Health Insurance Long Beach

Let us help you find affordable health insurance in Long Beach. We specialize in helping you choose affordable plans from carriers like Anthem Blue Cross, Blue Shield of California, HealthNet, Cigna, Kaiser Permanente and Aetna.

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Finding Affordable Health Insurance in Long Beach

Here are some tips to be used as a guide for shopping for health insurance:

Compare Benefits: All plans are not created equal. It is best to conduct a side by side comparison of each of the plan benefits. Look to see if the benefits provided by the plan meet your needs. Review any limitations to the number of doctor office visits. Check if the plan includes both generic and brand drugs. See if the plan includes extra added benefits such as dental and vision coverage. Be especially aware of the annual deductible and out of pocket maximum. Some plans include the annual deductible in the out of pocket maximum and some plans treat this as a separate amount. Remember the out of pocket maximum is the maximum amount you would pay in one calendar year (may be in addition to the annual deductible) if something catastrophic happens (like hospitalization and\or surgery). Review other out of pocket expenses such as coinsurance percentages, co-pays and excess charges when provider charges are higher than the plans allowed amount. Shopping Cart Health Insurance Long Beach

Check Drug Formulary: Most plans offered now use a drug formulary. This is a list of drugs that will be covered by a plan. Be sure that the plan you choose covers any medications (brand drugs and\or generic drugs) you may be taking.

Check Provider Directory: All companies have a network of doctors and hospitals (including specialists and other health care facilities). These providers are specifically contracted with the insurance company called “in-network” providers. Make sure any providers or medical facilities that you would likely visit are a part of the network to avoid “out of network” charges or charges that are not covered. Calling a provider and asking them if they accept and HMO or a PPO is not good enough. More importantly ask if they are specifically contracted as an in-network provider with the particular HMO or PPO that you have.

Underwriting Eligibility: Underwriting eligibility guidelines vary between companies. Some are more lenient than others. If you have a pre-existing condition, you could be approved at a standard premium, approved at a higher premium, offered an alternate plan or declined. It may be worth your time discussing your particular pre-existing condition with your insurance professional before you apply. They can tell you about the general guidelines for your specific condition and how it could affect your eligibility.

Application Processing Times: Processing times can vary between companies. Online applications can be processed more efficiently provided all necessary information is received. Applications can take anywhere from a few days to several weeks depending upon your medical history.

Compare Premiums: Monthly premiums are based on your age, health history and where you live. The more benefits that are included in a plan, the higher the monthly premium.Plans without maternity coverage or those that offer generic only prescription drug coverage or that have a limited number of office visits per year are less expensive. Plans with higher deductibles and higher out of pocket maximums and higher copayment percentages are also less expensive.

Coverage Out of State or Country: If you travel out of state or out of the country, check with the plan guidelines carefully. Most plans will only cover you out of state (within the United States) during an emergency. Most plans will not provide coverage to you outside the country. Out of country travelers should seek travel medical insurance.

Exclusions and Limitations: All plans have exclusions and limitations. Contact us for a complete list of common exclusions.

Call us if you need assistance in selecting or enrolling in a plan at 310.214.2444 or (800)560-2443.

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