|
|
|
|
GROUP HEALTH PLANS
We'll attempt to save you money and
improve your group health insurance coverage. Rates can change monthly and
your current plan may be improved upon for both price and benefits. Please
click here: "Group Health" for your easy online quote form . We would
like to mail you a real comprehensive portfolio of all rates and benefits
from all the major California health insurance companies.
|
|
|
|
Good Advice for
Buying Health Insurance
|
#1. |
Do you have a favorite doctor that
you would like to keep? Your answer to this will help you determine whether you
need an HMO or PPO. |
-
Before calling for quotes, ask your doctor
which companies he works with so you won't waste your time with
other companies.
-
If you are new to your area make sure there is
a good choice of doctors to choose from.
|
|
#2. |
Decide
how important it is to you to be able to move around from one specialist to
another. Some plans can make you wait 2 to 3 weeks to see a specialist and limit
who you can use. |
|
#3. |
How
Important is it to have little things covered, like colds or flu? HMO plans can
be better for these because you spend less out of your pocket. But PPO plans do
cover them also. |
|
#4. |
If
you only want the large and expensive things covered, then decide how high a
deductible (the amount you pay first before the insurance company starts paying)
you can handle. The higher the deductible usually means lower insurance
premiums.
|
|
#5. |
How
is your current health? Are you over weight? Pregnant? Currently taking
expensive medications? Have had a recent surgery? ect. Most companies worry
about these things along with many other concerns too. Let the agent or company
know these things up front, because good agents know how to direct you to the
right company that will take your particular problem.
|
|
#6. |
Do
you like to get alternative kinds of care... like acupuncture, homeopathy,
massage therapy, ect? Be sure to ask about how these things are covered because
usually these are limited or not covered at all.
|
|
#7. |
Also
be sure to ask about psychotherapy or mental
professional services if these are a concern
to you. Most plans limit this and you need
to know the limitations. |
|
#8.
|
Have
you heard about Health Savings Accounts? Its a new thing where you can save
money tax deferred in conjunction with your health insurance. If you are in
high enough tax bracket and don't mind a high enough deductible, its worth
asking your agent about it. |
#9.
|
A
quick "beware" to you. Every plan out there has exclusions and limitations. Any
brochure that you receive has a page or two of them, usually in the back. Look
at them and make sure there are no surprises. Most are pretty obvious, like sex
changes and liposuction ect., but some may not be so obvious to you. |
|
#10.
|
Please
remember that it doesn't cost you anything "extra" to work with an agent. Agents
are on your side and have your best interests at heart. You can never tell when
an agent may come to your rescue and tell you things that make it easier for you
to make the right decisions. |
|
Contact us Today at:
Ablitz Health Insurance
California Insurance License #0436537
Phone: 1-800-556-7176 / Fax: 1-818-557-1371
E-Mail us at:
enroll@ablitzhealthinsurance.com
|
