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| Find
Group Insurance in your Area !
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| Group
Health Insurance |
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With
group
health insurance,
a single policy covers the
medical expenses of many different
people, instead of covering
just one person. Unlike individual
insurance, where each person's
risk potential is evaluated
to determine insurability,
all eligible people can be
covered by a group policy,
regardless of age or physical
condition. The premium for
group insurance is calculated
based on the characteristics
of the group as a whole, such
as average age and degree
of occupational hazard.
How do
you get group health insurance?
Find out
whether you are eligible
Many
employers offer group health
insurance as part of their
employee benefits package.
Other groups that may offer
insurance coverage include
churches, clubs, trade associations,
chambers of commerce, and
special-interest groups.
Apply for
coverage
Although your individual health
is generally not evaluated
when you apply for group health
insurance, you must apply
during the specified eligibility
period. For employer-sponsored
health insurance, this is
often the first 30 days of
your employment, or the first
30 days following your initial
probationary period. For associational
insurance, this may be the
first 30 days of your membership
in the group.
If you fail
to enroll during this period,
the insurance company has
the right to treat you as
though you were applying for
individual insurance. This
means you will probably have
to answer extensive health
questions, and go through
a physical examination. The
insurance company can then
decide whether or not to insure
you.
The purpose
of the eligibility period
is to reduce insurance costs
by preventing people from
waiting until after they discover
a health problem to sign up
for coverage. Both employers
and associations may also
have an open enrollment period
each year, during which you
may sign up for coverage,
modify your existing coverage,
or add dependents to your
coverage.
What are
the benefits of group coverage?
You don't need a physical
exam
Under a group health insurance
arrangement, the insurance
company agrees to insure all
members of the group, regardless
of current physical condition
or health history. The only
condition is that the group
members must apply for insurance
within the specified eligibility
period. Clearly, this is better
for those with chronic health
conditions, who might be unable
to get individual insurance.
It's cheaper
than individual insurance
Because
only one policy is issued
for the entire group, the
initial cost of establishing
group coverage is lower than
the cost of issuing a separate
policy to each person. Also,
group insurance is somewhat
less risky for insurers than
individual insurance, since
the risk is spread out among
a larger number of people.
Within a fairly large group,
it is almost certain that
the good insurance risks will
equal or exceed the bad insurance
risks. Since group insurance
costs less for the insurance
companies to establish and
administer, it generally costs
less to purchase.
You might
get a break on premiums
In many cases, your employer
or association will pick up
some or all of the group insurance
premium. This can make group
insurance even more affordable.
What are
the drawbacks to group coverage?
You can't customize your policy.
In a group insurance situation,
the provisions of the policy
are negotiated between the
insurer and master policyowner
(usually an employer or association).
You may not have the freedom
to have provisions included
or excluded, and your deductible
amount and co-payment percentage
are determined in advance.
In some situations, however,
you may be able to choose
between two or more insurance
plans. |
| Please Note: 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
all endorsements |
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Aetna HMO Plan 10-20
Aetna HMO Plan 10-30
Aetna HMO Plan 20-40
Aetna HMO Plan 30-40
Aetna EPO 90
Aetna EPO 80
Aetna Basic PPO
Aetna MC Zero 90/60 PPO
Aetna MC $250 90/70 PPO
Aetna MC $500 90/70 PPO
Aetna MC $250 80/60 PPO
