I'm a college student in california who needs to find a replacement for the health insurance offered by the school. I was thinking about going with tonik.
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There are two kinds of long term care insurances the individual long term care and the group long term care, as the names suggest the individual long term care insurance involves the insurer and the insured person. These kind of individual health policies need to be approved by the California department of insurance. Where as group health policy involves a group and the insurer. Normally group insurances are always priced less than the individual policies. The same applies here too.
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