Special Health Topics and Resources
Health Information Guides
The California Department of Insurance (CDI) has developed several guides for health insurance-related information for your use.
- A Consumer's Guide to Health Insurance
- Health Care Providers Guide to the Complaint Process
- Long-Term Care Rate & History Guide
- The Independent Medical Review program
- Guide to Medicare Supplement Rates and related Links
- HIV/AIDS Guide
- 2021 Fact Sheet on Expansion of Coverage for Mental Health and Substance Use Disorders
Read about how California protects consumers from surprise medical bills when using in-network health facility and receive care from an out-of-network provider without their consent.
AB 1932 (Skinner -Chap. 567, Stats. of 2014) requires health plans and health insurers that issue, sell, renew, or offer specialized dental health insurance policies to file a report on their Medical Loss Ration (MLR). Please see this page for a posting of dental MLR reports filed with CDI.
The Affordable Care Act requires that most health policies and health plans sold in California include a minimum package of benefits. In June of 2012, the Insurance Commissioner held a public informational hearing to get feedback on what California's essential health benefit package should look like. This information helped the Commissioner make recommendations to the legislature as they determined what would become California's essential health benefit package. Visit this page to see a video of the hearing. In addition, you can download the hearing's written transcript and other materials that were used.
When you buy a health insurance policy, it is the insurer's responsibility to make sure that you have reasonable access to a sufficient number of providers and hospitals. These providers and hospitals are also known as your network. Visit our Provider Network Adequacy page for more information and to stay up to date on the most recent changes. Visit our Provider Network Adequacy web pages for more information.
CDI works hard to make sure that children with autism have the health benefits available to them under the law. See what CDI has done to ensure coverage for Autism Spectrum Disorder.
CDI takes insurance fraud seriously. CDI's Insurance fraud division is tasked with protecting the public from economic loss and distress by actively investigating and arresting those who commit insurance fraud with a goal of reducing the overall incidence of insurance fraud through anti-fraud outreach to the public, private, and governmental sectors.
For more information view our Insurance Fraud is a Felony guide.
Prescription Drug Premium Impact Reports
CDI prepares an annual report regarding the impact of prescription drug costs on health insurance premiums. This report is prepared pursuant to Insurance Code §10123.205 (Senate Bill 17, 2017).