The Folks at 4-10 Insurance Agency will provide you with information and advice on Affordable California Health Insurance, Individual Health Insurance Coverage Options and Cost Savings Measures. We are familiar with insurance companies that do business in California, and represent several companies.

We will be able to evaluate your current coverage, and make specific recommendations that suit your needs for affordable individual health insurance protection, and your budget. Ask us to give you an outline of coverage, it summarizes the policy's benefits and highlights important features.

HEALTH ISSUES YOU NEED TO CONSIDER:

Do you want coverage for yourself, your spouse or children?
Do you want protection from a serious illness and accident?
Do you want to choose your providers or would you be comfortable in a managed care setting that might restrict your choice somewhat?

These preferences only you can answer. Discuss your answers with the folks at 4-10 Insurance Agency to determine what type of health insurance quotes policy is best for you, your spouse, and your children.

FINDING AN INDIVIDUAL HEALTH INSURANCE PLAN

Choosing an Affordable California Health Insurance plan is not as easy as it once was. There is no one "best" health insurance plan, but there are some plans that will be better than others for you and your family's healthcare needs and preferences. Your preferences will determine not only which health plan is best for you, but also what type of health coverage (ie. PPO, HMO, or HSA - Health Savings Account) you will feel most comfortable with.

Take advantage the experience the folks at 4-10 Insurance Agency have to provide you with the information you need to make a more informed decision about the individual health insurance plan that's right for you. We will help you compare individual health insurance quotes from multiple carriers to save time and money.

Choosing an individual health insurance plan for you and your family is an important decision, and comparison quoting provided by 4-10 Insurance Agency, will make your individual health insurance purchase an easier one.

Comparing the monthly premiums (as well as underlying health care cost) of multiple health insurance plans, before you buy is a wise move and will help you make the most informed decision for you and your family.

TYPES OF HEALTH COVERAGE:

We search the market to find competitive insurance plans for individuals, children, families and the self-employed. There are 3 main types of policies: PPOs, HMOs and HSA - Health Saving Account Plans. The following is a brief review of each type:

PPO Plans

The PPO (Preferred Provider Organization) is a plan where you have a large choice of providers within a network. You can choose any provider in the network and can change providers whenever you like. You choose your deductible which can be $250, $500, $1000, $2500 or more.

In a calendar year after you pay your deductible the insurance company will start paying a certain percentage of the covered medical expenses. This is called the co-insurance. For instance they'll pay 80% and you'll pay 20% until you reach the stop-loss amount or maximum out-of-pocket, after which they will pay 100% of the covered medical expenses.

Plans vary according to the benefits they offer. Some plans offer special options; Doctor's office visit co-pays, Maternity Coverage, Chiropractic and Acupuncture.

HMO Plans

The HMO (Health Maintenance Organization) is a plan where you choose one doctor who is your primary care physician. You must first get permission from your primary care doctor if you need to go to a specialist. That is why they are sometimes called Gatekeepers.

You do not have freedom of choice. You pay a monthly premium, and most of your services will cost very little.

Health Savings Account Plans (HSA)

Health Savings Account (HSA) plans are the latest choice of health insurance plans available to individual and employer group consumers. They offer the promise of lower monthly premium cost associated with high deductible health insurance plans, choice of physicians and hospitals, along with the use of a tax free account from which to pay the out of pocket health care expenses that come up throughout the year.

For a more detailed and easy to understand explaination click here: <<HSA BASICS>>

Note – We have a Special Emphasis on Student Health Insurance Plans

Follow this link to find out more <<STUDENT HEALTH INSURANCE PLANS>>

HEALTH INSURANCE QUOTE :

If you know what type of coverage you need, then follow this link to our <<PLAN SELLECTION PAGE>>

If you would like help in determining what coverage is best for you, your spouse and you children, follow this link to request a <<INDIVIDUAL HEALTH INSURANCE QUOTE>>

"Over the past eight years, 4-10 Insurance Agency has always found us the lowest priced medical & dental insurance plans available."

– Brad Holsworth