Can I buy a single California health insurance policy that will provide all the benefits I’m likely to need?

No. Although you can select a California health plan such as a Blue Cross of California plan or buy a policy that should cover most medical, hospital, surgical, and pharmaceutical bills, no single policy covers everything. Moreover, you may want to consider additional single-purpose policies like long-term care or disability income insurance. If you are over 65, you may want a Medicare supplement policy to fill in the gaps in Medicare coverage.

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