Individual and Family Health Insurance
Information about Individual and Family Health Insurance Plans by Stage of Life
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Individual and Family Plans
Each person's insurance needs are unique and depend on one's lifestage, budget,
priorities, and other factors. Two people of the same age and gender may have vastly
different insurance needs. Consequently, there is a wide range of health insurance
options available to you. If you reflect on your needs, picking the right plan will
be much easier. Please, don't hesitate to contact us to discuss your options. If
you are unsure whether an HMO, PPO
or HSA plan will work best for you, we have a simple online health plan finder to help you decide. You can also
read more about the different plan types.
Individual
Individual Health Insurance is a great way to get affordable coverage. Many people
don't realize how expensive coverage for their family is when obtained through their
work's group health plan. Also, compared to COBRA, individual coverage is much more
affordable. We can cut costs by 50% or more for similar or better coverage! Check
out the affordable individual health insurance options available today.
Learn more about Individual Health Insurance »
Get an Individual Health Insurance Quote »
Family
Many Families choose to insure together on one health plan for financial simplicity
and convenience. With most carriers, you can keep your dependant on coverage until
age 23 if they are a full time student. However, it may be worthwhile to address
each family member’s coverage individually. After all, your husband won't need maternity
coverage any time soon.
Learn more about Family Health Insurance »
Get a Family Health Insurance Quote
»
Maternity
Finding a plan with good protection for pregnancy has become more complicated. While
group health plans still extend maternity coverage, many individual and family plans
now exclude it. Plans which cover maternity tend to be more expensive. If you plan
to have children, be sure to discuss your options with us before making a coverage
decision and before you are pregnant.
Learn more about Maternity Health Insurance »
Get answers about Maternity coverage »
Get a Health Insurance Quote that covers Maternity
»
Read our FREE Special Report on Maternity Coverage »
Student
Students live a faced-paced lifestyle. Many travel out of state for school, take
the semester off, or take a reduced class load that disqualifies them for school-based
insurance. You may need help minimizing these gaps in coverage. The good news is
that these plans are very affordable.
Learn more about Student Health Plans »
Get a Student Health Insurance Quote »
Short-Term
Short-term coverage is also referred to as temporary health insurance. If you find
yourself between jobs or waiting on a previously submitted health insurance application
and cannot do without coverage, a short-term plan will provide you with the protection
you need. Short-term plans are designed to fill coverage gaps of up to six months
at a time. Because they are temporary, the underwriting and approval process takes
less time.
Learn more about Short-Term Temporary Health Insurance »
Get a Short-term Temporary Health Insurance Quote »
Seniors
Insurance companies begin offering senior coverage at age 65 or when the person
has received coverage for Medicare parts A and B. Today's marketplace offers several
new options to seniors. You can still purchase traditional Medicare supplement plans,
as well as new Medicare Advantage Plans which work like an HMO. Many of these plans
are covered in part or total by Medicare. You should also consider adding coverage
for Medicare Part D – the prescription drug benefit.
Get a Medicare Supplement Health Insurance Quote
»
Dental
Most carriers offer an optional dental benefit which can be added to your health
plan or a stand alone plan. There are five types of dental plans available to individuals
in California. Be aware that stand-alone dental plans often have waiting periods
for non-preventative dental work.
Learn more about Dental Insurance »
Get a Dental Insurance Quote »
Life Insurance
California insurance carriers offer three major types of life insurance: term, whole,
and universal life. Generally speaking, young adults protects their spouses and
children with term life insurance. Older adults planning their estate use whole
life insurance, while universal life insurance is primarily as an investment.
Get a Life Insurance Quote »
Travel Insurance
Need to know which plan will work best for your scheduled trip abroad? Or are you
an inbound immigrant to the United States of America? Then this information is for
you.
- This guide is designed to give you comprehensive information and
comparison for your convenience
- Find the best plan for you by just answering a few questions!
- Get a quote as soon as you find the right plan for you!
- Get customer service support and brochures
- Get started by choosing a travel option
Get a quote on Travel Insurance »
Accident Insurance
This Accident Only Medical Expense benefit covers up to $5,000 for all covered necessary
medical and dental expenses per occurrence that are a direct result of an accidental
injury. With a $100 deductible, this plan covers active members and spouses under
age 70 and dependent children up to age 19. Coverage is extended to dependent children
up to age 26 if they are a full-time college student. (Child ONLY membership is
not available) The package also includes a $10,000 AD&D benefit as outlined below.
Critical Illness Coverage: will pay up to $25,000 to the insured and up to $12,500
to an Eligible Spouse, if they are diagnosed with a covered Critical Illness. Covered
Critical Illnesses: Life Threatening Cancer, Heart Attack, Kidney (Renal) Failure,
Stroke, Coma, Coronary Artery Bypass Graft, Loss of Sight, Speech or Hearing, Major
Organ Transplant, Paralysis and Severe Burns.
Get a quote
on Accident Only Insurance »
