Financial Guide

List of Insurers Providing Health Insurance Coverage

Unveiling the World of Health Insurance Providers

The following insurance companies are currently licensed to provide health insurance coverage. While they are licensed, they may not be currently selling new policies. Please contact the companies directly to inquire about available coverage. This list is for informational use only. It should not be interpreted as a recommendation by the California Department of Insurance.

Select the company name below to view the company’s profile or follow the link to visit the company’s Web Site.

Company NamePhone NumberWeb Site
4 Ever Life Insurance
Aetna Life Insurance
American National Insurance
American National Life Insurance of
American States Insurance
Anthem Blue Cross Life and Health Insurance
AXA Equitable Life Insurance
Blue Shield of California Life and Health Insurance
CIGNA Health and Life Insurance
Cincinnati Life Insurance
Connecticut General Life Insurance
Delaware American Life Insurance
Genworth Life Insurance
Golden Rule Insurance
Guardian Life Insurance Company of
Health Net Life Insurance
John Hancock Life Insurance Company (U.S.A.)
Kaiser Permanente Insurance
Liberty Mutual Insurance
Massachusetts Casualty Insurance Company800-462-9897 
Metropolitan Life Insurance
Mony Life Insurance
Mutual of Omaha Insurance
National Benefit Life Insurance
National Foundation Life Insurance Company of
National Health Insurance
New York Life Insurance
Nippon Life Insurance Company of
Prudential Insurance Company of America800-828-0153 
Sierra Health And Life Insurance Company,
State Farm Mutual Automobile Insurance
Teacher’s Insurance and Annuity Association of
Thrivent Financial for
Transamerica Life Insurance
Trustmark Insurance
United HealthCare Insurance
United States Life Insurance Company in the City of New

In the realm of healthcare, one essential aspect that cannot be overlooked is health insurance. California, being a state of immense diversity and unique healthcare needs, boasts a multitude of health insurance providers. This article is your ultimate guide to understanding and choosing the right health insurance provider in the Golden State.

When it comes to healthcare, Californians have a plethora of options. This article will delve into the complexities of health insurance, helping you make an informed decision regarding your health and well-being.

What is Health Insurance?

Health insurance is a financial safety net designed to help individuals and families cope with the high costs of medical care. It offers a range of services that vary from one provider to another. In essence, it ensures you have access to quality healthcare without bearing the full financial burden.

The Importance of Health Insurance

Health insurance is not just a financial tool; it’s a lifeline. Here’s why it’s essential:

  • Financial Security: Health insurance protects you from unexpected medical expenses.
  • Access to Quality Care: It ensures you can access medical professionals when needed.
  • Preventive Care: Most plans cover preventive services, keeping you healthier in the long run.
  • Peace of Mind: Knowing you’re covered in case of illness or injury brings peace of mind.

Types of Health Insurance Plans

Health insurance plans in California come in various forms, each catering to different needs and preferences:

1. Health Maintenance Organization (HMO)

HMO plans require you to select a primary care physician, and referrals are needed to see specialists. They often have lower out-of-pocket costs.

2. Preferred Provider Organization (PPO)

PPO plans offer a broader network of healthcare providers, and you can see specialists without referrals. However, they usually have higher premiums.

3. Exclusive Provider Organization (EPO)

EPO plans to combine elements of both HMO and PPO plans. They have a preferred network of doctors and hospitals.

4. Point of Service (POS)

POS plans let you choose a primary care physician and require referrals to see specialists. They provide out-of-network coverage.

Choosing the Right Health Insurance Provider

Selecting the ideal health insurance provider is crucial. Consider these factors:

  • Network: Ensure your preferred doctors and hospitals are in-network.
  • Coverage: Review what services are covered, such as prescriptions, maternity care, or mental health services.
  • Cost: Compare premiums, deductibles, and out-of-pocket costs.
  • Quality: Research the provider’s reputation and customer reviews.
  • Additional Benefits: Some providers offer wellness programs or telehealth services.

How to Apply for Health Insurance

Applying for health insurance in California is a straightforward process:

  1. Visit the Covered California website.
  2. Create an account and complete the application.
  3. Compare available plans and choose the one that suits your needs.
  4. Confirm your eligibility for subsidies.
  5. Pay your first premium to activate your coverage.


In the dynamic world of health insurance providers in California, making an informed choice is paramount. By considering your specific needs, evaluating different plans, and conducting thorough research, you can secure a health insurance plan that caters to your well-being.


1. What are the key benefits of health insurance?

Health insurance provides financial security, access to quality care, preventive services, and peace of mind in case of illness or injury.

2. How do I find a doctor within my health insurance network?

You can search for in-network doctors on your health insurance provider’s website or by calling their customer service.

3. What is the open enrollment period for health insurance in California?

The open enrollment period typically runs from November 1st to January 15th, but it’s essential to check for any updates or changes.

4. Can I change my health insurance plan after enrolling?

You can make changes during the open enrollment period, or if you qualify for a special enrollment period due to certain life events.

5. Is dental and vision care covered by health insurance?

Most health insurance plans offer dental and vision coverage as optional add-ons. Be sure to check the details of your plan.

Leave a Reply

Your email address will not be published. Required fields are marked *

Back to top button