Whether you are independent or responsible for a family, if you are genuinely concerned about your health, quality of life, or financial security, health insurance is the single most effective device to meet your needs and help you accomplish your goals through unexpected catastrophic medical misfortunes. We care enough to determine your specific needs up front so when that unexpected emergency pops up, you received the best of care.
Health plans vary: they can offer you a full choice of providers as in a PPO, with costs significantly higher when the services are actually used. You pay more in co-pays and co-insurances for your freedom of choice. You may choose an HMO, which may limit your choice of doctors and you may need referrals to specialists. With the HMO, you often have 100% hospitalization and very little out-of-pocket expenses for lower premiums. We can help you decide what health plan best suits your premium and health care needs. Just call us at 619-668-5200.
Some of the carriers that offer individual and family health insurance are: Blue Cross, Blue Shield, Cal Farm, Health Net and PacifiCare.
