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Health & Medical Insurance for
California
We
are an
independent, full service insurance agency working hard to provide low
rates and great service to all of California. Because we are an “independent”
agency we work with many insurance companies to find the very best coverage and
rates for our California clients.
Getting the right health insurance in California is very important. We
believe it is important to take our time to talk to you personally, and by
asking the right questions we can often do a better job of searching for the
best rates and coverage and that is our responsibility to you. If we are
going to be your agent, we should do the work.
Free Health Insurance Quotes
If you are in a hurry or just want
immediate information, you prefer to use our free quick on-line quote page. We
offer one of our many fine medical insurance companies for a quick on-line quote
by clicking on the "FREE ON-LINE QUOTE" button below.
CLICK
ICON FOR A FREE QUICK ON-LINE QUOTE
CHOOSE EITHER OR BOTH FOR A QUOTE
We represent many of the top health and dental insurers and insurance companies
licensed in California and will be able to help you find great health insurance
coverage at the lowest rates possible.
Physician and Hospital
Finder
Use our online Doctor and Hospital Finder to find healthcare providers
contracted with health plans listed with our service. Search results
provided by insurance company links listed on this page
Click here to
search for your Physician and
Hospital
Individual and Family
Plan Applications
Click here to find the Application for you
FAQS about other types of
insurance
Click here to find FAQS about other
types of insurance
Our Pledge to you
"We are committed to providing you with SUPERIOR service and protection at
affordable rates. We make YOU our priority."
How to contact us
Low rates, and great service for
your California health and medical insurance needs
More information about health
insurance.
There are
essentially two kinds of heath 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 drugs and some also offer dental
coverage.
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Fee-for-Service.
These plans generally assume that the medical professional will be paid a
fee for each service provided to the patient. Patients are seen by a doctor
of their choice and the claim is filed by either the medical provider or the
patient.
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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
(HM0s), preferred provider organizations (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 providers in the
plan.
Are individual policies available?
If you are unemployed, return
to school or are self-employed, you may want to buy an individual health
insurance policy.
The following are a number of options that you may consider:
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Ask your insurance company if
you can convert its group policy to an individual policy. You will pay a
higher rate than you did before and your benefits may be limited, but the
terms will still probably be better than if you buy your own policy.
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If you are married, see if your
spouse’s employer will add you to its group plan.
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Try to join a group health plan
through a trade association or alumni group or professional association may
offer reasonable rates. If you are over age 50, you can join the American
Association of Retired Persons (AARP), which offers an extensive plan. Even
some credit card companies offer health insurance coverage.
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As a last resort, you can buy an
individual policy. The rates will be high and coverage limited, but it is
important that you be protected against financial catastrophe if you or your
family are hit with a major illness or injury. If you are self-employed,
most of the health insurance premium will be tax-deductible.
Low health and medical insurance
rates, for all of California. Serving all of California
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