applicant-child was denied), there can be two rating levels available (these vary by carrier).
* If the child has a qualifying event, is considered a "late enrollee" or is in their birth month, the carriers generally issue the policy at 2X the standard premium on guaranteeed-issue.
* If the child does not have a qualifying event, is not considered a "late enrollee" and is not in their birth month, the carriers generally issue the policy at approximately 4X the standard rate and can impose a 20% surcharge on top.
I will be adding more information regarding enrollment periods, eligibility and application paperwork soon.
While many states do not offer plans to children under 19, California established law under AB 2244 to ensure that health insurance companies selling plans in California be required to provide child-only coverage for major medical insurance.
While individual health insurance coverage is guaranteed-issue for children under 19, it is important to understand how the process works.
Children under 19 may apply for an individual health plan by themselves (without a parent needing to be on the plan). Children apply using a special application (online or paper depending on carrier) which will include information regarding the child's status as having a qualifying event, late enrollee or birth month in the event the plan needs to be guarantee issued.
The application will be underwritten just like any other application and the insurance carrier will determine whether or not the child is an acceptable risk. If the risk is acceptable, the policy will be issued just like any other policy. If the risk is deemed to be too great and the applicant-child is denied, then the provisions of guarantee issue come into play.
When issued by guarantee (applicant-child was denied), there can be two rating levels available (these vary by carrier).
* If the child has a qualifying event, is considered a "late enrollee" or is in their birth month, the carriers generally issue the policy at 2X the standard premium on guaranteeed-issue.
* If the child does not have a qualifying event, is not considered a "late enrollee" and is not in their birth month, the carriers generally issue the policy at approximately 4X the standard rate and can impose a 20% surcharge on top.
I will be adding more information regarding enrollment periods, eligibility and application paperwork soon.
800-509-0659
408-847-6139
408-847-6139
Authorized Independent Agent
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