What is health insurance?
The term refers to a variety of insurance policies, ranging from those that cover the costs of doctors and hospitals to those that meet a specific need -- like long-term care or dental coverage. When most of us talk about health insurance, however, we refer to the kind of plan that covers doctor bills, surgery and hospital costs.
You may have heard terms like "managed care," "Fee-for-Service" and "indemnity." These words define different types of coverage or health plans widely used by today's consumers. Confused? Don't worry, we will help you sort through the available options and make sense of the lingo.
If your company does not offer insurance, or if you are self-employed or work freelance, you should purchase individual health insurance. This allows you to choose a plan to fit your needs from the insurance company of your choice. However, coverage and costs vary widely from company to company. When you study policies, make sure to consider the following:
- What medical services are covered
- What benefits are paid
- How much you must pay in deductibles and coinsurance. (Remember, you may keep premiums down by accepting a higher deductible.)
Here's a list of some of the carriers we currently work with.
- Blue Cross
- Blue Shield
- Health net
- Nationwide
- PacifiCare
To request a quote for individual medical insurance, contact us at 310-791-4890.
