California Health Insurance Quotes
California Healthcare Reform 2014
Find affordable health insurance for a lower cost than you might imagine.
The Supreme Court has spoken! They have upheld the law requiring every individual in the United States to secure qualifying health insurance coverage by January 2014 or pay a tax penalty. Don't be among those individuals that will wait until the last minute to comply with the law. Don't give the federal government a dime of your hard earned money! Providing health insurance for you and your family protects you from financial devastation as a result of a catastrophic event such as hospitalization and allows you to take advantage of the no charge preventive benefits that all plans offer to keep you healthy. We've made it easy to shop securely online to find just the right plan for you and your family. It's safe, easy and affordable to obtain health insurance coverage today! Get your free instant health insurance quotes from us. If you like what you see, apply online now. If you need assistance, we are here to help. Call us at (800) 560-2443 or send us an email.
Choosing a Medical Plan
Medical Insurance Plans for Families, Individuals and Students
For those of you who haven't researched health insurance plans and benefits lately, you could be in for a rude awakening. Plans today include a wide range of benefits but you'll want to know exactly what the plan covers before you buy. The cost of health insurance can be expensive but there are things you can look for in various products that will give you just the right amount of coverage to maximize your health care dollars.
Every consumer should not only be looking at the annual deductible, but they should also be looking at the out of pocket maximum (also known as oop). The out of pocket maximum is the maximum amount that you will pay in one calendar year (JAN – DEC) if something catastrophic (like hospitalization) happens to you. Some plans out of pocket maximum includes the annual deductible and with some plans, you need to add the annual deductible to the out of pocket maximum in order to determine what your potential out of pocket costs could be if you were to suffer something catastrophic. This is very important to know.
Review the benefit details and the plan brochure to see how exactly the plan works. If you really want to see the very detailed plan benefits, ask to see the specific plans Evidence of Coverage.
When researching a plan, look to see if there is a limitation to the number of doctor office visits. Plans that limit the number of office visits are generally less expensive.
Review the prescription benefits. Most companies utilize a drug formulary list. Depending upon how the specific drugs are displayed or not displayed on the list determines the price you will pay for those prescription drugs. Note that most brand drugs will be subject to a separate annual brand drug deductible before the brand drug co-payment will apply. Plan brand drug prescription deductibles can be as low as $250 or as high as $7500. Generic drugs are not subject to the annual brand drug deductible. Inquire into how your specific prescription drugs will be covered under a plan you are considering. Plans offering a high prescription drug brand deductible or that offer generic only prescription drug coverage tend to be less expensive.
When reviewing other benefits and when you come across a benefit with a percentage (example inpatient hospital 40% or outpatient hospital 40%) it usually represents your share of costs after you have satisfied the plans annual deductible. After your annual deductible, you will be billed at this percentage (based on a negotiated rate) until you reach the plans out of pocket maximum. Once the out of pocket is met, most of the services are covered at 100% for the duration of that calendar year.
One last thought. We are in the midst of health care reform. Insurance Plans are subject to change any time in order to remain compliant with health care reform laws. It pays to ask questions and compare your plan benefits at least once every two years. You'll be glad you did. Stay on top of healthcare reform up and coming changes and remember, a knowledgeable consumer is a smart consumer! Get covered California!
Individual & Family Health Insurance Plans
We work with many health insurance companies in California
As a consumer, you have many plans to choose from. We offer individual and family HMO and PPO plans through Anthem Blue Cross of California, Blue Shield, Health Net, Aetna, Cigna and Kaiser Permanente. There are plans available to meet a wide variety of needs. Whether you are in between jobs, self employed, a student, no longer eligible for your parent's group plan or seeking an alternative to a group plan or limited health benefit policy. We are available to assist you. From low cost catastrophic coverage to higher priced comprehensive benefits, we can meet your needs and budget. We've been helping California residents find affordable health insurance for over 22 years. Call us at (800) 560-2443 or email us at any time at firstname.lastname@example.org.
California's Most Popular Plans
Anthem Blue Cross Clear Protection Plans
The ClearProtection Plus plan offered by Anthem Blue Cross is one of the lowest priced Individual PPO health insurance plans available in California. This plan is very popular for those who rarely go to the doctor and for those who are looking to protect themselves from a major catastrophic event like hospitalization. This product gives you the best of both worlds. It gives you the essential benefits you need at a very affordable price.
Health Net PPO Health Plans
These two plans are the lowest priced PPO plans that Health Net offers. These are not just popular major medical insurance plans because of the price, but for the comprehensive benefits they provide. They include the no charge annual physical exams and they have a limitation to the number of office visits per calendar year. They have a higher coinsurance percentage and overall higher out of pocket costs to keep the premiums affordable.
Cigna HSA PPO Plans
These moderately high deductible health insurance plans (HDHP) allow you to use them in conjunction with a health savings account (hsa) that you establish at your bank. With regular deposits (subject to maximum annual contribution limits defined by the federal government), the health savings account will pay for those smaller medical expenses such as doctor visit copayments and prescription drug copayments.
PICP Pre-Existing Condition
This is a federal sponsored program specifically for those who cannot qualify for coverage because of a pre-existing condition. A pre-existing condition is a condition, injury or illness where you consulted a doctor or other licensed health practitioner and they diagnosed you, treated you or recommended treatment for you.
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Health Insurance California