There are many different types of individual policies, including both private and government options for medical and dental plans. Each plan has 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. Most importantly, ask an expert. Susan Polk and her staff are licensed and trained to provide the very best guidance and advice for you and your family.
Some Basics You Should Know
If you fall into the category of low to moderate income, you or your children may qualify for a state-sponsored program, such as Medi-Cal, Healthy Families or Access for Infants and Mothers (AIM). The Foundation for Health Care Coverage in California has also 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. Click here to download booklet.
Individuals who do not qualify for a state-sponsored program may be interested in a private health or dental plan. Our quoting system will walk you through the various options in your area, or, if you prefer, please feel free to call our office and speak with one of our highly qualified licensed agents. We are always happy to give you guidance and quotes over the phone or schedule an appointment to meet one-on-one.
For California residents who do not medically qualify for individual insurance due to pre-existing conditions, we assist with both Federal Pre-Existing Condition Insurance Plan (PCIP) and California Major Risk Medical Insurance Program (MRMIP) applications.
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Shop carefully. Policies differ widely in coverage and cost. Look at policies from several insurers so you can compare them. |
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Make sure the policy protects you from large medical costs. |
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Read and understand the policy. Be sure it provides the kind of coverage that's right for you. |
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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. |
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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!