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Assurant
Health makes
it easy for you to get health
insurance the way you want
it. You'll get:
- Many plan and benefit
options — so you can
choose what best meets your
needs
- Information in plain
English — not "insurance
speak"
- An easy way to apply for
coverage
- Quality health insurance
and competitive pricing
- The backing of an industry
leader with more than 110
years in the business
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Health
Insurance Overview
Just like other forms of insurance,
for your car and your home, health
insurance helps relieve the burden
of unexpected events: you put away
a little in case you need a lot
later. You and your family's health
should be of the highest priority.
Every year, the cost of healthcare
increases dramatically. Simple same-day
surgeries, required tests and emergency
attention can add up to thousands
of dollars or more.
The overall benefits of health
insurance are obvious. You won't
be avoiding the doctor because it
costs too much. The hospital bills
won't be piling upon your desk waiting
for attention. Your health insurance
will provide the help and care you
demand. Also, if you drive a car,
health insurance will work cooperatively
with your auto insurance in case
of an accident.
There are many health insurance
companies available, offering various
types of plans. We are capable to
get you the best plan and coverage
to suit your needs.
Using this comprehensive tutorial,
you can find out about different
types of health insurance, choosing
a policy, and much more. |
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Health Insurance - Understanding
The Basics |
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What is health insurance?
Simply put, health insurance is protection
against medical costs. A health insurance
policy is a contract between an insurer
and an individual or group, in which
the insurer agrees to provide specified
health insurance at an agreed-upon
price (the premium). Depending on
your policy, your premium may be payable
either in a lump sum or in installments.
Health insurance usually provides
either direct payment or reimbursement
for expenses associated with illnesses
and injuries. If your employer does
not offer a health insurance plan,
you may wish to purchase health insurance
on your own.
Why do you need it?
Let's face it-- health insurance
is a necessity in today's world.
The costs of medical care and treatment
have soared to new heights in recent
years and are expected to rise even
further in the years to come. Think
for a moment about the enormous
medical costs you would incur if
you suffered a major injury tomorrow
or were suddenly stricken with a
life-threatening illness. Uninsured
people live with such risk every
day of their lives; health insurance
can shield you from that risk. Even
if you're healthy today and have
never had any major problems in
the past, you simply can't predict
the future.
In addition to medical emergencies,
routine conditions requiring visits
to a physician happen all the time.
This is especially true if you have
children. Ear infections, rashes,
and high fevers are commonplace
with infants and children; numerous
trips to the doctor can be pretty
expensive without health insurance.
What do you need to know?
You should know where to get health
insurance, and understand the various
types of private health insurance
that are available. There are some
important differences between indemnity
plans, HMOs, PPOs, and POS plans
worthy of understanding.
You should also make every effort
to understand your own health insurance
policy, and become familiar with
common health insurance provisions,
including limitations, exclusions,
and riders. It's important to know
what your policy covers, and what
you'll have to pay for in out-of-pocket
expenses.
When comparing health insurance
policies, you should strive to balance
coverage against cost. While price
is an important consideration, there
are also other factors that may
influence your decision when it
come to choosing a health insurance
plan.
Understanding the taxation of health
insurance benefits and premiums
is also an important issue, especially
if you're self-employed.
Being aware of your COBRA rights,
in the event that you lose your
health insurance coverage due to
a change in employment or other
factors is also worth investigating.
When to get it?
If you don't have health insurance
right now, you should seriously
consider purchasing it as soon as
possible. No one can predict the
future--you don't know when you
might suffer an accident or become
seriously ill. Health insurance
can help to protect you against
financial ruin.
Please Note: The information contained
in this Web site is provided solely
as a source of general information
and resource. It is a not a statement
of contract and coverage may not
apply in all areas or circumstances.
