Category: Health Insurance

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.