kathy hope
    KATHY HOPE


 
Insurance Advisors

YOUR CA HEALTH INSURANCE BROKER FOR 22+ YEARS

Individual, Child-Only, Family, Entrepreneur, Small Business, Group,  Medicare

Serving Northern and Southern California
 
 

Individual & Family Health Insurance

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Individual and/or Family Health Insurance is needed when one does not have any health coverage from their employer or the coverage you do receive is insufficient for your needs. 

Self-Employed Individuals may also choose to have individual health insurance coverage. However, today if you own a business with just two salaried employees, you may qualify for group coverage. 

Managed Care is what most of today's California health insurance plans provide individuals.  Managed care was developed to keep health care costs from skyrocketing out of control. It's intent was to deliver lower cost health care via "managing" the use of the healthcare, the quality of the healthcare, and the cost of the healthcare. Multiple types of managed care plans exist based upon different combinations of health risks and payment ability. Your basic choices include:
 
PPO HMO HSA
Preferred Provider
Organization
Health Maintenance
Organization
Health Savings
Account
Scroll down to see more info on each.

As of January 1, 2014, all citizens will be required to purchase health coverage or will face a penalty. What most don't realize is the coverage must be purchased between October 1, 2013 and December 31,2013 which is open enrollment. If you miss this time period you will have to pay a penalty. Rates are not yet known for 2014. What "is" known is that all coverage is based on income. If your income is above $44,000, you will not be able to use the CA Health exchange. And a family of four making above $92,000 will also not qualify for the exchange.

Call me at 714-840-0047 to discuss what your health risks are and what type of budget you have for health insurance coverage. Let's find what is best for "you!" 

 PPO
Preferred Provider
Organization
HMO
Health Maintenance
Organization
HSA
Health Savingns
Account
A PPO is a  network of doctors and hospitals that has agreed to accept a discounted fee for their services from the plan. 
 
It may be the plan for you if you like the freedom of choosing your own doctor and hospital and are willing to pay some of the costs. 

These plans are ideal for people with a family or people about to start one. They offer coverage for you and your school-age children. They also offer maternity benefits.

Best of all, most of the services you and your family need immediately are covered before you have to start paying the deductible. This includes preventive care, doctor visits, and generic prescription drugs.
 

HMO plans control the costs of your healthcare thereby become a more affordable path to take. 
 In an HMO plan, you have a primary care physician assigned to you. This person organizes all your care. The primary care physician  takes care of your basic health care needs and also is the person responsible for  assigning specialists for your care, when needed.

HMO plans are cheaper than PPO plans, but have a smaller network of healthcare providers

HMO, Health Maintenance Organizations, include lower out-of-pocket costs, lower deductibles and plan limits, lower co-pays and maybe best of all, no paperwork or claim forms. 
 

HSA Eligible plan is a high deductible plan which enables one to open a savings account.

HSA plans are similar to an IRA plan. One may save in a tax deductible account amounts starting at $2,000.

One is partially self-insuring themselves with the Health Savings Account concept.

An individual may choose a traditional $500 deductible plan where $500 per month would be the premium or, he/she may choose a $3500 deductible HSA plan and pay a premium of $200 per month and save $300 per month in an HAS savings account. 

HEALTH INSURANCE PROVIDERS WE WORK WITH INCLUDE:

See Change Health Insurance
CA Blue Shield Health Insurance
Kaiser Permanente Health Insurance
Cigna Health Insurance
Aetna Health Insurance
Anthem Blue Cross CA Health Insurance
Healthnet Insurance
United Health Care Health Insurance

  

 

INSURANCE ADVISORS     5922 MIDIRON CIRCLE   HUNTINGTON BEACH, CA 92649
714-840-0047   
kathy@healthbroker.com   www.healthbroker.com
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