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Individual Health Insurance

We offer a wide range of Individual health insurance plans with a variety of coverage options and pricing structures.

Individual Health Insurance Plans

Private health insurance plans include health maintenance organization (HMO) plans,preferred provider organization (PPO) plans, point-of-service (POS) plans, indemnity (fee-for-service) health insurance, and health savings account (HSA) plans.
Plans vary in cost and in the degree of choice you are offered. If you want to choose your own doctor and hospital, your plan will tend to be more expensive. It is important to compare quotes from several health plan types and companies.

Family Health Insurance

Family health insurance and individual health insurance plans are the same, but when you are including your family, there are a number of factors to consider.
You should evaluate whether switching from an employer-sponsored plan will save you money. Or if just moving some of your family members to a family plan will help.
You should also get quotes from several family health insurance plans because the chances of being turned down are greater when you add more people to your application.

Healthy Families Program

The Healthy Families Program provides health, vision, and dental coverage at a low cost to children who do not have insurance and do not qualify for Medi-Cal. If you have a child living in your home and you are a stepparent, legal guardian, foster parent, or caretaker relative, it will be the parents’ income, not yours, that will determine eligibility. 
You choose the health, vision, and dental plans that will cover most of your children’s costs for visits to physicians, eye doctors, dentists, and specialists. The plans also cover most of the costs of hospitals, clinics, pharmacies, and laboratories

Individual and Family Health Insurance Categories

  • Health Maintenance Organizations (HMO)
    You choose a primary care physician from the HMO’s network of providers and have access to expanded medical services through that physician.
  • Preferred Provider Organizations (PPO)
    PPOs allow greater choice than HMOs. You don’t have to choose a primary care physician, and you can go outside the network. But the plan's cost structure encourages you to use its own providers.  
  • Point-of-Service Plans (POS)
    POS plans combine some of the flexibility of a PPO with the savings offered by HMOs. With a POS plan you must choose a primary care physician from within the health care network to monitor your health. This physician can then refer you outside the network but at a reduced rate of compensation.
  • Health Savings Accounts (HSA)
    HSA's help you save on taxes by combining special savings accounts with high-deductible health plans. You make tax-free contributions to your HSA and then use the funds to cover co-pays and deductibles for qualifying medical services.
  • Indemnity Health Insurance
    With an indemnity plan you can use any doctor or hospital you wish. Usually you pay up front and are then reimbursed by the insurance provider.