Aetna MC $500 80/60 PPO
Aetna mc $500 80/50 PPO
Aetna MC $1000 80/50 PPO
Aetna MC $2000 80/50 PPO
Aetna HSA 2100
Aetna HSA 3000
Aetna Value HMO Value HMO
25-40
Aetna Value HMO Value HMO
15-30
Aetna Value HMO Value HMO
10-20
Blue Cross Saver HMO
Blue Cross Classic HMO
Blue Cross HMO 100
Blue Cross Basic PPO
Blue Cross Hospital BeneFits
Blue Cross Hospital BeneFits
Plus
Blue Cross Hospital BeneFits
Pref
Blue Cross High Deductible
EPO
Blue Cross Saver PPO
Blue Cross PPO 40
Blue Cross PPO 30
Blue Cross PPO 35 GenRx
Blue Cross Power Fund 750
Blue Cross Power Fund 500
Blue Cross Advantage 25 PPO
Blue Cross Premier 20 PPO
Blue Cross Premier 10 PPO
Blue Cross PPO 2400
Blue Cross PPO 3500
Blue Cross PS HMO Power Select
HMO Plan
Blue Shield Access+ HMO 5
Blue Shield Access+ HMO 10
Blue Shield Access+ HMO 15
Blue Shield Access+ HMO 20
Blue Shield Access+ H00025
Blue Shield Access+ HMO 40
Blue Shield Added Advantage
POS 300
Blue Shield Pref Sav $1250
Ded
Blue Shield Pref Sav $2250
Ded
Blue Shield Pref Sav $2600
Ded
Blue Shield Spectrum PPO Zero
Deductible
Blue Shield Spectrum PPO 250
Premier
Blue Shield Spectrum PPO 250
Standard
Blue Shield Spectrum PPO 500
Value
Blue Shield Spectrum PPO 500
Standard
Blue Shield Spectrum PPO 500
Premier
Blue Shield Spectrum PPO 1000
Blue Shield Spectrum PPO 3000
Blue Shield Active Choice
500
Blue Shield Active Choice
750
Health Net HMO 10
Health Net HMO 15
Health Net HMO 20
Health Net HMO 30
Health Net HMO 35
Health Net HMO 40
Health Net HMO Xtra Value
20
Health Net HMO Xtra Value
40
Health Net Variable Hosp Copay
HMO 25
Health Net Variable Hosp Copay
HMO 35
Health Net Elect Open Acces
30
Health Net Elect Open Access
25
Health Net Elect Open Access
20
Health Net Elect Open Access
10
Health Net Select 30 POS
Health Net Select 20 POS
Health Net Sel Prem 10 POS
Health Net Saver PPO
Health Net PPO 40
Health Net PPO 35
Health Net PPO 30
Health Net PPO 25
Health Net PPO 20
Health Net PPO 15
Health Net PPO 10
Health Net HSA 2000
Health Net HSA 3000
Health Net Silver HMO 20 Silver
Health Net Silver HMO 40 Silver
Health Net Silver HMO Xtra
Value 20 Silver
Health Net Silver HMO Xtra
Value 40 Silver
Health Net Salud Salud HMO
Health Net Salud Salud PPO
Kaiser HMO Ded 30/1000
Kaiser HMO Ded 30/1500
Kaiser HMO Plan 5
Kaiser HMO Plan 15
Kaiser HMO Plan 20
Kaiser HMO Plan 30
Kaiser HMO Plan 50
Kaiser Point of Service Plan
Nationwide Plan 1
Nationwide Plan 2
Nationwide Plan 3
Nationwide Plan 4
Nationwide Plan 5
Nationwide Plan 6
PacifiCare HMO 10
PacifiCare HMO 15
PacifiCare HMO 10/500d
PacifiCare HMO 20
PacifiCare HMO 35/600d
PacifiCare POS 15/80-60
PacifiCare PPO 80/60-250
PacifiCare PPO 70/50-250
PacifiCare PPO 80/60-500
PacifiCare PPO 70/50-1000
PacifiCare PPO 35-50/50-1000
PacifiCare PPO 70/50-2000
PacifiCare PPO 70/50-3500
PacifiCare PPO 80/50-2000/freedom
PacifiCare PPO 70/50-2000/freedom
PacifiCare PPO 50/50-3000/freedom
PacifiCare PPO HSA 2700
PacifiCare PPO HSA 3500
PacifiCare PPO HSA 5000
Pacificare Adv HMO HMO 10/500d
Pacificare Adv HMO HMO 35/600d
Sharp Health Plan HMO Plan
A
Sharp Health Plan HMO Plan
AB
Sharp Health Plan HMO Plan
C
Sharp Health Plan HMO Plan
AD
Sharp Health Plan HMO Plan
AE
Western Health Adv HMO Premier
5
Western Health Adv HMO Premier
10
Western Health Adv HMO Premier
15
Western Health Adv HMO Premier
20
Western Health Adv HMO Advantage
15-30
Western Health Adv HMO Advantage
420
Western Health Adv HMO Advantage
70
Western Health Adv HMO Advantage
30-40
Western Health Adv HMO Advantage
40
Western Health Adv HMO Deductible
1000
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| Health
Insurance - Understanding The Basics |
What is health insurance?
Simply put, health insurance is protection
against medical costs. A health insurance
policy is a contract between an insurer
and an individual or group, in which
the insurer agrees to provide specified
health insurance at an agreed-upon
price (the premium). Depending on
your policy, your premium may be payable
either in a lump sum or in installments.
Health insurance usually provides
either direct payment or reimbursement
for expenses associated with illnesses
and injuries. If your employer does
not offer a health insurance plan,
you may wish to purchase health insurance
on your own.
