Health Insurance Plans
California HMO Health Insurance
A Health Maintenance Organization or HMO is a corporation financed by insurance premiums whose member physicians and professional staff provide curative and preventative medicine within certain financial, geographic, and professional limits to enrolled volunteer members and their families. HMO’s are an organization of healthcare providers that have contracted with an insurance company to offer their services at fixed prices. You will be required to select a primary care physician (PCP) who manages all aspects of your healthcare. The (PCP) must be a member of the HMO, so you may need to switch doctors if the one you are currently seeing is not in the network. If you need to see a specialist, you will be required to see you’re (PCP) to obtain a referral.
HMO Health Insurance
HMO (Health Maintenance Organization) insurance typically enables its members to have lower out of pocket costs but less flexibility to see the doctor or hospital of your choice. Being part of an HMO plan requires selection of a primary care physician (PCP) who will take care of most your health care needs. If you would like to see a specialist you need to obtain a referral from your PCP.
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With HMO insurance you will likely have a broader range of co-payments to use. Preventive care is an area that you can really benefit from by selecting this coverage. Although HMO monthly premiums are higher on average, out of pocket expenses are much less. Best of all you typically won’t have to submit your own claims. Keep in mind you will have no coverage for services received outside of your network or rendered without a referral from your PCP.
Frequently Asked Questions
A POS plan combines some of the features offered by HMO and PPO insurance plans. Much like an HMO, POS members are required to choose a primary care physician from the network of providers. Services rendered by your primary care physician are typically not subject to the deductible. POS plans typically offer coverage for preventive care visits.
Make sure to use your primary care physician for services rendered and do not go to a specialist without a referral. The level of coverage you receive will be much higher if you do so. Services rendered by a non-network physician or specialist may be subject to a deductible and will likely be covered at a lower level. You might even have to submit your own claims if you use an out of network provider.
You can request your individual and family plan or your HMO/PPO insurance to start anywhere between 1 and 90 days from the signature date on the application. This does however vary between carriers. For specifics on carriers please call JC Lewis.
Keep in mind the insurance company will need time to review your application and may need to obtain a copy of your medical records. JC Lewis recommends getting your application into our office 3 weeks prior to the effective date that you want. Typically, if an insurance carrier has to go after your medical records, the underwriting process can take three weeks to a month.
Yes. JC Lewis believes in providing clients with top quality customer service. Our customer care department has knowledgeable, licensed agents ready to assist you. Please call us at 866-745-9555 or email to customerservice@jclis.com.
JC Lewis is currently licensed in the state of California only. If you live outside CA we can’t assist you with your policies.
