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Understanding Your Health Insurance Coverage

Posted on: April 28, 2014 By: Kevin Tavakoli

Knowing what your health insurance will cover is important to understanding what will be paid out of pocket during any hospital visits. 

There are different coverage options you can choose from, the most common being:

  • PPO: This coverage will give you access to services for a reduced cost. This coverage will cover all or most of the cost for a treatment. 
  • HMO: This a group plan in which you pay a flat fee. Then you will have access to services from hospitals that participate with this coverage. Typically, you will pay co-payments, but you will not have to pay deductibles. 
  • Fee-For-Service: This is the most traditional type of coverage in which you will be able to visit any doctor of your choice. During your visit, you will pay for the services then make a claim with your health insurance for reimbursement. 

With Save-On Health Insurance Services, we will help you find a health insurance option that is affordable, but will still provide high quality services. Every individual qualifies for different conditions on their health insurance coverage. It is important to use our services to find the perfect match for your own individual needs. 

 For more information about your health insurance coverage in California please contact Save-On Health Insurance Services, located in Los Angeles.

Health Insurance Terms You Should Know

Posted on: January 6, 2014 By: Kevin Tavakoli

Interest in health insurance has never been higher in Los Angeles. As you read about the Affordable Care Act (ACA) and other changes, Save-on Health Insurance Services recommends you keep these terms in mind:

Premium: The monthly fee you pay to the insurance company for your coverage.

Exchange: Under the ACA, people who do not receive health insurance through their employers can purchase it through an exchange, such as Covered California.

Copayment: The fee a health plan member must pay for an office visit or other procedure. This is an out-of-pocket expense, which will not be reimbursed by the insurance company.

Coinsurance: The amount of a medical bill that a member must pay. This amount is usually a percentage of the total cost.

Deductible: The amount a health plan member must pay before insurance reimbursement begins. Depending on the plan, the amount can range from nothing to thousands of dollars.

Out-of-pocket: Costs that are borne by a health plan member, without reimbursement. When the out-of-pocket maximum is reached, the insurer pays 100 percent of all approved medical expenses.

Mandate: The provisions in the ACA requiring individuals and employers to provide insurance or pay additional taxes.

Save On Insurance Services, Inc. can guide you through the health care changes. Learn more by contacting us.

Here’s Why You Should Buy Health Insurance

Posted on: December 9, 2013 By: Kevin Tavakoli

A lot of grumbling has been coming from the populace about "being forced" to buy health insurance. The idea of a law that requires people to do something that is a cost is not appealing to many. However, there’s good reasons why to have coverage, even if it doesn’t seem so on the surface.

Having health insurance could be considered a form of preventative maintenance. Someone who knows they are covered when they are sick are far more likely to take care of the problem sooner, when it is easily fixed, than later, when the problem is more costly to treat. The healthier the population, the lower health care costs stay for everyone.

Even though the costs seem high now, the potential for the rates to go lower in the future is there. More insured individuals and families spreads the risk of a claim farther, thus lowering the overall cost. It works like this: insurance companies pool their customers into groups. Someone in a smaller pool of like individuals is going to pay more money than someone who is in a larger pool. The more people in the same pool, the lower the cost, and the Health Care Act brings in more people to create a larger pool. Eventually, everyone gets lower premiums.

Are you looking for a health insurance policy and live in the Los Angeles, California area? Contact Save-On Health Insurance Services, Inc. today to talk to an agent about your options!

5 Tips to Improve Your Family’s Time Management

Posted on: November 8, 2013 By: Kevin Tavakoli

People are busier today than ever and time management is key to keeping your family life organized. Follow these simple tips to make managing your home less stressful.

5 Time Management Tips

  1. Have a place for everything. Put a basket by the front doorway for keys, outgoing mail, loose change, and other items that need to be retrieved quickly.
  2. Pre-plan meals. Find quick, easy, and delicious recipes that can be made ahead of time. One great way to save time cooking is to prepare crockpot recipes that can slow cook throughout the day and ready when you get home.
  3. Prepare outfits in advance. Make sure all of your clothes and your kids clothes are washed, ironed, and organized for the week. Waste no more time searching for what to wear in the morning.
  4. Clean as you go. Do not wait until the weekend to clean the house, clean as you go. When you take something out, make sure you put it back when you finish.
  5. Make a to-do-list. One of the best ways to increase time management is to make a to-do-list for the next day. The list should also include a time for most activities.

For more information about family management and health insurance in the Los Angeles area contact Save-On Insurance Services.              

How Subsidies Help You Save Money on Health Insurance

Posted on: October 18, 2013 By: Kevin Tavakoli

The health care exchanges have changed the way people buy insurance by offering consumers the ability to shop and compare plans. But for some, the premiums are still out of reach due to having insufficient income. Instead of going without coverage, there are subsidies available that reduce the amount of the monthly premium, and are available immediately.  The only way the subsidies are obtained is by buying a policy through an exchange or Covered California.

How much the applicant receives in subsidies for their health insurance premium depends on where their income falls. A subsidy calculator can help determine if the annual income is low enough to qualify. Typically income has to be anywhere between 100 percent and 400 percent of the federal poverty limit, and annual income can be as much as $92,000 for a family of four. 

Are you resident of Los Angeles or any city in California and   looking for information about health insurance? Contact Save-On Health Insurance Services, Inc. today!

About Save-On Health Insurance Services

Posted on: October 16, 2013 By: Kevin Tavakoli

Save-On Health Insurance Services, Inc. has been a leading independent insurance agent offering top value for the Los Angeles area since 1985. We have a no application or processing for our clients. As an independent insurance agent, we are able to find you the most comprehensive   for your insurance coverage needs at the best possible price.

We are a one-stop shop that takes you from the comparisons of coverage and companies to the purchasing of health insurance coverage on line. On our website you can shop and get quotes from all Major carriers , compare plans side by side and apply on line 24/7 365 days a year. We provide access to major carriers including Anthem Blue Cross of California, Blue Shield of California, HealthNet, Cigna, and Kaiser. By using an independent agent to search through these health insurance companies, you can access dozens of applicable policies in order to find the best fit for you and your family. We also offer all Medicare supplemental plans dental plans. All medical and dentals plan available can be chosen as PPO or HMO plans. HSA plans are also offered.

Save-On Health Insurance Services, Inc. of the Los Angeles CA area offers value in health insurance. Our office are located in West Los Angeles and serving all surrounding cities such as Santa Monica, Beverly Hills, Brentwood, Pacific Palisades, Malibu, Mar Vista, Playa Del Rey, Marina Del Rey, Culver city, West Hollywood, Hollywood, Bel Air, Encino, Sherman Oaks, Studio City, Tarzana, Woodland Hills , Orange County, Ventura County. For more information regarding commercial, auto, homeowner, Umbrella, personal property or health insurance, contact our agents today!