Medical Plans – Individual and Family
For California Residents who would like instant quotes and benefit information for health insurance, including on-line application information:
Plan diagrams of how the various types of plans work can be downloaded to help with our discussion.
We’re pleased to offer you HMO, PPO and Indemnity plans, as well as PPO policies which can be used with Health Savings Accounts. Most carriers offer HSA qualified plans. These will be the high deductible plans (originally introduced as MSA qualified plans). These policies will allow you to open a Health Savings Account and enjoy tax savings for money you’ve earmarked for health expenses. More information on these accounts may be viewed in our Resources section.
To see if your doctor(s) and other providers are in the network for the plans you’re considering, consult the online directories for each carrier.
ON LINE Applications are available! If you’ve decided on your favorite plan and would like to apply now, please click the following links:
- For Aetna website and on-line application, click here
- For Anthem Blue Cross website and on-line application, click here
- For Blue Shield website and on-line application, click here
- For Assurant website, quotes and application, click here
- For Health Net website and on-line application, click here
- For Kaiser website and on-line application, click here
- For the Pre-Existing Conditions Health Plan website, click here
Information provided is based on the most current rate tables available, but will be subject to change by the individual carriers with very little notice. We prefer to work with clients personally, so give us a call if you’d like to review the options together. Keep in mind, rates quoted are based on a perfectly healthy applicant with height and weight within the guidelines published by the insurance companies involved. If you take medications, are a bit over the weight table, or have pre-existing conditions, your rates may be higher than those illustrated. Underwriting (the approval process by the insurance company) can take from two weeks to two months. If coverage will run out soon, you may wish to consider a temporary medical plan, available under “Short Term Health”, so you have continuous coverage. If you are changing from one insurance company to another and have a health change before the new plan takes effect, your policy may not be issued. DO NOT CANCEL your current coverage when you apply for a new plan, wait until you have been approved by your new carrier and your policy has been issued.
If you have a health condition and are leaving your group plan, HIPAA conversion policies are available after COBRA is exhausted. We can explain those plans and your rights to guaranteed issue coverage if your circumstances permit. Please phone so we can get together and discuss the options and help with the paperwork!
