Health Insurance Frequently Asked Questions

Protect your health and personal assets. We offer individual and group plans from Blue Cross, Blue Shield, HealthNet, Kaiser, and United HealthCare / PacificCare.

Q- What kind of health plans are currently available to me?

A- In California, there are several health plans available to individuals, families and business groups from Anthem/Blue Cross, Blue Shield, Health Net and PacifiCare/United HealthCare. They include HMO, PPO, and H S A Compatible plans.

Q- What kind of things should I look for in comparing health plans?

A- When deciding on a good health plan, people should always look at the costs,
annual deductibles, the doctor visit co-pays, the coinsurance percentage,
the annual out-of-pocket maximum and the lifetime maximum.
You should also look at the hospital networks and physician providers.

Q- Are there any agent fees or charges to apply or see a proposal?

A- No, there are no charges to see quotes or a plan proposal. If you
apply for one of the health plans, you will have to pay the premium
directly to the Health Company. They offer monthly and quarterly payments.