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|Oleg Skurskiy Authorized
Insurance - Understanding The Basics
|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
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
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
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. Get A Free Health
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
|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,
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
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
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.
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,
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.