Health Insurance

Page 4 Health Insurance Basics 6 Health Insurance Benefits 9 Health Insurance Costs Ways to Get Health Insurance in California 11 Group Health Insurance 13 If You Lose Your Group Health Benefits 15 Buying Individual Health Insurance on Your Own 17 Programs for People with Low Incomes Types of Health Insurance 18 Preferred Provider Organizations (PPOs) 19 Exclusive Provider Organizations (EPO’s) 20 Health Maintenance Organizations (HMOs) 23 Other Types of Health Coverage 25 Shopping for Individual Insurance 27 Know Your Rights and Responsibilities 29 Health Care Reform 30 What to Do if You Have a Problem with Your Policy 32 Resumen en Espanol-Spanish Overview 33 Common Terms 36 For More Information 37 Talk to the Department of Insurance Table of Contents