For a complete description of coverages,
always read the insurance policy,
including all endorsements
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Blue Cross of California has been
serving the health care needs of Californians
since 1937. Blue Cross of California,
together with its branded affiliates,
provides health care services to more
than 6.8 million members. Offering
a full continuum of product and coverage
options, Blue Cross provides customers
with unparalleled choice and flexibility
in meeting their health plan needs.
These options are continually fine-tuned
to enhance access to affordable, quality
health care. The Company, with its
strong track record for innovation,
focuses on progressive products and
services designed to improve the health
status of all Californians. Unique
product offerings available in the
individual, small group, large group,
senior and Medi-Cal markets include
a full range of integrated medical
and specialty products.
Blue Shield of California Life
& Health Insurance Company Life
has grown by offering competitive
insurance products including Group
Term Life, Accidental Death &
Dismemberment, Blue Shield of California
Life & Health Insurance Company
Life Vision Plan, Stop Loss and
Exec-U-Med medical reimbursement
plans in tandem with Blue Shield
of California health plans or on
a stand-alone basis . In the early
1980s, introduced their Short-Term
Health products. The Option One
and Option Twelve plans remain one
of the leading products of their
kind in California
PacifiCare Signature FreedomSM
With the PacifiCare SignatureFreedomSM
(SDHP) plan, you can enjoy the freedom
and flexibility of a traditional
PPO plan with the added feature
of Self Directed Account (SDA).
The SDA is fully insured by PacifiCare
Life and Health Insurance Company
and provides a yearly credit of
$1,000 for certain routine and preventive
services.
Any unused funds carry over year
after year, for as long as you are
enrolled on the plan.
Once you deplete your SDA, or if
you require services not covered
by the SDA, the plan defaults to
a PPO plan.
You must meet annual deductibles.
Eligible medical services paid from
the SDA will count toward satisfying
the PPO deductible.
PacifiCare SignatureValueSM
These coordinated plans provide
the most comprehensive coverage
of our plan offerings. Your medical
care is coordinated by the primary
care physician (PCP) you select.
You visit your PCP for general medical
care, and when you need to see a
specialist, your PCP provides a
referral. In general:
You choose a PCP from our network.
You are charged only a co-payment
for a doctor's visit. After your
co-payment, many health care expenses
are covered at 100%.
Preventive health care, including
check-ups, is covered.
You do not have to meet an annual
deductible
Assurant Health is the brand name
used for products underwritten and
issued by Time Insurance Company,
John Alden Life Insurance Company
and Union Security Insurance Company.
California license numbers: 08109
( Time Insurance Company), 08107
(Union Security Insurance Company)
and 3894 (John Alden Life Insurance
Company). Assurant Health only accepts
agent business from agents licensed
and appointed in accordance with
state laws.
Free Health Insurance Quote offered
through Affiliate Program at Alabama,
Alaska, Arizona, Arkansas, Connecticut,
Delaware, District of Columbia (Washington
DC), Florida, Georgia, Hawaii, Idaho,
Illinois, Indiana, Iowa, Kansas,
Kentucky, Louisiana, Maine, Maryland,
Massachusetts, Michigan, Minnesota,
Mississippi, Missouri, Montana,
Nebraska, Nevada, New Hampshire,
New Jersey, New Mexico, New York,
North Carolina, North Dakota, Ohio,
Oklahoma, Oregon, Pennsylvania,
Rhode Island, South Carolina, South
Dakota, Tennessee, Texas, Utah,
Vermont, Virginia, Washington, West
Virginia, Wisconsin, and Wyoming.
