A healthy body is a happy body, and there’s no better way to preserve
your health and your family’s health than with a health insurance policy
from Gaines Insurance.
Let’s face it, medical treatments aren’t cheap. Without health insurance
coverage you could end up paying off medical bills for the rest of your
life. Gaines Insurance can help you find an affordable healthcare plan
that’s right for you. Contact one of our friendly agents today to learn
more.
Types of Health Insurance in California
There are basically three major types health insurance policies to
choose from: consumer-directed, fee for service, and managed care. These
health insurance plans help cover your medical, surgical, and hospital
expenses. They may even cover dental expenses, mental health services,
and prescription drugs, depending on the coverage you choose.
Consumer-directed
A consumer-directed health plan (a.k.a. “consumer-driven” or “consumer
choice”) is a newer type of healthcare plan that’s designed to give you
more control. As part of the plan, you setup a health fund that can be
used to cover medical expenses.
Fee for Service
A fee for service plan is a more traditional healthcare plan. It means
you pay a fee to your provider for every healthcare service you receive.
The benefit of this type of health insurance plan is that it allows for
a lot of flexibility when choosing a physician or healthcare provider.
Managed Care
Members of managed care health plans generally enjoy more benefits like
lower out-of-pocket costs. However, you can only receive treatment from
physicians that participate in the managed care network. Typical managed
care plans include health maintenance organizations (HMOs), preferred
provider organizations (PPO), and point-of service (POS) plans.
Common Health Insurance Terms
When discussing health insurance with an agent, it helps to understand
some of the common terms you’ll hear. Below you’ll find definitions to
some of the most common health insurance terms.
Deductible - The amount of money you pay toward medical bills before your insurance coverage begins.
Co-pay - A specified amount of money you pay upfront for doctor visits and prescription refills.
Coinsurance - The percentage of medical bills you pay after meeting the deductible.
To learn more about California health insurance, call and talk with one
of our agents today. We’ll guide you toward a more secure and healthy
future.
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