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Top factors to consider when selecting health plans

Posted on: January 10, 2014 By: Kevin Tavakoli

As new laws get passed our choices and availability of health plans change too. Under the new Affordable Care Reform Act, residents are able to select from new and different plans through Covered California.

There are many things to consider when shopping for a health plan. Compare health plans based on what is important to you. Here are some of the top factors to consider when shopping for a health plan.

  • Budget. Determine how much per month you can afford to spend on coverage.
  • Benefits offered. Determine if the amount of coverage is enough for all of your medical needs, including medications, dental, pregnancy, vision and any other specific disease or condition you have.
  • Doctor visits. Determine if you visit the doctor a lot or need regular prescriptions. If so, opt for a higher amount of coverage with low co-pays at the doctor’s office.
  • Annual income. Determine if your annual income will be enough after expenses to cover any out-of-pocket costs and deductibles.
  • Networks. If you already have a doctor, check to see which plans he accepts and if he is considered an in-network physician.

Take the time to review the different plans available and speak with a certified Covered California agent about the best options for you.

For more information about your health insurance services available in the Los Angeles, California area contact Save-On Health Insurance Services, Inc. today.

What Are the Different Coverage Levels for Covered California?

Posted on: December 2, 2013 By: Kevin Tavakoli

With so much talk going on about the Affordable Care Act, it can get a bit confusing deciphering what is actually available to California residents. Here are a few key pieces of information you need to know.

– Covered California is the state’s health insurance exchange program.

– There are three levels of coverage available from Covered California: Catastrophic, Bronze, and Silver.

– Catastrophic coverage is available only to persons under age thirty. It covers major hospital stays due to accident and/or illness.

– Bronze level offers preventative care and still keep premiums very affordable.

– Silver level is the highest level available and includes the maximum amount of coverage, including preventative care and catastrophic coverage.

While the exact conditions and medical services for these plans vary, it is important to weigh the benefits and drawbacks of each to determine which plan is right for you and your family. For more information on Los Angeles, California area health insurance, please contact Save-On Health Insurance Services, Inc. today.

What Types of Medical Coverage Does Covered California Offer?

Posted on: November 25, 2013 By: Kevin Tavakoli

Covered California offers access to quality health plans in an open marketplace as part of the Affordable Care Act. Here we have a list of the different ways individuals and families can get health insurance with the help of Covered California.

How Can Covered California Help You Get Health Insurance?

  • Offers a marketplace where individual and family plans will be available to millions of Californians that otherwise would be without medical insurance.
  • The program helps to make sure your coverage cannot be canceled or denied due to pre-existing conditions or if you suddenly get sick.
  • Offers the ability to shop and compare different health insurance plans to find the right fit for you and your family.
  • The program will also help you see if you are eligible for financial assistance to help reduce your health insurance costs.
  • Catastrophic coverage may be available to those under 30 or to those who may not have other options for coverage due to financial hardship.

If you would like more information on obtaining health insurance coverage in the greater Los Angeles area, please visit Save-On Insurance Services online and get a quote today.

Will Insurance Rates Rise with Covered California?

Posted on: November 22, 2013 By: Kevin Tavakoli

One question that many people are pondering today is whether Covered California insurance rates will be higher than current policy rates. As of now, there is no straightforward answer to this question. 

A comparison of policy rates on the small business market in California revealed little increase (2%) in the cost of Covered California policies as compared to average current rates. This minor increase included the extra medical coverage required of health insurance companies under the Affordable Care Act (ACA), like medical prescriptions, doctor visits and hospital stays. Some predictions even calculate a drop in insurance rates once the ACA is activated in 2014.  

There are several reasons why lower rates are being predicted for Covered California policies. Covered California has made great strides in strengthening its relationship with insurance providers to keep premiums at reasonable rates. Insurers are also experiencing a reduction in administrative costs, the savings of which can be passed on to consumers in the form of reduced premium prices. 

For more information about health insurance costs and benefits in the Los Angeles, California, area, contact Save-On Insurance Services. 

Are YOU California Covered?

Posted on: October 28, 2013 By: Kevin Tavakoli

The Affordable Care Act was implemented so that every American could have some form of health insurance. Covered California policies provide affordable insurance to everyone who meets the eligibility requirements. Unlike policies from corporate insurance companies, Covered California covers pre-existing medical conditions that would not be covered under a conventional policy. All major carriers are required to cover all pre-existing medical conditions as of January 1, 2014.

Individuals who may not be covered under regular health insurance policies due to poor health can gain coverage through the new, state mandated plans. Talking with your insurance agent will help you discover what types of conditions are covered and what policies would work best with your overall health. Whether you see your doctor on a regular basis or only visit when you absolutely have to, Covered California will make sure you have the right coverage.

Residents who live in the greater Los Angeles, California area can contact Save-On Insurance Services Inc. if they have any questions about their current insurance coverage. Covered California insurance is designed so everyone will have access to affordable healthcare coverage.