Best Health Insurance Agencies in Folsom, CA

Folsom, CA Health Insurance FAQs

• Can you still get an affordable health plan in Folsom if you have a medical condition?

  Under the Affordable Care Act, no insurer is required to charge you extra or deny coverage based on your medical condition. Therefore, you can get affordable health plans in Folsom even with your condition. However, the ACA rule is not imposed on "grandfathered" individual health insurance. These "grandfathered" plans are those sold by private insurance companies on or before March 23, 2010.

• Are their health care services for Folsom individuals who are not eligible for Medi-Cal or similar programs?

  Yes, Sacramento County has programs for Folsom individuals otherwise ineligible for Medi-Cal or similar programs. These programs are Healthy Partners and County Medically Indigent Program (CMISP). For questions on eligibility, call Primary Health Services at 916-874-9238 or the County Health Clinic at 916-874-9670. Applications can be obtained from: Primary Care Clinic and Pharmacy 4600 Broadway, Sacramento, CA. 95820​

• Can you enroll in a health plan at any time in Folsom?

  It depends. An imposed open enrollment period—usually from November 1 to January 31—for new health plans. Outside this period, you cannot enroll in a new plan in Folsom unless there is a qualifying event, which necessitates coverage as soon as possible. These events include getting married, losing employer-based health insurance, adopting a child, or moving to California. In these cases, you have 60 days to enroll in a new plan since the qualifying event happened.

• What can you do if your doctor in Folsom does not accept Medicare?

  Try to search Medicare's healthcare directory and research the doctors listed. Remember to call before visiting their office to confirm if they accept Medicare. If you think you can no longer afford the fees of your doctor, try asking them for a referral to a Folsom doctor who accepts Medicare. Consider visiting an urgent care center, as these institutions accept Medicare.

• Does vision insurance in Folsom offer discounts on services?

  One type of vision insurance in Folsom—the product and discount plan—simply gives discounts on qualified benefits, usually in percentages, some up to 20%. The discount benefits of such a plan can be for annual eye exams, prescription lenses, eyeglasses, and contact lenses. This plan can be an advantage because of its one-time low yearly cost. Families can get even lower costs compared to individual plans. Some of its disadvantages are limited benefits and higher out-of-pocket expenses.