Why do you need it?
Let's face it--health insurance
is a necessity in today's world.
The costs of medical care and treatment
have soared to new heights in recent
years and are expected to rise even
further in the years to come. Think
for a moment about the enormous
medical costs you would incur if
you suffered a major injury tomorrow
or were suddenly stricken with a
life-threatening illness. Uninsured
people live with such risk every
day of their lives; health insurance
can shield you from that risk. Even
if you're healthy today and have
never had any major problems in
the past, you simply can't predict
the future.
In addition to medical emergencies,
routine conditions requiring visits
to a physician happen all the time.
This is especially true if you have
children. Ear infections, rashes,
and high fevers are commonplace
with infants and children; numerous
trips to the doctor can be pretty
expensive without health insurance.
What do you need to know?
You should know where to get health
insurance, and understand the various
types of private health insurance
that are available. There are some
important differences between indemnity
plans, HMOs, PPOs, and POS plans
worthy of understanding.
You should also make every effort
to understand your own health insurance
policy, and become familiar with
common health insurance provisions,
including limitations, exclusions,
and riders. It's important to know
what your policy covers, and what
you'll have to pay for in out-of-pocket
expenses.
When comparing health insurance
policies, you should strive to balance
coverage against cost. While price
is an important consideration, there
are also other factors that may
influence your decision when it
come to choosing a health insurance
plan.
Understanding the taxation of health
insurance benefits and premiums
is also an important issue, especially
if you're self-employed.
Being aware of your COBRA rights,
in the event that you lose your
health insurance coverage due to
a change in employment or other
factors is also worth investigating.
When to get it
?
If 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.
Please Note: 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
all endorsements
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| Free Health Insurance Quote offered through
Affiliate Program at Alabama, Alaska, Arizona,
Arkansas, Connecticut, Delaware, District of Columbia
(Washington DC), Florida, Georgia, Hawaii, Idaho,
Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana,
Maine, Maryland, Massachusetts, Michigan, Minnesota,
Mississippi, Missouri, Montana, Nebraska, Nevada,
New Hampshire, New Jersey, New Mexico, New York,
North Carolina, North Dakota, Ohio, Oklahoma,
Oregon, Pennsylvania, Rhode Island, South Carolina,
South Dakota, Tennessee, Texas, Utah, Vermont,
Virginia, Washington, West Virginia, Wisconsin,
and Wyoming. |
Blue
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 Shield of
California Life & Health
Insurance Company Life has grown by offering
competitive insurance products including Group
Term Life, Accidental Death & Dismemberment,
Blue Shield of California Life & Health
Insurance Company Life Vision Plan, Stop Loss
and Exec-U-Med medical reimbursement plans in
tandem with Blue Shield of California health
plans or on a stand-alone basis . In the early
1980s, introduced their Short-Term Health products.
The Option One and Option Twelve plans remain
one of the leading products of their kind in
California
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PacifiCare
Signature FreedomSM
With the PacifiCare SignatureFreedomSM (SDHP)
plan, you can enjoy the freedom and flexibility
of a traditional PPO plan with the added feature
of Self Directed Account (SDA).
The SDA is fully insured by PacifiCare Life
and Health Insurance Company and provides a
yearly credit of $1,000 for certain routine
and preventive services.
Any unused funds carry over year after year,
for as long as you are enrolled on the plan.
Once you deplete your SDA, or if you require
services not covered by the SDA, the plan defaults
to a PPO plan.
You must meet annual deductibles. Eligible medical
services paid from the SDA will count toward
satisfying the PPO deductible.
PacifiCare SignatureValueSM
These coordinated plans provide the most comprehensive
coverage of our plan offerings. Your medical
care is coordinated by the primary care physician
(PCP) you select. You visit your PCP for general
medical care, and when you need to see a specialist,
your PCP provides a referral. In general:
You choose a PCP from our network.
You are charged only a co-payment for a doctor's
visit. After your co-payment, many health care
expenses are covered at 100%.
Preventive health care, including check-ups,
is covered.
You do not have to meet an annual deductible
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Assurant Health is the brand name used for
products underwritten and issued by Time Insurance
Company, John Alden Life Insurance Company and
Union Security Insurance Company. California license
numbers: 08109 ( Time Insurance Company), 08107
(Union Security Insurance Company) and 3894 (John
Alden Life Insurance Company). Assurant Health
only accepts agent business from agents licensed
and appointed in accordance with state laws.
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