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Individual Health
Plan of California
Aetna PPO 500
Aetna PPO 1500
Aetna PPO 2500
Aetna PPO 5000
Aetna PPO HSA 1
Aetna PPO HSA 2
Aetna PPO Value 1500
Aetna PPO Value 2500
Aetna PPO Value 5000
Blue Cross Tonik 1500
Blue Cross Tonik 5000
Blue Cross Tonik 3000
Blue Cross Basic PPO 2500
Blue Cross Basic PPO 1000
Blue Cross PPO 3500
Blue Cross PPO 3500 HSA
Blue Cross PPO Share 5000
Blue Cross PPO Saver
Blue Cross PPO Share 2500
Blue Cross PPO Share 1500
Blue Cross PPO Share 1000
Blue Cross PPO Share 500
Blue Cross EPO (HSA Compatible)
Blue Cross HMO Saver
Blue Cross HMO 100
BC Select HMO BC Select HMO
BC Right Plan Right Plan -
No Rx
BC Right Plan Right Plan -
Generic Rx
BC Right Plan Right Plan -
Full Rx
BC Tonik Tonic 1500
BC Tonik Tonic 3000
BC Tonik Tonic 5000
Blue Shield Shield Spectrum
PPO 500
Blue Shield Shield Spectrum
PPO 750
Blue Shield Shield Spectrum
PPO 1500
Blue Shield Shield Spectrum
PPO 2000
Blue Shield Shield Spectrum
PPO 5000
Blue Shield Spectrum PPO Savings
2400
Blue Shield Spectrum PPO Savings
4000
Blue Shield Access+ HMO
Blue Shield Access+ Value
HMO
BS Subscriber Only Active
Start 35
BS Subscriber Only Active
Start 25
BS Subscriber Only Essential
3000
BS Subscriber Only Essential
3000
Health Net HMO 15
Health Net HMO 40
Health Net SmartChoice HSA
2500
Health Net SimpleChoice HSA
4000
Health Net FirstChoice PPO
Health Net SimpleChoice 50
Health Net SimpleChoice 40
Health Net SimpleChoice 35
Health Net SimpleChoice 25
Health Net SimpleChoice 15
Health Net VB Value Choice
1500
Health Net VB SimpleValue
50
Health Net VB SimpleValue
50 Rx
Health Net VB SimpleValue
40
Health Net VB SimpleValue
40 Rx
Health Net VB SimpleValue
30
Health Net VB SimpleValue
30 Rx
Nationwide PPO 25 $750 Ded
Nationwide PPO 25 $1500 Ded
Nationwide PPO 25 $2500 Ded
Nationwide Lifestyle 1750
Gen Rx
Nationwide Lifestyle 1750
Nationwide Lifestyle 2500
Gen Rx
Nationwide Lifestyle 2500
Nationwide Lifestyle 3500
Gen Rx
Nationwide Lifestyle 3500
Nationwide Lifestyle 4500
Gen Rx
Nationwide Lifestyle 4500
Pacificare HMO 10-35/250
Pacificare HMO 20-35/80
Pacificare HMO 35/70
Pacificare HMO 35/50
Pacificare PPO 70/50/500
Pacificare PPO 70/50/1000
Pacificare PPO 70/50/2000
Pacificare PPO 60/50/2500
Pacificare PPO 70/50/3000
Pacificare PPO 70/50/5000
Pacificare PPO HSA 2700
Pacificare PPO HSA 5000
Pacificare PPO 70/50/3000
SD
Pacificare PPO 70/50/5000
SD
Pacificare PPO 70/50/1000
Maternity
Pacificare PPO 70/50/1500
MaternityAetna HMO Plan 10-30
Aetna HMO Plan 20-40
Aetna HMO Plan 30-40
Aetna EPO 90
Aetna EPO 80
Aetna Basic PPO
Aetna MC Zero 90/60 PPO
Aetna MC $250 90/70 PPO
Aetna MC $500 90/70 PPO
Aetna MC $250 80/60 PPO
Aetna MC $500 80/60 PPO
Aetna mc $500 80/50 PPO
Aetna MC $1000 80/50 PPO
Aetna MC $2000 80/50 PPO
Aetna HSA 2100
Aetna HSA 3000
Aetna Value HMO Value HMO
25-40
Aetna Value HMO Value HMO
15-30
Aetna Value HMO Value HMO
10-20
Blue Cross Saver HMO
Blue Cross Classic HMO
Blue Cross HMO 100
Blue Cross Basic PPO
Blue Cross Hospital BeneFits
Blue Cross Hospital BeneFits
Plus
Blue Cross Hospital BeneFits
Pref
Blue Cross High Deductible
EPO
Blue Cross Saver PPO
