Just like other forms of insurance, for your car and your home, health insurance helps relieve the burden of unexpected events: you put away a little in case you need a lot later. You and your family's health should be of the highest priority.

Every year, the cost of healthcare increases dramatically. Simple same-day surgeries, required tests and emergency attention can add up to thousands of dollars or more.

The overall benefits of health insurance are obvious. You won't be avoiding the doctor because it costs too much. The hospital bills won't be piling upon your desk waiting for attention. Your health insurance will provide the help and care you demand. Also, if you drive a car, health insurance will work cooperatively with your auto insurance in case of an accident.

There are many health insurance companies available, offering various types of plans. We are capable to get you the best plan and coverage to suit your needs.

Using this comprehensive tutorial, you can find out about different types of health insurance, choosing a policy, and much more.

Health Insurance - Understanding The Basics

Why do you need it?
Let's face it-- health insurance is a necessity in today's world. The costs of medical care and treatment have soared to new heights in recent years and are expected to rise even further in the years to come. Think for a moment about the enormous medical costs you would incur if you suffered a major injury tomorrow or were suddenly stricken with a life-threatening illness. Uninsured people live with such risk every day of their lives; health insurance can shield you from that risk. Even if you're healthy today and have never had any major problems in the past, you simply can't predict the future.

In addition to medical emergencies, routine conditions requiring visits to a physician happen all the time. This is especially true if you have children. Ear infections, rashes, and high fevers are commonplace with infants and children; numerous trips to the doctor can be pretty expensive without health insurance.

What do you need to know?
You should know where to get health insurance, and understand the various types of private health insurance that are available. There are some important differences between indemnity plans, HMOs, PPOs, and POS plans worthy of understanding.

You should also make every effort to understand your own health insurance policy, and become familiar with common health insurance provisions, including limitations, exclusions, and riders. It's important to know what your policy covers, and what you'll have to pay for in out-of-pocket expenses.

When comparing health insurance policies, you should strive to balance coverage against cost. While price is an important consideration, there are also other factors that may influence your decision when it come to choosing a health insurance plan.

Understanding the taxation of health insurance benefits and premiums is also an important issue, especially if you're self-employed.

Being aware of your COBRA rights, in the event that you lose your health insurance coverage due to a change in employment or other factors is also worth investigating.

When to get it?
If you don't have health insurance right now, you should seriously consider purchasing it as soon as possible. No one can predict the future--you don't know when you might suffer an accident or become seriously ill. Health insurance can help to protect you against financial ruin.



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Please Note: The information contained in this Web site is provided solely as a source of general information and resource. It is a not a statement of contract and coverage may not apply in all areas or circumstances. For a complete description of coverages, always read the insurance policy, including all endorsements

Blue Shield of California Life & Health Insurance Company Life has grown by offering competitive insurance products including Group Term Life, Accidental Death & Dismemberment, Blue Shield of California Life & Health Insurance Company Life Vision Plan, Stop Loss and Exec-U-Med medical reimbursement plans in tandem with Blue Shield of California health plans or on a stand-alone basis . In the early 1980s, introduced their Short-Term Health products. The Option One and Option Twelve plans remain one of the leading products of their kind in California

PacifiCare Signature FreedomSM
With the PacifiCare SignatureFreedomSM (SDHP) plan, you can enjoy the freedom and flexibility of a traditional PPO plan with the added feature of Self Directed Account (SDA).
The SDA is fully insured by PacifiCare Life and Health Insurance Company and provides a yearly credit of $1,000 for certain routine and preventive services.
Any unused funds carry over year after year, for as long as you are enrolled on the plan.
Once you deplete your SDA, or if you require services not covered by the SDA, the plan defaults to a PPO plan.
You must meet annual deductibles. Eligible medical services paid from the SDA will count toward satisfying the PPO deductible.

PacifiCare SignatureValueSM
These coordinated plans provide the most comprehensive coverage of our plan offerings. Your medical care is coordinated by the primary care physician (PCP) you select. You visit your PCP for general medical care, and when you need to see a specialist, your PCP provides a referral. In general:

You choose a PCP from our network.
You are charged only a co-payment for a doctor's visit. After your co-payment, many health care expenses are covered at 100%.
Preventive health care, including check-ups, is covered.
You do not have to meet an annual deductible

Assurant Health is the brand name used for products underwritten and issued by Time Insurance Company, John Alden Life Insurance Company and Union Security Insurance Company. California license numbers: 08109 ( Time Insurance Company), 08107 (Union Security Insurance Company) and 3894 (John Alden Life Insurance Company). Assurant Health only accepts agent business from agents licensed and appointed in accordance with state laws.

Free Health Insurance Quote offered through Affiliate Program at Alabama, Alaska, Arizona, Arkansas, Connecticut, Delaware, District of Columbia (Washington DC), Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, and Wyoming.