Health Insurance

26 What is the quality? • The California Department of Insurance can tell you how a company ranks in complaints. You can find out how long it takes to reach a real person when you call the company and how many complaints the company gets. We have a PPO Report Card with quality information about PPOs. Call 1-800-927-4357 or go to www.insurance.ca.gov . • The California Office of the Patient Advocate (OPA) has information on health insurance and provider quality, at www.opa.ca.gov. Applying for Health Insurance Applying for health insurance is easier than ever thanks to the Affordable Care Act. You can contact an insurer directly, speak with a licensed insurance agent, or use California’s health insurance marketplace - Covered California. What if my application is not approved? Health insurers that serve your area cannot deny your application. Look at cost, benefits, and quality. The most expensive plan may not offer the best quality of care. And the cheapest plan may not cover the benefits you need.