Health Insurance

Individual and Family

Choose the health insurance plan that is best for you and your family. Need help deciding which plan is best for you? Contact us by phone or email, and one of our insurance brokers will be happy to assist you.

What Kinds of Private Health Plans
Can I Choose From?

There are plenty of individual health insurance plans to choose from. Here are the most common types:

• HMOs (Health Maintenance Organization).
  Health maintenance organizations are defined partially by its network of physicians and facilities. From this list, you choose a primary care physician, who is then responsible for your health care as well as for making referrals to specialists and approving any further medical treatment necessary. Usually, your choice of doctors and hospitals is limited to those on the list – since they have agreements with the HMO to provide your health care. However, exceptions may be made in emergencies or when medically necessary. Generally, the health care services offered will require you to make a co-payment. There are both advantages and disadvantages to HMO’s, and if you are struggling with how to evaluate the quality of an HMO plan, or if you need to compare an HMO versus PPO allow one of our insurance professionals to assist you.

• PPOs (Preferred Provider Organization).
  The PPO is an affordable individual health insurance plan with an added benefit — you’ll have coverage with any health care provider. That means you can see any doctor or specialist you want, and your plan will cover the care. The PPO is great for flexible, comprehensive, and affordable health care.

• Health Savings Account (HSA) Plans.
  There are 2 parts to HSA coverage; a high-deductible plan and a Health Savings Account. The high-deductible plan provides catastrophic coverage and features low monthly premiums. The HSA is a tax-free savings account where you save money to pay for routine medical expenses.

Understanding the Cost of
Personal Health Insurance Plans…

Which health plan costs do you need to know about your individual health insurance plan?

Your Premiums…
Your premiums are payments you make to keep your plan in effect. Usually, premiums are paid each month. Premiums are set by your insurance company based on factors such as health status, age, where you live, and where you work.

Your deductible…
The deductible is the dollar amount you’ll be responsible for before your plan begins coverage. Most individual health insurance plans let you choose your own deductible, so how do you choose the amount that’s best?

It might seem like a lower deductible would be better. But a low deductible means you’ll have to pay higher monthly premiums. It works the other way too — the higher your deductible, the lower your month’s bills. You’ll have to decide if you want lower monthly premiums or lower medical bills for your health care.

Copayments and coinsurance…

If you have an individual HMO, you might pay $15 at the doctor’s office for a check-up. That’s called your Copayment. You pay a certain dollar amount of the bill and your plan covers the rest. HMOs offer copayments as low as $10, while individual PPOs often charge copayments of $40 or less.

Coinsurance is similar to a copayment, except it’s expressed as a percentage rather than a dollar amount. A coinsurance rate of 80/20 means you’ll be responsible for 20% of a medical bill.

Which Individual Health Insurance Plan
Is Right For Me?

As you look for an individual plan, you might be asking yourself, “What plan is right for me? Which plan do people like me choose?”

If you’re a person who is in good health, you might want to consider a high-deductible PPO that’s compatible with a Health Savings Account. This option is best for people who don’t visit the doctor often, and are looking for major medical coverage.

If you’d rather have more comprehensive individual health insurance coverage, such as preventive care coverage, consider a PPO or HMO plan with a lower deductible. You might not be able to use an HSA, but you’ll have coverage for routine doctor’s office visits and other preventive care. Typically, you’ll pay between $0 and $50 for a doctor’s office copayment depending on your plan. With this type of plan, you’ll also have major medical coverage.

Group Health

If you are a Partnership, LLC, or Corporation in California, we may be able to help you save on your Group Health Insurance.

Let us show you guaranteed issue health insurance plans to save your Business time and money. Shopping for Group Health Insurance has never been easier or more convenient. We offer a wide selection of the biggest and best names in the business. With over 700+ group insurance plans from major California Health Insurance Companies in our database, we are confident in finding a plan that will offer you the most value for your insurance dollar.

Medicare Supplements

Medicare Supplement, PPO plans, Medicare Advantage, Part D Prescription are all about “YOU”, your Doctors, medications and budget.

Choosing your supplemental Medicare Insurance options can be very confusing. Let us review with you a tailored solution for your Medicare Supplemental Senior Health care needs. There are zero premium PPO plans that may be just what you are looking for.

Dental

Although the thought of sitting in a dentist’s chair makes some people anxious, the potential cost also drives many away. Thanks to California Individual Dental Insurance packages, everyone can get dental health care at affordable prices.

At first glance, dental insurance packages may not differ much from one another, but the truth is, different insurance packages vary in several aspects. They can differ based on the price, the coverage, and the nature of the package itself.

We look forward to assisting you with your Dental Health Insurance

Medicare Advantage Part D

Request a Free Medicare Advantage Quote and Consultation Today!

These are health plan options approved by Medicare and offered by private companies. These plans are part of Medicare and are sometimes called “Part C” or “MA Plans.” Medicare Advantage Plans provide your Medicare health coverage and usually with Medicare drug coverage. They are not supplemental insurance.

There are 5 basic types of Medicare Advantage Plans, though not all types are available in all areas:

• Health Maintenance Organizations (HMO)
• Preferred Provider Organizations (PPO)
• Private Fee-for-Service (PFFS) Plans
• Special Needs Plans (SNP)
• Medical Savings Accounts (MSA)

We will help you find the Medicare Advantage, Medicare supplement, or Medicare Part D plan that best fits your needs.