California Health Insurance Coverage at an Affordable Price – Finding the Right Plan

Posted on August 7, 2009
Filed Under Health insurance | Leave a Comment

California residents have many options when looking for an affordable health insurance plan. Because there are so many options, it can be difficult finding the plan that’s best for you or your family. Here’s how you can find the right fit.

Do Your Research

Make sure you gather brochures and pricing from a variety of health insurance companies. Just comparing the rates and the coverage side by side will give you a good idea of what companies have the best deals. California residents have access to Anthem Blue Cross of California, Kaiser Permanente, Blue Shield of California, and many more. Using a local independent agent can provide valuable insight on which company will provide the best fit for you or your family.

California Health Insurance – Full Benefits or Catastrophic Plans?

One decision you will want to make is how you want to balance coverage and price. Many of us are used to having low deductible with office visit and prescription coverage before the deductible. However, there may be a much better plan for you. Catastrophic plans, or plans with higher deductibles that require you to pay for all of your medical expenses before any benefits kick in, have been rapidly gaining in popularity. The reason? Price.

The Huge Difference in Price

Catastrophic Plans are usually very inexpensive compared to full benefit plans. So much so that it makes sense for many California individuals and families to pay for all of their medical expenses until they reach the higher deductible, because they are saving so much money on a monthly basis.

Using a California Agent at no Cost to You

Using an agent in your local area who understands the plans, pricing, and the ins and outs of each company is a valuable resource you should take advantage of.

The best way to find a California health insurance agent to help you through the process is by filling out this short form. An agent in your area will contact you to get the process started and get you on the right track to having quality California health insurance coverage and saving money!

Also, to learn more about these plans, visit my catastrophic health insurance site. While you’re there, be sure to claim your free copy of my eBook titled “Seven Money-Saving Health Insurance Tips.

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