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Health Insurance Plans For California's
Individuals and Families
Did you know the average cost of one day in a hospital is $9,328!
Without health coverage, that responsibility is entirely yours. Don't be caught uninsured. Get the protection you need, right here, right now.
New! Online Health Insurance Quoting Tool Now Available.
Research, Compare, Apply! www.HealthQuoteQuest.com
At no extra cost to you, we make it easy to select and set-up a quality health plan from one of the leading Health Insurance Companies. Even the giant online brokers can't offer lower rates for these same plans. Search the web if you must, but please return to us when you apply.
You can also go to directly to our Authorized Agent web sites.
Research Info, Get a Personalized Quote, and Apply Online.
Simply click the company logo.
Please note, descriptions of plans are not a substitute of carrier's Outline of Coverage and general disclosures.
OPM = Out of Pocket Maximum
PPO = Preferred Provider Organization
HMO = Health Maintainence Organization
Family Deductible = 2 X Individual Deductible
Traditional Plan Design = Deductible, and co-insurance until OPM
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New! Online Health Insurance Quoting Tool Now Available.
Research, Compare, Apply! www.HealthQuoteQuest.com
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Visit our Authorized Tonik website to Research Info,
Get a Personalized Quote and Apply on Line.
Click on the Tonik logo.
Click to download:
Tonik premiums
Area Rate Chart
Tonik brochure
Tonik is a completely unique product build from the ground up. Medical, Dental and Vision all in one package. Designed with the "20 something" in mind, but still a great plan for all ages.
Deductible is OPM. 3 PPO plans with various deductibles; 5000/3000/1500. For the value, we suggest you consider the 1500 plan, first. All plans with doctor visit co-pays, $100 emergency co-pay, $10 GenRX co-pays, deductible waived. Plus, a $500 annual dental benefit and a $50 vision benefit included at extra fee. For Individuals only.
Must apply on line. Simply click on the Tonok Logo.
www.HealthQuoteQuest.com
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Visit our Authorized Blue Cross Website.
Research Info, Get a Personalized Quote and Apply on Line.
Click on the Blue Cross logo.
Blue Cross of California is the leader in Health Plans with 20 unique Individual and Family plans. A member of the nations largest health insurance company, Wellpoint, they delivery innovation, strength and dependability. Plus, when you travel outside Califonia, you have access to the BlueCard Program, which includes 85% of all providers nationally.
Most Popular Plans
Each Plan Brochure Includes Plan Rates.
Core 5000: Traditional Plan Design. Blue Cross's Lowest Cost Plan. $5000 Deductible, $7500 OPM, $10 Generic RX benefit and some preventitive services with deductible waived. Hospitalization and emergency services benefits after deductible is met, doctor's office visits covered after OPM is met. For Individuals and Families.
Basic PPO 2500/1000 and PPO Saver: Traditional Plan Design. Low Cost Basic Hospitalization Plans. For Individuals and Families.
RightPlan PPO 40: No Deductible Plan. $40 PPO Office Visits. 40/60 Co-Insurance for PPO professional services until OPM, then no cost. Three RX options. For Individuals only.
3500 Deductible PPO: Deductible is OPM. 100% PPO coverage after deductible is met. $10 co-pay Generic RX benefits, deductible waived. For Individuals and Families.
PPO 3500 (HSA Compatible): Deductible is OPM. 100% PPO coverage after deductible is met. RX subject to Deductible. For Individuals and Families.
PPO Share 5000/2500/1500/1000/500: Traditional Plan Design. Copays for PPO doctor visits not subject to deductible. For Individuals and Families.
HMO Saver, Select HMO: Managed Care alternative to other well known HMOs.
For Individuals and Families.
Click here to view "You Choose" Product Brochure.
Click here for a Generic Online Rate Quote for all Blue Cross plans.
Click here to request an enrollment package.
www.HealthQuoteQuest.com
Blue Cross Dental Plans
Stand Alone PPO Dental Plan: Click here for Brochure and Application.
Stand Alone HMO Dental Plan: Click here for Brochure and Application.
To apply, simply print and complete the application.
Then fax it to our office at 707-748-5792, with your credit card authorization.
Or, mail it to us with a check payble to Blue Cross of California. (Contact Us)
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Visit our Authorized Blue Shield Website.
Research Info, Get a Personalized Quote and Apply on Line.
Click on the Blue Shield logo.
Blue Sheild is California born and raised. This Not-For-Profit Company has been a leading provider of quality health plans for 65 years. Their California PPO network includes over 59,000 doctors and 350 hospitals, 15,000 dentist, and 5000 Vision providers. Plus, when you travel outside Califonia, you have access to the BlueCard Program, which includes 85% of all providers nationally.
