There are different types of policies, each with its advantages and disadvantages. It is important to remember there is no single "best" plan. The plan that's right for a single person may not be best for a family with small children. Choosing a health insurance plan is like making any other major purchase: You choose the plan that meets both your needs and your budget. For most people, this means deciding which plan is worth the cost. Also, because your situation may change, review your health insurance regularly to make sure you have the protection you need.
So which type is right for you? The Foundation for Health Care Coverage in California put together a consumer-friendly booklet that provides information on free and low-cost health care coverage for California residents. Click here to download booklet.
| Tips when shopping for individual and family insurance: | |
 |
Shop carefully. Policies differ widely in coverage and cost. Look at policies from several insurers so you can compare them. |
|
Make sure the policy protects you from large medical costs. |
|
Read and understand the policy. Be sure it provides the kind of coverage that's right for you. |
|
Check to see the policy clearly states the date that the policy will begin paying (some have a waiting period before coverage begins), and what is covered or excluded from coverage. |
|
Be sure there is a "free look" clause. Most companies give you at least ten days to look over your policy after you receive it. If you decide it is not for you, you can return it and have your premium refunded. |
Choosing the right health insurance plan is an important decision. Please
contact us so we can help you choose the plans that are best for you!