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Health
Insurance Overview
Just like other forms of insurance, for
your car and your home, health insurance
helps relieve the burden of unexpected
events: you put away a little in case
you need a lot later. You and your family's
health should be of the highest priority.
Every year, the cost of healthcare increases
dramatically. Simple same-day surgeries,
required tests and emergency attention
can add up to thousands of dollars or
more.
The overall benefits of health insurance
are obvious. You won't be avoiding the
doctor because it costs too much. The
hospital bills won't be piling upon your
desk waiting for attention. Your health
insurance will provide the help and care
you demand. Also, if you drive a car,
health insurance will work cooperatively
with your auto insurance in case of an
accident.
There are many health insurance companies
available, offering various types of plans.
We are capable to get you the best plan
and coverage to suit your needs.
Using this comprehensive tutorial, you
can find out about different types of
health insurance, choosing a policy, and
much more. |
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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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
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
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.
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.
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Anthem Blue Cross