Most Popular Plans
Essential Plan 3000/4500: Rates. Medical, Dental and Vision all in one package. Deductible is OPM. 2 PPO plans with various deductible; 3000/4500. Both plans offer services with deductible waived: $40 doctor visit co-pays (3 max per year), $100 emergency co-pay, $10 GenRX co-pays, $5 vision exam co-pay, no charge dental exam, x-ray and cleaning. For Individuals only.
Active Start Plan 25/35: Rates. No Deductible Plan. $35 or $25 PPO Office Visits. 40/60 Co-Insurance for PPO professional services until OPM is met, then no charge. $10 co-pay GenRX. Individuals only.
Shield Spectrum PPO Savings Plan 4000/8000: Rates. Deductible is OPM. HSA Compatible. $35 PPO preventive care office visits for annual physical exam, well-baby care, gynecological exams, deductible waived, and once deductible met, no charge.
RX benefits subject to deductible, then no charge. If considering an HSA, this is a great plan. For Individuals and Families.
Shield Specturm PPO Savings Plan 2400/4800: Rates. Traditional Plan Design. HSA Compatible. $35 PPO preventive care office visits for annual physical exam, well-baby care, gynecological exams, deductible waived. RX subject to deductible. Another great HSA plan. Individuals and Families.
Shield Spectrum PPO Plans 500/750/1500/2000: Rates. Traditional Plan Design. $45 or $35 Copays for PPO doctor visits, deductible waived. For Individuals and Families.
Shield Spectrum PPO Plan 5000: Rates. Traditonal Plan Design. $35 PPO preventive care office visits for annual physical exam, well-baby care, gynecological exams, deductible waived. $10 co-pay Generic RX. $10,000 Critical Condition Protection (CCP) if diagnosed with a critical condition. Individuals and Families.
Dental Plans available with Health Plan enrollement.
Click here to view a Blue Shield "Plans at a Glance" Brochure.
Click here to view Blue Shield Dental and Life Brochure.
Please note a health plan enrollment is required.
Click here to view 10 Great Reasons To Choose Blue Shield.
Click here Contact us for an enrollment kit.
www.HealthQuoteQuest.com
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Visit our Authorized HealthNet Website.
Research Info, Get a Personalized Quote and Apply on Line.
Click on the HealthNet logo.
HealthNet is one of the largest publicly traded health plans in the nation, with 9,900 full time employees, 16 million members in 27 states. With more than 25 years of continuous operations, it has grown to a $6 billion company, with $13 billion in annual revenue. Always competitive by responding to the demands of the market place.
Most Popular Plans
Value Choice 1500: Traditional Plan Design. Basic PPO Coverage for a modest fee.
Individuals Only.
SimpleChoice HSA: Deductible is OPM. PPO. HSA Compatible. $4000 Deductible. Preventive care $40 copay, deductible waived. RX subject to deductible. For Individuals and Families.
SmartChoice HSA: Traditional Plan Design. PPO. HSA Compatible. Preventive care $35, deductible waived. RX subject to deductible. For Individual and Families.
SimpleChoice 1500/2500/3500/4000/5000: Deductible is OPM. Preventive Care at copays $15/$25/$35/$40/$50 respectively. Plan 40 only HealthNet PPO plan with maternity benefit. For Individuals and Families.
SimpleValue 50/40/30: No Deductible Plans. Co-insurnace until OPM. 50/50, 40/60, 30/70 respectively. Office visits and preventive care at $50, $40, $30, respectively. For Individuals only.
Dental Plans available with Health Plan enrollment.
Click to download:
Benefit Overview Summary Brochure.
Rate Guide Brochure, 07-01-06.
Dental and Vision Brochure.
Click here Contact us for an enrollment kit.
www.HealthQuoteQuest.com
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Click on the Logo to link to Kaiser Permanente Website.
Please enter our Broker # 15948 when asked. Thank you!
Kaiser Permanente is the California HMO Leader. Over 160 medical facilities throughout California, most with primary care, X-ray, laboratory and pharmacy services all under one roof.
4 Individual and Family Plans, 2 Copayment Plans / 2 Deductible Plans
DeltaDental PPO and Indemnity Dental Plans Available with enrollment.
Plans effective dates are the first day of a calander month. Applications must be submitted by the 20th calarder day of the previous month.
Click to download:
Individual & Families Plans Summary and Rates
Plan Finder and Comparison
Copayment Plan Features
Deductible Plan Features
Understanding Deductible Plans
Click here Contact us for an enrollment kit.
www.HealthQuoteQuest.com
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Visit our Authorized Nationwide Website.
Research Info, Get a Personalized Quote and Apply on Line.
Click on the Nationwide logo.
Nationwide is a giant in the world of insurance, but many people don't think of them for health plans. Well, they've been at it since 1947, and are extremely price competitive. Utilizing the CCN PPO network of 450,000 doctors nationally, you can move anywhere in the country and keep the same plan.