Blue Cross PPO 40
Blue Cross PPO 30
Blue Cross PPO 35 GenRx
Blue Cross Power Fund 750
Blue Cross Power Fund 500
Blue Cross Advantage 25 PPO
Blue Cross Premier 20 PPO
Blue Cross Premier 10 PPO
Blue Cross PPO 2400
Blue Cross PPO 3500
Blue Cross PS HMO Power Select
HMO Plan
Blue Shield Access+ HMO 5
Blue Shield Access+ HMO 10
Blue Shield Access+ HMO 15
Blue Shield Access+ HMO 20
Blue Shield Access+ H00025
Blue Shield Access+ HMO 40
Blue Shield Added Advantage
POS 300
Blue Shield Pref Sav $1250
Ded
Blue Shield Pref Sav $2250
Ded
Blue Shield Pref Sav $2600
Ded
Blue Shield Spectrum PPO Zero
Deductible
Blue Shield Spectrum PPO 250
Premier
Blue Shield Spectrum PPO 250
Standard
Blue Shield Spectrum PPO 500
Value
Blue Shield Spectrum PPO 500
Standard
Blue Shield Spectrum PPO 500
Premier
Blue Shield Spectrum PPO 1000
Blue Shield Spectrum PPO 3000
Blue Shield Active Choice
500
Blue Shield Active Choice
750
Health Net HMO 10
Health Net HMO 15
Health Net HMO 20
Health Net HMO 30
Health Net HMO 35
Health Net HMO 40
Health Net HMO Xtra Value
20
Health Net HMO Xtra Value
40
Health Net Variable Hosp Copay
HMO 25
Health Net Variable Hosp Copay
HMO 35
Health Net Elect Open Acces
30
Health Net Elect Open Access
25
Health Net Elect Open Access
20
Health Net Elect Open Access
10
Health Net Select 30 POS
Health Net Select 20 POS
Health Net Sel Prem 10 POS
Health Net Saver PPO
Health Net PPO 40
Health Net PPO 35
Health Net PPO 30
Health Net PPO 25
Health Net PPO 20
Health Net PPO 15
Health Net PPO 10
Health Net HSA 2000
Health Net HSA 3000
Health Net Silver HMO 20 Silver
Health Net Silver HMO 40 Silver
Health Net Silver HMO Xtra
Value 20 Silver
Health Net Silver HMO Xtra
Value 40 Silver
Health Net Salud Salud HMO
Health Net Salud Salud PPO
Kaiser HMO Ded 30/1000
Kaiser HMO Ded 30/1500
Kaiser HMO Plan 5
Kaiser HMO Plan 15
Kaiser HMO Plan 20
Kaiser HMO Plan 30
Kaiser HMO Plan 50
Kaiser Point of Service Plan
Nationwide Plan 1
Nationwide Plan 2
Nationwide Plan 3
Nationwide Plan 4
Nationwide Plan 5
Nationwide Plan 6
PacifiCare HMO 10
PacifiCare HMO 15
PacifiCare HMO 10/500d
PacifiCare HMO 20
PacifiCare HMO 35/600d
PacifiCare POS 15/80-60
PacifiCare PPO 80/60-250
PacifiCare PPO 70/50-250
PacifiCare PPO 80/60-500
PacifiCare PPO 70/50-1000
PacifiCare PPO 35-50/50-1000
PacifiCare PPO 70/50-2000
PacifiCare PPO 70/50-3500
PacifiCare PPO 80/50-2000/freedom
PacifiCare PPO 70/50-2000/freedom
PacifiCare PPO 50/50-3000/freedom
PacifiCare PPO HSA 2700
PacifiCare PPO HSA 3500
PacifiCare PPO HSA 5000
Pacificare Adv HMO HMO 10/500d
Pacificare Adv HMO HMO 35/600d
Sharp Health Plan HMO Plan
A
Sharp Health Plan HMO Plan
AB
Sharp Health Plan HMO Plan
C
Sharp Health Plan HMO Plan
AD
Sharp Health Plan HMO Plan
AE
Western Health Adv HMO Premier
5
Western Health Adv HMO Premier
10
Western Health Adv HMO Premier
15
Western Health Adv HMO Premier
20
Western Health Adv HMO Advantage
15-30
Western Health Adv HMO Advantage
420
Western Health Adv HMO Advantage
70
Western Health Adv HMO Advantage
30-40
Western Health Adv HMO Advantage
40
Western Health Adv HMO Deductible
1000 |
Health
Insurance Companies by State
Alaska
Celtic Ins. Co.
