Individual Coverage

Here are some tips to help you obtain and shop for health insurance:

• Rates for insurance are determined by your age and your zip code of residence. No matter what site you go through, including the carriers themselves, the rate for a particular plan will be the same.
• Carriers do not have to accept an applicant due to pre-existing conditions such as ongoing treatments and expensive drugs etc.
• Generally speaking the higher the deductible the lower your premium. Read the outline of coverage for the plan you want before you apply.
• Plans that cover office visits cost more than plans that do not. Plans that cover maternity cost more than plans that do not.
• Just because you fill out an application does not mean you are covered. Wait until you are notified of approval before using a plan.
• Look at the big picture when acquiring insurance- example- one day in the hospital for minor back surgery is $50,000.

To apply with any of the carriers click on the logos below.

 

 

                                 

Additional Information

• HSA Plans
• California Healthy Families.
• http://www.hsabank.com