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Understanding how health insurance coverage works and finding a health plan that meets your needs at a reasonable and affordable price can be difficult and frustrating. Health insurance offers protection in case of unexpected medical emergencies. Even minor illnesses and injuries can cost thousands of dollars for diagnosis and treatment. A health insurance policy assists policy owners in paying for hospitalization, doctors, medication and other medical needs depending on the plan, and may even cover lost wages in the case of a non-work related illness or injury, which can be financially devastating. Having adequate health care coverage not only helps ensure that you will get the care you need, but also helps protect you and your family from large financial losses in the event of an unexpected illness or injury.

Our goal is to help you to determine what type of medical insurance plan best fits your health and budgetary requirements.

California Health Insurance Types

  • Health Maintenance Organization (HMO)
  • Point-of-service (POS)
  • Preferred Provider Organizations (PPO)
  • Indemnity Plans.

Health Maintenance Organizations (HMOs):

HMOs are considered “pure” managed care. In this plan, once you join an HMO health plan you pay a monthly fee. HMOs have a network of physicians and hospitals and require members to choose a primary care physician to provide healthcare. If a member needs a specialist, the primary care physician will refer the member to the specialist who is in the HMO network. There are often co-payments that need to be covered each time you visit a doctor, and if members receive service out of network they pay all the expenses.

Preferred Provider Organization (PPO):

A PPO Plans allow you to choose a doctor or hospital from a list of “preferred” providers in order to receive full benefits. If you go to a doctor or hospital that is not on the list, the plan may cover a smaller percentage or none of your costs. Make certain your doctor refers you to other providers who are on the list, or who the carrier agrees to pay at the “preferred” rate.

Point of Service (POS):

A POS plan is similar to a PPO with limited coverage to members who choose to go out-of-network for medical care. If members visit physicians within the network they don’t have to pay any deductible and have limited co-payments.

Indemnity plans:

An indemnity plan gives more freedom to its members than managed care plans. In this plan, members can visit the doctor of their choice. There is no network of physicians involved in an indemnity plan and there are no restrictions. This plan is more expensive than managed care plans and often involves more out-of-pocket expenses.


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Short Term Health and Medical Insurance

Short term health insurance, also referred to as temporary insurance, is intended for a short period of time. For those times when health insurance for a period of less than six months is appropriate, then this could be the best choice for you. One example of when this type of insurance may be useful is when there is a waiting period for group health coverage. Many customers do choose short term insurance for this purpose. Another example of when a customer may choose short term insurance is when he or she is between jobs.

There are commonly two types of short term health insurance available; monthly rate and daily rate. Short term coverage usually includes emergency medicine, ambulance needs, drug costs and additional benefits. There are often options to renew the plan or period of insurance for up to a year.

Student Health Insurance

Most of the colleges have student medical insurance requirements for full-time students. Many colleges also provide a student health plan as an add-on to tuition. One of the major benefits of obtaining a student plan through a private provider is the ability to use off-campus medical facilities and doctors.

Financially, it makes sense for the college to require all students to have credible medical coverage. By purchasing California Student Health Insurance, a student can meet all of his or her medical needs and be protected with regard to medical and emergency costs until they graduate. In addition to student health insurance coverage, students also have the option of remaining in their parents’ health plan. In every student health insurance policy, deductibles and coinsurance limits will vary substantially. We invite you to contact us for more information on California Student Health Insurance.


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For Health Plans | California Individual Health Plans, HMO & PPO Healthcare Insurance, Family Health Insurance, CA Health Care Reform Plans, Dental Insurance, Health Insurance Agency, Group Medical Insurance, Business Health Plans, Affordable Care Act Assistance, Anthem Blue Cross, CA Medical Plans, Kaiser Permanente, Affordable Healthcare Insurance Plans, Blue Shield of CA, Employee Benefits, Calabasas, San Fernando, Beverly Hills, Santa Monica, West Hollywood, Culver City, Burbank, Agoura Hills, Westlake Village, Simi Valley, Santa Clarita, Thousand Oaks, Glendale, Inglewood, Malibu, Los Angeles County California | 18375 Ventura Blvd., #129, Tarzana CA 91356 | (818) 225-1591