You can run instant quotes all over the net but understanding what you get back is a different story. There are many different plans from a multitude of carriers presented. The first step is to understand the seemingly foreign language the quote is written in.
Health insurance rates are based on area and age at the individual and small group level. In California, gender does not play a role. Before you can get the rates, you will need to enter your residence zip code and the ages of those you wish to cover. After a few seconds, you will be see a list of health plans. Typically, the most popular plans (three or four) will come up with the option of expanding the plans by type of plans (PPO, HMO, etc) or carrier (Anthem Blue Cross, Blue Shield of California, etc) or certain ranges (deductible under $1000).
The plans are listed in ascending monthly premium amounts (far right). From left to right, let's go through a sample plan from Blue Cross. You can sort the plans by California health carrier, plan type etc at the very top. This helps to narrow such a large amount of information.
Type. Next you see the "Type" Column. This essentially means In-Network (such as PPO if a PPO plan) or HMO. HSA stands for Health Savings Account but most HSA plans are usually PPO or EPO. Benefits can be quite different in or out-of-network. You can get a good explanation of HMO versus PPO.
Deductible. This is the amount you must pay for medical services each year before your insurance begins paying. Usually office and prescription copays are not subject to the main deductible except for HSA plans and some lower priced PPO plans. Click on the "View Plan Details" to see what is subject to the deductible. You can also get more information on understanding how health insurance deductibles work.
Dr. Copay The portion of charges you pay to your provider for covered health care services in addition to any deductible. For example, $20 for an office visit. You can also get more information on understanding how copays work.
Inpatient Hospital Once you have met your deductible, you pay coinsurance for additional medical care. It is a percentage of the billed charge. For example, your insurance company might pay 60%, and then you would pay 40%. It is similar to a co-pay, but is a percentage instead of a dollar amount.
Rx Card This tells you if prescriptions coverage is included. You can click on the "View Plan Details" for more information. When you look at the details, you will see the copay amounts listed if applicable. The copay is the fixed amount you pay for medications. "G" means generic. For example, a plan might have a $10 copay for generic. "BF" stands for Brand Formulary (brand name drugs on the carrier's allowed list). For example, a plan might have a $30 copay. Sometimes there is a separate deductible for Brand Name drugs.
Maternity Maternity is covered on all ACA compliant plans now by law.
View Plan Details If there is a plan you are interested, make sure to check the details. For that page, you will also be able to download the actual carrier plan brochure and exclusions.
View Doctors & Hospitals You can check to see if your doctor and or hospital participates in a given plan. This is very important to make sure you get the most out of your plan.
Apply for this Plan Once you decide on your chosen plan, you can click on this button to gain access to the downloadable or online application. The link to the application page can always be found at the very top of the page as well.
Hopefully, this helps explain the Individual
health insurance quote but you can always
contact us with any questions you have. As
independent brokers and agents, we can save you
quite a bit of time and energy while finding the
right health plan for you.
Again, there is absolutely no cost to you for our services. Call 800-320-6269 Today!
YOU MAY STILL BE
ABLE TO ENROLL
In just 15 minutes:
With Existing Account
We can help you:
If Your Income
Is In This Range
Current Years Estimate; All those that file together on one 1040:
|Single Person:||$16k - $47k|
|2 People||$22k - $64k|
|3 People||$27k - $80k|
|4 People||$33k - $97k|
"My sincere thanks for making a miracle happen- 2014 health insurance !! Many thanks for your expertise and advice yesterday !!"
"Thanks again for your help - I had absolutely no idea how to get this done when I got up this morning. You've made it remarkably easier than I expected. I hope you're not stuck at the office all night..."
"Anyway, I hope you got some time off this past week! Thank you again for your help and efforts on my behalf! I was very lucky to find you."
"I thank you very much for the time that you have invested in handling everything
"I truly appreciate the quick response and will think of you in the future if I need to make any changes to my insurance plans."
"You are awesome... takes a huge worry off my back, thank you for your kind. thanks for your time and kindness. !!"
"Wow, I can't thank you guys enough for your help...I couldn't imagine trying to tackle this on my own!"
"You are my new best friend. A HUGE thank you again.
20 years of experience in the California health insurance market has taught us one thing...Competent and experienced guidance is Invaluable
We can quickly (very important) size up your health insurance needs and clearly explain the options available to you. Our focus is finding the most coverage at the best cost to you.
We are licensed Covered Ca agents with in-depth knowledge of their plans, process, and tax credits.
Call us...you will be Pleasantly Surprised. 800-320-6269
We'll quickly see if you have the best priced plan available and if you qualify for a tax credit800-320-6269
This website is owned and operated by Goodacre Insurance Services, which is solely responsible for its content. This site is not maintained by or associated with Covered California, and Covered California bears no responsibility for its content. The email address and phone numbers that appear throughout the site belong to Goodacre Insurance Services, and cannot be used to contact Covered California.