Choosing your health insurance is one of the most important decisions that you make every year. Just letting your policy continue from one year to the next may not be in your best interest. At QuoteBroker Insurance Services in Santa Clarita, CA, we are an independent agency, which means we can offer insurance from multiple carriers, allowing our customers to have more choices.
Questions to ask before choosing health insurance coverage
Is my doctor in the network?
Before deciding on a health insurance policy, it is vital that if you have a preferred doctor or other healthcare professionals, you make sure that they are in the network you are considering. Not every doctor is in every network, and it is up to you to make sure that the doctors you want are covered by your plan.
What is the plan deductible?
Before your health insurance starts to pay for services, the deductible must be met. If it is too high, it can mean that you will have no services that are covered. It is a fine balance between a policy that you can afford and one that provides you with the coverage you need.
What type of managed care is it?
There are three main types of managed care; an HMO. PPO, and POS. All of them have good points and not-so-good points. An HMO is the most restrictive, providing little or no coverage outside your network, but is the least expensive. A PPO will give you a better rate if you stay within your network and a POS lets you decide if you want to have service in or out of the network. If you need flexibility, it is the best choice.
Give us a call
Contact QuoteBroker Insurance Services in Santa Clarita, CA if you need more information about your health insurance options.
If you are looking to purchase a new health insurance policy, the team at QuoteBroker Insurance Services, serving the greater Santa Clarita, CA area, can help you. One of the things that we strongly recommend is familiarizing yourself with financial terms that you may see on health insurance policies.
Knowing what these terms mean can make it easier for you to find the right policy for your needs:
Your premium is the amount you pay to carry health insurance. Some people pay this every month, while other people may pay the entire term of the policy, usually six or 12 months, up front. The premium is the cost simply to purchase your health insurance policy.
The deductible is the amount that you have to pay before your policy kicks in and starts paying for coverage. For example, if you have a $1,000 deductible, you will need to pay your first $1,000worth of medical bills before the insurance company pays for the rest of the costs.
Once you have met the terms of your deductible, you may have a co-payment. This is how much you will have to pay out of pocket for each doctor’s visit or for prescriptions. Co-pays are generally fairly low, usually ranging from around $20 to $50.
The final term you should know is the out-of-pocket maximum. This is how much you may have to pay out-of-pocket. Once you reach this amount, all of your medical expenses up to your maximum policy limit amount will be covered and you will no longer need to pay anything out of your own pockets.
Get Health Insurance Today
When you are in the market for a new health insurance policy, look no further than QuoteBroker Insurance Services, serving the greater Santa Clarita, CA region. Our team can listen to what you want and need in a health insurance policy, and then get to work helping you to find the best policy for your needs. Reach out to us today to get started.
You can’t be at your very best if your health is failing you. Unfortunately, with the rising healthcare costs in America, financing your medical bills from your pocket can be taxing. As a result, at QuoteBroker Insurance Services, we advise our clients to invest in a sound health insurance plan to avoid running into a financial mess when diseases and injuries occur.
Health Insurance Coverage Options in California
Like other insurance policies, health insurance isn’t one-size-fits-all coverage. There are several health insurance plans to answer different needs. These include:
- Medicare: It’s an insurance plan for persons aged 65 and above. Also, certain younger persons with disabilities and patients with end-stage renal disease may be eligible for Medicare. Medicare is divided into parts A, B, C, and D. Your insurance agent should help you know the difference.
- Medicaid: This insurance plan is for eligible low-income families, children, pregnant mothers, elderly persons, and people with disabilities.
- Dental and vision health plans: Usually, your standard health insurance plan excludes dental and vision coverage. However, you can get separate policies to cover your dental and eye health.
- Corporate health plans: Businesses don’t have to get an individual health insurance plan for every employee. There are corporate health plans designed for companies and organizations.
- Individual health plan: You can purchase health insurance as an individual.
- Group health plan: This health insurance plan targets groups like families.
While health insurance isn’t mandatory in the US, it’s a worthwhile investment given that America’s health services are the most costly around the globe.
Protect your health today with health insurance in Santa Clarita, CA
Understanding health insurance in the US can be a nightmare. Thankfully, you don’t have to figure it out alone. If you are in Santa Clarita, CA, please get in touch with QuoteBroker Insurance Services, and we will help you choose a health insurance policy that suits your needs.
Having a baby is one of life’s most exciting moments, but between the constant crying, lack of sleep, and consistent feeding, it is easy to forget to do the little things – like signing your baby up for health insurance. Luckily, you can take a breath because if you receive medical benefits through your employer, your baby will be automatically covered under your policy for the first 30 days. Giving birth is a qualifying life event, which means that you can either sign your baby up for your current plan or switch to a different one during a period outside of open enrollment. These rules apply to any new parents – regardless of whether you are having a natural birth or adopting.
If you do not have insurance through your workplace, you can use the federal government’s health insurance marketplace to shop for coverage through a Special Enrollment Period. Similar to above, this is a time outside of the open enrollment period when you can sign up for health insurance because you’ve had a qualifying life event like having a baby, adoption, getting married, and losing existing coverage. You have up to 60 days after the qualifying event to sign up for health insurance. If you attempt to sign up outside of that range, you’ll have to wait until the next open enrollment period.
At QuoteBroker Insurance Services in Santa Clarita, CA, we understand that having a baby can be exciting and overwhelming. Consequently, we make it easy for you to find the best health insurance policy for your needs by doing the heavy lifting for you. Give us a call today to learn more.