Golden Rule
Alabama
Celtic Ins. Co.
Time Insurance Company
Golden Rule
Arkansas
Celtic Ins. Co.
Golden Rule
American Medical Security
Life Insurance Company
Arkansas Blue Cross and Blue
Shield
Arizona
Health Net of Arizona
Celtic Ins. Co.
Golden Rule
PacifiCare of Arizona
Time Insurance Company
American Medical Security
Life Insurance Company
Humana
Aetna
CIGNA
LifeWise Health Plan of Arizona
California
Blue Shield of California
Blue Cross of California
PacifiCare
Health Net
Kaiser Permanente of CA
Time Insurance Company
Aetna
Colorado
Kaiser Permanente
American Medical Security
Life Insurance Company
Anthem BlueCross BlueShield
Celtic Ins. Co.
Golden Rule
PacifiCare
Humana
Connecticut
Celtic Ins. Co.
Golden Rule
Anthem Blue Cross and Blue
Shield of CT
Aetna
Dist. of Columbia
Celtic Ins. Co.
CareFirst BlueCross BlueShield
Aetna
Time Insurance Company
Kaiser Mid-Atlantic
Delaware
Golden Rule
American Medical Security
Life Insurance Company
Celtic Ins. Co.
Aetna
Florida
Golden Rule
Celtic Ins. Co.
Time Insurance Company
Vista Healthplan of South
Florida
Humana
Aetna
Georgia
Kaiser Permanente
Celtic Ins. Co.
Golden Rule
Blue Cross Blue Shield of
Georgia
Humana
Time Insurance Company
Aetna
Hawaii
Kaiser Permanente of HI
Iowa
Celtic Ins. Co.
American Medical Security
Life Insurance Company
Golden Rule
Idaho
Blue Cross of Idaho
Time Insurance Company
Regence BlueShield
Illinois
Celtic Ins. Co.
UNICARE
Golden Rule
BlueCross BlueShield of Illinois
American Medical Security
Life Insurance Company
Humana
Time Insurance Company
Aetna
Indiana
Anthem Blue Cross and Blue
Shield
UNICARE
Golden Rule
Celtic Ins. Co.
Kansas
BlueCross BlueShield of Kansas
City
Celtic Ins. Co.
Humana
Kentucky
Anthem Blue Cross and Blue
Shield
Humana
Golden Rule
Louisiana
Celtic Ins. Co.
Time Insurance Company
Humana
BlueCross BlueShield of Louisiana
Maryland
CareFirst BlueCross BlueShield
Golden Rule
Aetna
Kaiser Mid-Atlantic
Michigan
American Medical Security
Life Insurance Company
Celtic Ins. Co.
Golden Rule
Time Insurance Company
Blue Cross Blue Shield of
Michigan
Humana
UNICARE
Minnesota
Blue Cross and Blue Shield
of Minnesota
HealthPartners
Medica of Minnesota
Missouri
Blue Cross Blue Shield of
Missouri
American Medical Security
Life Insurance Company
Golden Rule
Celtic Ins. Co.
