california health insurance CALHEALTH.NET Calhealth home page”></a><a href=Goodacre Insurance Services health insurance agentContact Us regarding your health insurance optionsApply online download application for California medical

New Smart Sense plan

individual family health insurance in california small business quote for california companies Medicare supplement for California seniors
“individual “small “senior

SmartSense is a smart choice for California Individuals and Families if this is what they want:

What else do you get?

  • Access to over 50,000 California PPO network doctors and specialists and nearly 400 hospitals – so chances are your doctor is one of ours
  • Money in your pocket – because we’ve negotiated lower fees with our network doctors and hospitals, your share of costs is less (a lot less)
  • Free health and wellness programs – designed to keep you as healthy as can be
  • Out-of-state coverage – so you’ll feel better wherever you are

What’s Different About SmartSense

  • Embedded (family) deductibles make it easier for families to satisfy deductible requirement:
    • Once any family member meets their single deductible, their deductible is satisfied
    • After one family member’s single deductible is satisfied, the family deductible can be met by one or more family members
  • Fourth quarter carry-over deductible feature
  • Separate in-network and out-of-network out-of-pocket maximums
  • No $500 per admittance charge for inpatient services or outpatient services related to surgery or infusion therapy at a participating hospital
  • Healthy Check and coverage for acupuncture and acupressure services are not included
  • Your clients’ annual out-of-pocket costs for brand name prescriptions are capped for their protection
  • SmartSense contract codes are based on:
    • Deductible
    • Rx selection
    • 1 member vs. 2+ members
    • Each plan has a different contract code

SmartSense Rating Differences
To give us the flexibility to offer the lowest rates possible, the following rating criteria are being used:

  • Gender rating (male vs. female)
  • Single age bands
  • For one-member contracts, there is one set of rates; for two or more members on a contract, there is a discounted rate  
  • SmartSense members will not "age attain" until the rate action following their birthday (for example, if your client has a birthday, and there is rate action three months later, your client’s rate will not increase until the rate action)
  • SmartSense will have 14 rating areas (effective with the next rate action, all products will use these 14 rating areas)


California health insurance home  |  Email  |  About-us   |  Short-Term  |  Travel Medical  | California Health 101  |  Doctor Search  |  Cobra Applications   |  Insurable   |  Small Business   |  Medicare Medigap  |  Individual Family Quote  |  Small Business Quote  |  Medigap Quote Resources  Catastrophic Coverage | Request Packet | Blue Cross  | Blue Shield  | Health Net | Pacificare  | Contact Us  | Individual health
APPLY ONLINE     Copyright -2006 by Goodacre Insurance Services, Authorized Agents All Rights Reserved      OTHER STATES

14 years of experience with California health insurance since 1994