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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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