KATHY HOPE |
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Insurance Advisors |
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YOUR
CA HEALTH INSURANCE BROKER FOR 22+ YEARS |
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Individual, Child-Only, Family, Entrepreneur, Small Business, Group,
Medicare |
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Serving Northern and Southern California |
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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 |
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Scroll down to see more info on each.
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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!" |
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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. |
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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. |
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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. |
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HEALTH
INSURANCE PROVIDERS WE WORK WITH INCLUDE:
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