Health Insurance - West Covina, CA - Insurance

Health Insurance

Individual and Family

Los Angeles health insurance plans,or California care insurance, are specifically customize based on the health care needs of the individual and have mobile coverage, meaning the health care coverage for the individual continues no matter what changes occur in the employment status of the individual.

Types of Los Angel, California Individual Health Insurance Plans
There are different types of Los Angeles individual health insurance plan in California. But before you choose the type of insurance plan, you must first consider your personal situation: overall health, monthly budget, specific medical needs, etc.

HMO (Health Maintenance Organization)

An HMO is a health care plan designed to assist control costs. HMO is one of the most affordable individual health insurance plan in Los Angeles, California. While California HMO health insurances do offer comprehensive coverage, HMO requires the most or all of your health care need which can be obtained through an HMO network provider. Most HMO networks in Los Angeles, California have thousands of HMO health care professionals which gives an insured individual easy and convenient access to HMO medical care when needed. This HMO group of doctors and other medical professionals offer an individual care through the HMO for a flat monthly rate with no deductible.

What kind of health insurance are there!

There are essentially two kinds of health insurance: Fee-for-Service and Managed Care. Although these plans differ, they both cover an array of medical, surgical and hospital expenses. Most cover prescription and some also offer dental coverage.

Health Insurance

PPO (Preferred Provider Organization)

This is another affordable individual insurance plan offered in Los Angeles, California. A PPO plan consists of a network of "preferred" providers in Los Angeles, California and you are free to choose from anyone within the network. PPO's provide comprehensive and flexible care coverage.

Health Savings Account (HSA) Plans

A health savings account (HSA) is basically a tax advantaged medical savings account available to consumers in Los Angeles, California who are also enrolled in a high deductible health plan (HDHP). This high deductible plan features low monthly premiums and provides for catastrophic coverage in Los Angeles, California.

Fee for Service (FFS) Plans

The FFS plan is an example of traditional individual health insurance coverage in Los Angeles, California where the policy holder pays for the service at the time if is rendered and is reimbursed with a percentage of the fee.

Managed Care

More than half of all Americans have some kind of managed-care plan. Various plans work differently and can include: health maintenance organizations (HMOs), preferred provider organization (PPOs) and point-of-service (POS) plans. These plans provide comprehensive health services to their members and offer financial incentives to patients who use the provider in the plan.

California Care Insurance Factors

Before finally deciding on the type of individual health care insurance plan offered in Los Angeles, California, you need to be aware of the cost of the each plan. Comparing rates from different health insurance carriers in Los Angeles, California and other states is an easy and smart way to get the information you need when formulating your own personal health insurance policy.

Premiums. Premiums are the payments you make, usually once a month, to keep your insurance coverage in effect. The insurance company determines the premium cost using the information you provided including: health status, medical history, age, and lifestyle factors such as smoking, alcohol use, etc.
Deductible. The deductible is the actual amount the policy holder is required to pay before the individual insurance plan benefits will begin to reimburse for medical services. It is very important to consider each personal circumstances and needs when making a decsion on the deductible amount.
Copayments and Coinsurance. A typical HMO plan might require an individual to pay $15 for a routine examination with your primary care physicial considered the copayment amount. Coninsurance is normally a percentage amout that is paid by an individual and insurance carrier. For example, if a policy provides a coinsurance rate of 80/20, the insurance company would have to pay 80% and the insured have to pay the 20% of the bill.

License: 0K35870, 0184251, 0F91214, 0G00836, 0G76655