INDIVIDUAL AND FAMILY HEALTH COVERAGE
Getting Coverage for you and your family
Insurance can be confusing. We are here to help.
With the changes to Health Care and ACA "Open Enrollment" happens from November 1- January 31st. This is a time when you can apply and you are guaranteed to be accepted.
However, if you are applying outside that time frame, you will need a qualifying event.
Current Qualifying Events Include: Loosing you employer coverage, exhausting COBRA, getting married, giving birth, getting divorces or moving to the service area.
AS OF 4/18 Our So.California Carriers are Blue Shield, HealthNet, Kaiser, Oscar, LA Care, Molina
Coverage when you're leaving a job
We understand leaving a job can be overwhelming. When this occurs you have options. Learn about your COBRA options from your Employer or move onto an Individual plan.
PPO EPO or HMO?
Preferred Provider Organization (PPO)
A type of health plan that contracts with medical providers, such as hospitals and doctors, to create a network of participating providers. You pay less if you use providers that belong to the plan's network.
EPO stands for "Exclusive Provider Organization" plan. As a member of an EPO, you can use the doctors and hospitals within the EPO network, but cannot go outside the network for care. There are no out-of-network benefits.
Health Maintenance Organization (HMO)
A type of health insurance plan that usually limits coverage to care from doctors who work for or contract with the HMO. It generally won't cover out-of-network care except in an emergency. An HMO may require you to live or work in its service area to be eligible for coverage.
SHORT TERM AND OVERSEAS COVERAGE
Overseas Coverage
Going on vacation or going for work? Most US Health Insurance policies do not cover you while overseas. We have options for Single Trip Coverage and Extened Trips. We also have options for those who travel throughout the year on a single policy.
Short Term Coverage
In between jobs? Missed the open enrollment period? Coverage has been cancelled? Short Term Coverage can be a great alternate in this situation. Keep in mind, these policies will typically not have the preventative benefits that ACA plans carry. Policy length is 3-6 months for most carriers.