Health Insurance for Individuals and Families
Ensure yours and your family’s health coverage with Jessica Liu Insurance
Medical bills can be very expensive if you face a medical emergency or if something unexpected happens to you — like a car accident or a serious illness. Health insurance can help ease those costs and help you save money on routine doctor’s visits, prescription drug coverage, preventative care and other medical services.
Individual and family health insurance is health insurance coverage that is specifically for individuals and families as opposed to employer groups or organizations. Most people would prefer to have health insurance coverage provided by their employer, but this is not an option for everyone. If you do not have health insurance offered through work, it is still very important for you to seek coverage.
Navigating and making sense of the confusing, complex health care system has become increasing difficult, especially for individuals such as yourself. Let us help.
We represent a number of different insurance companies and can compare coverage and prices to find the best possible value for your individual needs. We write through Covered California, Anthem BlueCross, Blue Shield, Chinese Community Health Plan (CCHP), and Health Net.
Enrolling for Health Insurance
Under the Affordable Care Act (ACA), you generally need to apply for coverage during the Open Enrollment Period (OEP), which allows you to enroll and purchase health insurance.
For qualifying life events, you can enroll through a Special Enrollment period that lies outside the Open Enrollment Period and can be available year-round.
Plans Available for Individual and Family
Individual and family health insurance plans can typically be either “indemnity or “managed-care” plans. The two plans differ by their choice of health-care providers, form of payment for bills and out-of-pocket costs.
Indemnity plans pay their share of the costs for covered services only after they receive a bill. This means that you may have to pay up front and receive reimbursement from your health insurance company after. The benefit of an indemnity plan is that you will have broader choice of health care providers than you would with a managed-care plan.
There are several different types of managed-care health insurance plans including:
- HMO (Health Maintenance Organization)
- PPO (Preferred Provider Organization)
- POS (Point of Service)
Managed-care plans typically use health care provider networks who agree to perform services for patients at pre-negotiated rates. They also generally will submit the claim to the insurance company for you. The benefits of a managed-care plan generally include less paperwork and lower out-of pocket costs than that of an indemnity plan.
To learn more about individual and family health insurance, call Jessica Liu Insurance Services at 415-386-2283 and talk with one of our agents today. We’re right here in San Francisco, ready to guide you toward a more secure future!
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