Health Insurance Plans
California HMO Health Insurance
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 that you choose must be a member of the HMO network to obtain services. Keep in mind you will have no coverage for services received outside of your network without a referral from your PCP.
Unlike a PPO you will need to obtain a referral from your PCP if you wish to visit a specialist. With California HMO health insurance you will likely have a broader range of co-payments including preventive care, prescription medications, x-ray and laboratory services and sometimes in-patient and out-patient surgery. 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.
To determine if an HMO plan is right for you or your family, give JC Lewis Insurance a call (866-745-9555). We'll be happy to assist you.
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.
