Archive for November, 2008

Blue Cross has many popular plans that have just come onto the market for individual and family health insurance in California. 

The new Blue Cross Smart Sense PPO plans have been super popular for those looking for affordable health insurance, while still maintaining major medical coverage.  Some of the downsides to the Smart Sense PPO plans is that they don’t include maternity benefits and your office visits are limited.   The nice thing with the Blue Cross Smart Sense plans is that you can choose to have both name brand and generic prescriptions or generic only prescription benefits.  Once you find the Blue Cross plan that you like, you can submit your Blue Cross application online or complete a paper application. 

Taken from Anthem Blue Cross of California’s website:

A wide range of annual deductible/monthly rate combinations. Just choose the one that fits your budget.

Lower rates on services when you use our network of more than 50,000 doctors and 400 hospitals. This means your share of medical costs will be lower, too.

Immediate benefits for your first three in-network doctor visits. You’ll just have copays with no deductible to meet.

A choice of prescription drug benefits (brand-name and generic drugs, or (generics only). This helps keep your out-of-pocket prescription costs to a minimum.

Health and wellness programs. The healthier you are, the more you’ll save on health care.

Out-of-state coverage. This protects you from the high cost of unexpected emergencies when you travel.

Do you currently have a small group health insurance in San Diego and looking to get better benefits or save?  There are so many small group health insurance plans on the market that it’s important that you really understand what you are looking for.  Are you looking to lower your monthly health insurance premiums or do you really want better benefits?   Do you prefer an HMO or PPO plan or even an HSA Health Insurance plan?  

Call you local San Diego insurance agent today to help you find the right plan for your company’s needs.  Small group health insurance can be so confusing with all of the requirements, so why not work with a trusted agent that can help make this process so much easier and hassle free?  Also, every so often, there are RAF specials for California health insurance carriers.  

R.A.F. stands for risk adjustment factor in health insurance lingo and terms.  For example, by law, in California insurers can only vary premiums by 10 percent amongst all the groups that they insure.  

When comparing HMO group health insurance plans, each company might have slightly different networks. One health insurance carrier might have two different hmo networks.  One might be a value network with a slightly smaller network.  Check to make sure that the health insurance company that you choose has a network that will meet your needs.

Are you looking for affordable health insurance in California?  Blue Shield of California has just come out with really popular plans for those looking for affordable health insurance in California.  The monthly premiums for these plans are among the lowest in the health insurance industry.  

So, why are these Blue Shield Vital Shield plans so affordable?  The have generic only prescription benefits?  Also, they have limited office visit benefits at twice per calendar year.  Also, there is no maternity benefits.  These plans might be good for those people in good health just looking for a plan with catastrophic benefits.   Call your local San Diego Insurance agent to help you find the right health insurance plan for your needs.  Once you find a plan, then you can submit a paper application or even submit your Blue Shield application online.  

From Blue Shield’s website: 

Our Vital ShieldSM plans provide coverage with basic benefits and a low or moderate deductible choice in case of hospitalization, surgery, or other major medical events. This lower-priced PPO option covers two office visits and generic drugs, before members have to meet a deductible.

Plan Highlights

Monthly rates staring at as low as $45* Choice of low or moderate annual deductible ($900 or $2900) Member is covered at 100% for most in-network services after meeting the annual coinsurance maximum ($4,900) Low copayments for generic prescription drugs at network pharmacies ($10) Two calendar-year office visits, which can be used  for preventive care, before meeting the deductible One of California’s largest PPO provider networks, so it’s easy to find a doctor

Ideal Clients

Price-driven shoppers   Uninsured, but employed   Ages 19 to 44   Clients seeking coverage in case of serious illness or injury Current clients thinking of dropping their health coverage due to rising rates

Are you looking for health insurance but tired of comparing all of the different plans?  The good news is that there are more choices than ever for individual and family health insurance in California.  The not so good news is that it can be very frustrating when you see the many San Diego health insurance plan choices on the market.

First figure out your needs, budget, and what you are looking for in terms of your ideal health insurance plan.  If you don’t find out your needs first and simply get lot’s of health insurance quotes in San Diego, you will get frustrated with the amount of information.  Once you have a basis for your ideal plan, find a local San Diego insurance agent to help you narrow down your choices so that you can find the right health insurance plan for your needs.  Once you find your ideal plan, you can submit your Blue Shield applicationand online or with a paper application if you prefer.  Online health insurance applications have been more popular lately because it helps speed up the process by going directly to the underwriters.

Are you looking to save on your family’s health insurance?  There are some really popular and affordable health insurance plans on the market right now.  Finding the right health insurance plan can be frustrating if you don’t have experience with health insurance.  Call or find a local San Diego Insurance agent to help you compare and find the right plan for your needs. 

Depending on your needs and for those looking for affordable health insurance plans without maternity benefits and generic only prescriptions, the Blue Shield Vital Shield plans have been really popular in California.  The Smart Sense plans by Anthem Blue  Cross have been really popular too.  Once you find a plan that you like, you can submit your Blue Shield application online or apply for Callifornia Blue Cross online too!

Have you already found a California Health Insurance plan that you are interested in?  Are you ready to submit your Blue Shield application for health insurance?   Health Insurance company’s in California are giving you more options to apply for health insurance.  You can apply the traditional way with a paper application or you can submit an application online.  The great thing with submitting your blue shield application online is that your application goes directly to the underwriters desk and helps speed up the decision and waiting process.  If you mail in your application, it can delay the process for an extra week or so.  Many individuals and family’s are now applying for health insurance online to  help speed up the process, reduce paperwork, and make it easier. 

Check with your local San Diego insurance agent today to see if you can apply for health insurance online.  This helps you save time with health insurance for your Blue Cross insurance or Blue Shield Insurance.

With so many California health insurance plans on the market, health insurance can be confusing.   Are you in between jobs, on COBRA, or just gratuated an need individual or family health insurance?  Find a local San Diego Insurance agent that can help you compare plans from all of the company’s at once.  This helps you save time by comparing all of the California health insurance plans at once. 

Before you compare plans, it’s a good idea to figure out your needs for in your ideal health insurance plan.  Do you need a PPO or HMO, or even an HSA plan?  How much are you looking to budget for your health insurance?  Do you need name brand prescription or maternity benefits?  What deductible (if any) do you prefer?  Your local California Insurance agent should be able to help answer your questions. 

Blue Cross of California has recently come out with a PPO plan that has really affordable rates, called the Smart Sense PPO plan.  Some of the downsides to this plan and the reason why it’s so affordable, is that it does not include maternity benefits and it has limited office visits before having to reach your deductible. 

Call your local San Diego Insurance agent today to help with all of your insurance needs.  Besides health insurance, some agents can help with affordable home insurance, renters insurance, apartment building insurance and HOA Insurance.  Call today and save!