California Health Insurance Quotes and Blog

 Parents purchase California health insurance for their son while he’s enrolled in the Agriculture Program at UCLA — just in case.

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Trevor Young came from a nice maggot-farming Mormon family just north of Pocatello.. Blonde, Trevor was quite the handsome country boy, when he headed off to UCLA to study Agriculture. In his pocket was his “trick” for impressing young women, a sample from his Idaho farm. “Maybe I’ll meet somebody to marry up with,” he told his mother, a stout matronly sort. “Are you bringing your little box?” she asked sweetly. “Of course,” Trevor said, “It’s the best lure I got.” His mother nodded. “If she doesn’t like your little box, then she’s not good enough for my boy,” Trevor’s mother opined. She and her husband Hyrum had also gifted their son with health insurance coverage purchased from a California Health Insurance agent. “We won’t worry so much,” she told her ninth-born.

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Once on campus, Trevor settled in. One of his roommates noticed the little box. Left unattended on a bureau top, it was oval, smelled of chocolate on the outside, and was purple. “What’s in this Farm Boy?” the guy asked. Max Weinart was a junior majoring in International Finance from the Bronx and guessed precious jewelry, like a ring, was in it.

“It’s for a special girl,” Trevor explained, implying to Max that the contents were none of his business. Max nodded, assuming he’d guessed right.

A few weeks later at a formal soiree, Trevor met that “special” girl, Karen. Big-boned but pretty, she hailed from Jersey. She later regretted popping the question. “What kind of farming does your family do?”

“Wait, I’ll show you.” Out came the box, the one that had so intrigued the girls from north of Pocatello. Karen gasped at the contents in horror, screamed and reflexively punched, smacking Trevor in the jaw and knocking him cold.

While recovering in the UCLA Medical Center, with his jaw expertly wired, Trevor spoke through clenched teeth. “I got insurance,” he told Max, who’d come to visit.

“I heard what happened,” he said, “But why did you show that girl a box of dead maggots?”

“It was my fault,” Trevor admitted, “the live ones are so pink and beautiful.  I should have figured that when I’m home, they keep better.”

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Moms to be unable to afford California health insurance coverage may qualify for the Access for Infants and Mothers Program (AIM) or else the Medi-Cal Income Disregard Program, both administered by the State of California.

If the Terminator’s controversial budget cuts somehow spare them, two health insurance options that financially struggling pregnant moms to be might target is AIM – The Access for Infants and Mothers program, a health insurance program administered by the State of California that is not a Medi-Cal program, and one that is, the Medi-Cal Income Disregard Program.

AIM provides full coverage private health insurance at low cost to pregnant women during pregnancy as well as a full two months beyond into post-natal. To be eligible, the family’s income must fall between 200% and 300% of the Federal Poverty Level amount as configured by the size of the applicant’s family. Property limits do not apply. Applications are accepted at local Social Service Agency Intake offices where an appointment with an Information Supervisor is appropriate.

Although the Income Disregard Program has a lower income threshold for eligibility, it involves considerably more "red tape." Pregnant women seeking "Income Disregard" coverage must apply in person by visiting one of the Social Service Agency Intake offices and filling it out an application or calling an Intake office and asking for a mail-in-Medi-Cal application. Again, the Information Supervisor is the key contact person. But to "disregard" your income, you first must prove that you don’t have any, more or less. Applicants must provide proof of identity, proof of pregnancy, proof of Social Security number, proof of immigration status, proof of California residency, and perhaps most crucially, proof of income. So expect to bring along a slew of documents to your interview.

Requirements are stringent because the Income Disregard Program is true to its name. To eligible pregnant women, this special Medi-Cal program provides prenatal and postnatal care to pregnant women at no cost. But pregnant women applying for this program must be fully evaluated by an Eligibility Worker (EW) at one of the Intake offices and determined to have a share of cost. A share of cost is roughly equivalent to a monthly deductible. It is the amount for medical expenses that a Medi-Cal beneficiary must pay or be obligated to pay prior to any reimbursement for medical expenses by Medi-Cal. Also, the net nonexempt family income must not exceed 200% of the Federal Poverty Level while eligibility can begin no earlier than the first day of the month the pregnancy is reported.

A pleasant afternoon of Temecula Valley wine tasting is ruined by killer bees, but Chris and Sally Sadhart were at least prepared for the stinging contingency by their California Health Insurance agent.

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Wine Tasting

Chris and Sally would never have thunk it. They were an amorous and amiable couple, married for the better part of three years, prudent in the extreme, and were headed out to Temecula for a pleasant sojourn of wine tasting. “The tour will be fun,” Sally said, “and the local wines are superb.”

But there were so many wineries to choose from. Finally, a fateful decision was made. They turned their 2007 Toyota Tundra into the driveway and parked.

The tour began pleasantly enough. Harry, their guide and waiter, brought over twin tasting glasses of Syrah. “It’s a dry red table wine,” he said, “very nice.”

“Very nice,” Chris and Sally echoed in unison. The afternoon was perfect. A cloudless sky, not excessively hot, a little breeze was blowing at low levels near the ground, like a miniature headwind. It felt good on the skin.

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Next was a Cabernet Sauvignon. “This one is mild, note its deep red color, and its blackberry aroma,” the suave Harry said, dressed in a lavender Tuxedo, to accent certain flavors.

“Wow,” said Sally, “this is wonderful!”

“Indeed,” echoed Chris.

Harry interjected a factoid to make the couple’s experience yet more delicious. “Were you aware that this Sauvignon is aged in oak barrels for 18 months prior to bottling?”

He didn’t say that the particular oak tree on the premises used by the winery for bottling had been destroyed because it had been infested by killer bees.

“No, we weren’t aware,” Chris replied a little too loudly and emphatically.

The Zinfandel arrived next at their outdoor table. “This white dessert wine doesn’t age well, I’m afraid,” he spoke a second prior to the look of pure fear becoming apparent on his features.

At the worst possible moment, the Sadharts began arguing.

“It’s spicy,” said Sally.

“You’re wrong. It’s fruity!” Chris yelled with altogether too much emphasis.

The swarm of killer bees, guided to their table by the current of the micro-breeze and the vibrations of their arguing and possibly by Harry’s colorful if incongruous attire, began stinging the couple again and again. This did not feel good on the skin.

The Sadharts were fortunate that Harry had once been an ambulance driver and that an Urgent Care center was very close, and especially that the bills were taken care of.

“It was prudent of us to obtain emergency coverage from a California Health Insurance agent,” Sally purred through swollen lips a few days later. “We were extremely prudent, dear, although we’ll be in agony for the next few weeks.”

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