Individual Health Insurance Plans in California” and “Individual Health Insurance CA

So you'd like to learn how to get the very best <b>individual medical health insurance plans in California</b> but you aren't sure how to start or even excellent customer service.

Really the first place to begin when shopping for individual medical health insurance plans in California would be to determine what meets your needs the best, could it be a PPO (Preferred Provider Organization) an HMO (Health Maintenance Organization) or an HSA (Health Checking account).

Different individual medical health insurance plans in California as well as their explanations

A PPO is a number of physicians which have agreed to a particular rate of reimbursement for every service they offer. So each physician has decided to a $120 charge for any regular appointment (for example). The insurance coverage will cover whether certain percentage of the, usually 80% for any participating provider, or incidents where will cover everything subject to a duplicate, say for example $20. The advantage to some PPO is that you can had opted to any physician within the PPO and get this same rate. You don't need a PCP (Doctor) and there aren't any "referrals" required by the insurance provider in order to have your visit covered. The disadvantage is the fact that PPO coverage is generally more expensive than every other option.

An HMO is really a group of physicians which have agreed to a particular rate of reimbursement for every patient they offer services for. So, for example, being a PCP (Doctor) would pay that physician a specific amount per month to look after his patients instead of being taken care of what they really do for that patient. All HMO's cover the whole cost of your health care subject to a duplicate of between $5 and $100 with respect to the service being provided. The benefit to a HMO would be that the coverage may be the least expensive of all of the options. The disadvantage is you must call at your PCP and get a referral to some specialist in case your PCP determines that it's necessary.

An HSA is really a savings plan in conjunction with a PPO. You've got a high deductible (a minimum of $1,150 in California) that you need to satisfy prior to the plan actually starts paying any benefits, however, you can take this money from your paycheck pre-tax and you've got some control over how your hard earned money is invested and used. The largest advantage of an HSA is you get the inexpensive of an HMO in conjunction with the flexibility of the PPO. The disadvantage is you have to satisfy that high deductible prior to the plan starts paying benefits.