With skyrocketing medical costs, it is important to protect your finances with a personal health insurance policy from our agency.
We represent the best health insurance companies in California and can find a policy that is right for you.
The last six years has represented more change with the health insurance market than perhaps the previous 20 years combined. It is important to have an advocate who understands the market and can help you select the right health insurance plan for yourself and your family.
Things to consider about your Health Insurance Coverage:
- Enrollment periods:
There is a yearly enrollment period that you’ll need to pay attention to. It is possible you may qualify for a Special Enrollment Period, so check with an agent in our office to confirm this.
- Monthly Premiums:
Just like other insurance, you pay your premiums monthly. If you fail to pay your premiums, this can jeopardize your coverage if a medical emergency occurs and you need to use your health insurance.
How are health insurance premiums calculated?
The health care law says that insurance companies can only take five factors into account to calculate your health insurance premiums. Those are:
- Location (where you live)
- Tobacco usage
- Individual vs. Family Enrolment
- Plan category (how much coverage you want)
A personal health insurance plan from us will help cover your medical expenses for medical, surgical and other hospital and doctor-billed expenses. Plans differ and some cover mental health, prescription drugs and dental expenses. Make sure you talk to a licensed professional at Blackwell Insurance Agency today to select the plan that is right for you. We will explain in detail the different options such as deductibles, co-pays and co-insurance to ensure you choose the right plan for your situation. Only you can decide what health insurance plan is right for you.