Understanding Health Insurance
Without health coverage, you could pay an average of $9,328 a day in the hospital. It's very important to get the protection you need. Getting the right health
insurance can be one of the most important things you can do.
Various plans and pricing is the most confusing aspect of the individual
health insurance market. Understanding Insurance and choosing an appropriate
policy for your specific needs can be complicated. There are many plans, various
coverage’s, options and restrictions. Deciding on a policy that best suits
your needs is not always easy. For instance, the premiums for similar products
from different insurers can vary by as much as 50 percent for the same person.
The deductible and coverage is a balancing act depending on each plan and
each company and price. Our
dedicated agency gives you the advantage of One-stop shopping. You get to shop
and compare health insurance rates and benefits with all the major plans in
California. This saves you time and money, with the benefit of always speaking
with an agent right away.
Plans vary from year to
year, so you should carefully consider each health insurance plan, speaking to a professional insurance agent for
What is the difference between HMO and
Maintenance Organization (HMO): An
organization that provides a wide range of comprehensive health care services
for a specified group at a fixed periodic payment; a prepaid health care plan
under which people may enroll by paying a set annual fee. Members then receive
all the medical services they need through a group of contracting doctors and
hospitals, often with no additional co-payments or fees. Members are generally
limited to using providers designated by the HMO.
Provider Organization (PPO): A
delivery system where providers are under contract to a carrier to provide care
at a discount or for a fixed fee, and the health plan provides incentives to
patients to use the contracting providers. The PPO does not assume insurance
risk, and it does not facilitate the sharing of risk by its covered persons.
factors to consider when choosing health insurance:
amounts: Most insurance policies require you to cover part of your health
expenses yourself (your part is called the "deductible"), before the
insurance company pays anything. Under some policies the deductible is annual,
and you pay only once each year if you use the insurance. Under others, you pay
the deductible each time you have an illness or injury. When choosing insurance,
you should think carefully about how much you could afford to pay out of your
own pocket each time you are sick or injured and weight the deductible against
the premium before you decide.
Usually, even after you have paid the deductible, an insurance policy
pays only a percentage of your medical expenses. The policy might pay 80
percent, for example; the remaining 20 percent, for which you are responsible,
is called the coinsurance or co-payment. So, if you were injured and incurred
$3,000 in medical expenses, a policy with a $400 deductible and 20 percent
co-payment would cover $2,080 (80 percent of $2,600).
Prescription Drug (generic drug): Safe, effective and equivalent to brand name medications that may
cost considerably less than the brand name medications. Generic drugs must meet
the same high standards of quality as brand name drugs and are formulated to
have the same effect in the body as the brand name version. Generic drugs often
become available when a brand name drug's patent expires
When leaving a
group health insurance plan, it is important to ask the administrator about all
of your options before you leave the plan.
If you are in between jobs, you might consider short-term health insurance.
Short-term Health Insurance: Is a just like it's name states, it is intended for a short amount of time, usually from 1 day to up to 3 months. The rates depend on your plan, deductible, age, and the specific number of days of health insurance needed. Most carriers charge per day of health insurance, up to 3 months. Usually this is might make sense for someone that needs short term health insurance that is in between jobs and knows when they will be starting their next job. Depending on the plan and the premium, this might be more affordable than COBRA.
Many insurance policies do not cover pre-existing conditions. If you
arrive with a condition that will need medical attention, verify the
pre-existing aspect of the policy that you are reviewing.
maximums: Many insurance policies limit the amount they will pay for any
single individual's medical bills or for any specific illness or injury.
This amount usually depends on the specific insurance carrier and they do vary. This is important to examine when you are shopping and comparing health insurance plans.
When to get health
you don't have health insurance right now, you should seriously consider
purchasing it as soon as possible. No one can predict the future--you don't know
when you might suffer an accident or become seriously ill. Health insurance can
help to protect you against financial ruin. It is important to have health insurance when you are young & healthy and BEFORE you get sick or get hurt. Call us today at 619-299-6000 for a
free comparison or quote. Your health is the most important thing and it's important for you to protect yourself and family from financial disasters.
offer California residents a full range of Health Insurance choices.