Enrollment in their health plans requires membership in the California Farm Bureau Federation at a modest annual fee, but anyone can join. All plans are PPOs, Individual and Family, with a 12 month rate guaranty and $5000 term life at no extra premium.
Most Popular Plans
PPO Choice Saver Plus 1750/2400/3600/4800: Deductible is OPM. HSA Compatible. $250 per year plan benefit for Adult and Child Preventive Care not subject to deductible. Child only plans not available. Otherwise for Individuals and Families.
PPO Choice Saver Select 1750/2400/3600/4800: Deductible is OPM. HSA Compatible. $250 per year plan benefit for Adult and Child Preventive Care not subject to deductible. No Maternity Benefits on $1,750 and $2,400 plans, offering reduced rates from plan above. Child only plans not available. Otherwise for Individuals and Families.
LifeStyle 2500/3500/4500: Deductible is OPM. 4 PPO doctor visits per calendar year not subject to deductible at co-pays; 25/35/45, respectively. $250 per year plan benefit for Adult and Child Preventive Care not subject to deductible. $15 Immunizations copays. $100 Emergency Copay. 2 RX choices; Generic and 3 Tier.
PPO Choice 30: 750/1500/2500 Deductibles: Traditional Plan Design. Unlimited $30 PPO doctor visit copay not subject to deductible. All plans have the same $4000 PPO OPM, (X2 for families). $15 Immunizations. Rich RX Benefit.
CashBack Plan: Available with all plans at a modest additions fee. This supplemental medical expense product helps "bridge" hospitalizations costs. Benefits are paid to you to help off-set out of pocket expenses. $300 per day hospital confinement, $300 ambulance transportation, $100 per year mammograhy expense. Click here for summary.
NHP Life Plus: This stand alone Term Life Insurance has Acelerated Benefits which provides a one-time lump-sum benefit amount upon diagnosis of covered medical conditions or in the event of death. Covered conditions are Cancer, Stroke, Heart Attack, Kidney Failure and major organ transplant surgery.
Stand Alone SafeGuard's PPO Vision available. Click logo for more info.
Stand Alone SafeGuard's HMO & Reimbursement Dental available. Click logo for info.
To down load an enrollment kit, click logo.
Click here for a Dental and Vision Brochure.
Click here for a "Condensed Summary of Plans" Brochure.
Click here Contact us for an enrollment kit.
www.HealthQuoteQuest.com
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Most Popular Plans
SignatureOptions (PPO): Traditional Plan Design
SignatureFreedom (PPO): Traditonal Plan Design, plus a Self Directed Account (SDA).
The SDA is a pool of funds which can be used towards all services.
www.HealthQuoteQuest.com
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Visit our Authorized Time Insurance / Assurant Health Website.
Research Info, Get a Personalized Quote and Apply on Line.
Click on the Time Insurance logo.
Assurant Health has been in business since 1892 and is the brand name for products underwritten and issued by Time Insurance Company, John Alden Life Insurnce, and Union Security Insurance Company. Together , these three underwriting companies provide health insuracne coverage for more than one million people nationwide.
Based in Milwaukee, WI, Time Insurance / Assurant Health is an aggressive new comer to the California market place. With health insurance as it's sole focus, Assurant Health is a leader in the Individual Medical market and was at the forefront of Health Savings Account legislation.
Primary products include individual, short-term, and student health plans.
www.LifeQuest4AssurantHealth.MyMedQuotes.com
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California Health Families
LifeQuest Insurance Services is a registered California Enrollment Entity for the California Healthy Families Program. EE# 90188. Quincy Scherler is a Certified Application Assistant (CAA), CAA # 70725w.
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Click the Logo above to visit the FHCE website.
Are you without health insurance? According to the Federal Government, it's estimated that over 45 million Americans are without any kind health insurance coverage.
Health insurance may be more affordable than you think! To find out, click on
Yet, you also may be like thousands of Californians who can't afford any health care, or have been disqualified due to pre-existing conditions. Find out if you qualify for one of several programs available to the dis-advantaged.
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What is a "Health Savings Account" (HSA) ?
An HSA is an individually owned tax-advantaged personal savings or investment account that may be established in combination with an HSA-eligible high-deductible health plan (HDHP). These accounts are portable and may be accumulated over the years and distributed on a tax-free basis to pay or reimburse, "qualified medical expenses.
Find out more through the links below.
The U.S. Treasury
The Council for Affordable Health Insurance
The Heritage Foundation
The HSA Insider
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For learn more about Health Insurance basics, visit LIFE, The Life and Health Insurance Foundation for Education, a non-profit organization dedicated to addressing the public's growing need for information and education about life, health, disability and long-term care insurance.
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