Do Your Research

Make sure you gather brochures and pricing from a variety of health insurance companies. Just comparing the rates and the coverage side by side will give you a good idea of what companies have the best deals. California residents have access to Anthem Blue Cross of California, Kaiser Permanente, Blue Shield of California, and many more. Using a local independent agent can provide valuable insight on which company will provide the best fit for you or your family.

California Health Insurance – Full Benefits or Catastrophic Plans?

One decision you will want to make is how you want to balance coverage and price. Many of us are used to having low deductible with office visit and prescription coverage before the deductible. However, there may be a much better plan for you. Catastrophic plans, or plans with higher deductibles that require you to pay for all of your medical expenses before any benefits kick in, have been rapidly gaining in popularity. The reason? Price.

The Huge Difference in Price

Catastrophic Plans are usually very inexpensive compared to full benefit plans. So much so that it makes sense for many California individuals and families to pay for all of their medical expenses until they reach the higher deductible, because they are saving so much money on a monthly basis.

Using a California Agent at no Cost to You

Using an agent in your local area who understands the plans, pricing, and the ins and outs of each company is a valuable resource you should take advantage of.

The best way to find a California health insurance agent to help you through the process is by filling out this short form. An agent in your area will contact you to get the process started and get you on the right track to having quality California health insurance coverage and saving money!

Also, to learn more about these plans, visit my catastrophic health insurance site. While you’re there, be sure to claim your free copy of my eBook titled “Seven Money-Saving Health Insurance Tips.

The Best Way to Make Sure You Get the Right Texas Health Plan

One of the best ways to find out what your options are is to work with a local agent. Most times it’s free to use an agent, and on top of that independent agents work with multiple companies who provide health insurance in Texas, so they are familiar with which plans have the best rates and coverage. Agents are also in tune with the application review process and can make sure you apply with the company best. There’s no better way to find the best plan for your situation than to use an agent in your local area.

Explore Multiple Options

Texas residents have access to a number of insurance companies and quality plans including; Blue Cross Blue Shield of Texas, Aetna, Time, Golden Rule, Celtic, and more! The plans available range from full benefit plans to high deductible, catastrophic health plans with very affordable premiums. Have an agent in your area help you assess your situation and recommend several options for your or your family.

Finding a Company With a Compatible Rate Structure

Not only do the rates themselves differ, but how much an insurer charges for a family can vary drastically between companies. Let your Texas agent know about your family details, including everyone’s medical history. With that information they can provide you with a truly valuable service by matching you or your family up with the right plan.

Getting Started

Contact a local agent in your area by looking in your local phonebook, or by filling out this short form. A local agent will contact you find out how they can help fit your needs.

For money saving tips, valuable tools, and ideas on how you can improve your situation by considering a catastrophic health insurance plan, please visit my website about catastrophic health insurance.