BlueCross BlueShield of Kansas
City
Humana
Mississippi
Celtic Ins. Co.
Golden Rule
Montana
Celtic Ins. Co.
Time Insurance Company
BlueCross BlueShield of Montana
North Carolina
American Medical Security
Life Insurance Company
Celtic Ins. Co.
Time Insurance Company
North Dakota
Time Insurance Company
Nebraska
BlueCross BlueShield of Nebraska
Celtic Ins. Co.
Golden Rule
American Medical Security
Life Insurance Company
New Hampshire
Celtic Ins. Co.
New Jersey
Horizon Blue Cross Blue Shield
of New Jersey
Oxford Health Plans, Inc.
New Mexico
American Medical Security
Life Insurance Company
Celtic Ins. Co.
Blue Cross Blue Shield of
New Mexico
Nevada
Anthem BlueCross BlueShield
Health Plan of Nevada
Celtic Ins. Co.
PacifiCare of Nevada
New York
Group Health Incorporated
Ohio
Anthem Blue Cross and Blue
Shield
Celtic Ins. Co.
Golden Rule
American Medical Security
Life Insurance Company
Kaiser Permanente of Ohio
Medical Mutual
Humana
Time Insurance Company
Aetna
HealthAmerica
Oklahoma
Celtic Ins. Co.
Golden Rule
American Medical Security
Life Insurance Company
Oregon
Regence BlueCross BlueShield
of Oregon
Health Net of Oregon
LifeWise Health Plan of Oregon
Kaiser Permanente
PacifiCare of Oregon
Pennsylvania
Celtic Ins. Co.
Golden Rule
American Medical Security
Life Insurance Company
Time Insurance Company
Aetna
HealthAmerica
South Carolina
Celtic Ins. Co.
Blue Cross and Blue Shield
of South Carolina
Golden Rule
South Dakota
Celtic Ins. Co.
Medica
Tennessee
American Medical Security
Life Insurance Company
Golden Rule
BlueCross BlueShield of Tennessee
Celtic Ins. Co.
Humana
Texas
Celtic Insurance Company
UNICARE Life & Health
Insurance Company
Golden Rule Insurance Company
Time Insurance Company
Blue Cross and Blue Shield
of Texas, A Division OF Health
Care Service Corporation
Humana Insurance Company
Aetna Life Insurance Company
Utah
Intermountain Health Care
Regence BlueCross BlueShield
of Utah
American Medical Security
Life Insurance Company
Virginia
Golden Rule
UNICARE
Anthem Blue Cross and Blue
Shield
CareFirst BlueCross BlueShield
Aetna
Kaiser Mid-Atlantic
Washington
LifeWise Health Plan of Washington
Group Health Cooperative
Regence BlueShield
Regence BlueCross BlueShield
of Oregon
Wisconsin
American Medical Security
Life Insurance Company
Celtic Ins. Co.
Golden Rule
Blue Cross Blue Shield of
Wisconsin
Humana
Wyoming
Celtic Ins. Co.
Time Insurance Company
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| Free Health Insurance Quote offered through
Affiliate Program at Alabama, Alaska, Arizona,
Arkansas, Connecticut, Delaware, District of Columbia
(Washington DC), Florida, Georgia, Hawaii, Idaho,
Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana,
Maine, Maryland, Massachusetts, Michigan, Minnesota,
Mississippi, Missouri, Montana, Nebraska, Nevada,
New Hampshire, New Jersey, New Mexico, New York,
North Carolina, North Dakota, Ohio, Oklahoma,
Oregon, Pennsylvania, Rhode Island, South Carolina,
South Dakota, Tennessee, Texas, Utah, Vermont,
Virginia, Washington, West Virginia, Wisconsin,
and Wyoming. |
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