Health Insurance Quote

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Oscar

Hi tech comes to Health Insurance. Progressive new company.

Click on the links above and Do It Yourself

Or call me if you need help or have questions

 

Which company to choose?  

 

There are only 6 health insurance companies in our area that write Individual and Family Health Insurance.  Health Net and Blue Shield are the only remaining companies that offer a PPO (Preferred Provider Organization).  Oscar is the newest entry into the Southern California health insurance market.  Founded in 2012, Oscar is a high tech health company that has gained a very good reputation lately.

Health Net Enhanced Care PPO is the least expensive PPO on the market and their Community Care HMO (Health Maintenance Organization) is the least expensive HMO.  The Health Net Community Care Silver HMO is the best bang for the buck.  Be aware that there is a reason that these two plans are so inexpensive – their provider network is not as extensive as, for instance, Blue Shield.  Oscar uses the EPO (Exclusive Provider Organization) format, a hybrid of HMO and PPO.

Define PPO, HMO and EPO:

PPO:  Preferred Provider Organization gives the broadest choice of providers.  Choose any doctor or specialist within their provider network and go.  No need for pre-authorization for most visits.  HMO: Health Maintenance Organization is the most restrictive form of provider network.  You must pre-choose a primary care physician who must pre-authorize diagnosis and treatment and determine what specialist or hosptial you see.  You must have pre-authorization from your primary care physician before you can go.   EPO:  Exclusive Provider Organizations is a hybrid of PPO and HMO, with broader choice of providers than HMO and more restrictive than PPO.  These are general descriptions and you should consult each company separately as to specifics.

Twenty years ago there were many health insurance companies in California writing individual health insurance policies.  They had a wide variety of rates, plans and providers.  Now there are only a half dozen companies offering individual and family health insurance policies in Southern California and almost all of them are HMO’s or a variation of HMO.  The rates, coverage and providers are very similar, one to the other, among the few remaining companies.  Obamacare has greatly reduced competition in the health insurance industry which, alone, greatly increases insurance costs.

Get a Quote
 You can click on the icon above and get a quote with only your zip code, date of birth and gender.  You can quote just yourself or your whole family.  If you want different plans for different family members, that’s okay too.  Just do separate quotes for each person.  You can add dental and life insurance, too.  I am always ready to help if you have questions.  And if you would rather just call me and have me quote it, I will be happy to do so.  Once you have completed your quote, if you love it, you can apply online directly from the quote you have just done.  It costs no more to go through a broker agent like me than it does to go directly to a company like Blue Shield and the bonus is that you have the broker, me, on your side to help you.
Or call or email to discuss your options:  626 584 6303 or email Your Insurance Pal

BUT…You can no longer apply for health insurance any old time you want!

Remember that since Obamacare is here you can only apply during the Open Enrollment Period beginning November 1st.  The only exceptions are if you have a Qualifying Life Event.  In other words something happened that you had no control over that left you without insurance during the period that enrollment is closed.  For instance you lost your job and your group policy ended, you moved to a different state and lost your coverage in your prior state, etc.