With so many different options, deciding on the right California Health Insurance can be confusing. But with the changing laws and the cost of healthcare on the rise, you can't afford to take chances with the health of you and your family members. If an accident or illness strikes, paying high medical costs out of your own pocket can be a financial disaster. If your employer does not offer an adequate health benefit package, or you are self employed, unemployed, retired, or a student, we can help you sort through the maze of different insurance options and find the right plan at a price you can afford.
Most health care plans are some form of Managed Care. Managed Care policies include Health Maintenance Organizations (HMO), Preferred Provider Organizations (PPO), and Point-Of-Service (POS).
HMO – With HMO's all your health care services go through your primary care physician. You will need a referral before seeing specialists or other health care professionals. This usually means less paperwork and lower health care costs for everyone.
PPO – This plan offers more flexibility. You do not need a primary care physician and can go to any health care professional you chose although with staying inside the network you will have lower out-of-pocket costs.
Obtaining the right California medical insurance coverage is crucial. If you prefer to have your care coordinated through your primary care doctor, an HMO plan might be the right choice for you. If you would prefer more flexibility with your medical care or see a lot of specialists, you might look into a PPO plan.
Our team of professionals at ISU Barich Insurance can help you sort through all the options and help you choose the right California health insurance plan for your specific needs. Give us a call today for your free quote!