Please call us at 619-889-0889 for a competitive health insurance quote and comparison.
Below are some of the products and services we offer:
Cross of California has been
serving the health care needs of Californians
since 1937. Blue Cross of California,
together with its branded affiliates,
provides health care services to more
than 6.8 million members. Offering a full
continuum of product and coverage options,
Blue Cross provides customers with unparalleled
choice and flexibility in meeting their
health plan needs. These options are continually
fine-tuned to enhance access to affordable,
quality health care. The Company, with
its strong track record for innovation,
focuses on progressive products and services
designed to improve the health status
of all Californians. Unique product offerings
available in the individual, small group,
large group, senior and Medi-Cal markets
include a full range of integrated medical
and specialty products.
Blue Cross has been supporting California lifestyles for decades - and they look forward to supporting yours.
RightPlan PPO 40: If you aren't planning a family (or want to have more children), why pay ofr benefits you may not want, like maternity? This popular plan give yous a variety of choices and rich benefit levels - and affordable monthly premiums. Features immediate, no-medical deductible benefits and three prescription drug options.
Tonik Health Insurance by Blue Cross of CALIFORNIA
You're young. You're healthy. But hey, life is unpredictable. All it takes is one slip, one fall, one biff, and the financial pain can outweigh the physical. Whether you're laid out on the snow, sand or grass, you're going to wish you were covered.
This is one of Blue Cross of California's most popular plan's. If you're 19-29 years old, rates can be $69-$142 per monht, depending on the plan you pick, where you life, your age, and your medical history. Rates are subject to change.
This is a PPO health insurance plan that is very simple; it provides: Health coverage for your body, eyes, teeth. You know, the important stuff.
3 simple health care plans, 1 just your flavor.
Apply online, that's it. No catches, no commitments, no wasted time. Sure, paying for health insurance is a pain. But not having it can hurt a lot more. See how much it could cost you. And remember, if you're covered and stay in the Blue Cross PPO network, the most you'll pay is $1,500, $3,000 or $5,000 plus your monthly payment. Health insurance, straight up. Three plans. Same all-around coverage: preventive, emergency, Rx, eyes, teeth. Tonik health insurance plans are designed for individuals that do not need maternity or name brand prescription drug coverage.
Tonik health plans are designed by-and for-''young invincibles,'' as an effort to expand access to health care coverage for one of the fastest growing uninsured populations in the state and the country. Tonik plans are simple, easy to use and affordable. Tonik covers everyday preventive needs (like routine doctor visits) as well as the more serious medical necessities. Unlike other individual policies on the market, seeing a dentist, getting eye exams, glasses and contacts are all-inclusive within the new benefit design. Although these plans are geared towards "young invincibles", these plans are popular with people of all age groups and it's one of Blue Cross of California's top selling plans.
''Young adults think of insurance like broccoli,'' said Steve Synott, general manager of Individual Services for Blue Cross of California. ''They know it`s good for them but they don`t have a taste for it yet.'' As a result, many go without it. There are currently an estimated 1.6 million uninsured 19 to 29-year-olds in California. The financial pain of a sports related injury or other unforeseen event can outweigh the physical. Consider the following: an ambulance ride to the hospital is $607; the average cost of a day in the hospital is $7,175; and knee surgery and care is estimated at $48,302. The costs of Tonik plans are painless. They range from $64 to $123 a month, depending upon the plan, the insured`s age and where they live.
In a unique approach to product development, Blue Cross engaged in a ''reverse point-of-view'' philosophy by examining the preferences and lifestyles of uninsured young adults. Blue Cross research indicated that they are interested in health insurance, if it met their needs and was offered at the right price.
The nice thing about Tonik health insurance plans is that they are only available with an online application. No more messy paper applications with this plan. The application process takes about 10 - 15 minutes to complete and then it is sent directly to the underwriting team at Blue Cross of California. If you wish to view more information about Tonik health insurance plans and benefits, please visit: Tonik health insurance information.
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The information contained in this Web
site is provided solely as a source of
general information and resource. It is
a not a statement of contract and coverage
may not apply in all areas or circumstances.
For a complete description of coverages,
always read the insurance policy, including