Health Insurance Plans
California Individual Health Insurance Quote
Individual and family health insurance is available to Californians who do not have health insurance through an employer. Your application for coverage is underwritten and accepted or rejected, based on the underwriter’s conclusions regarding your health.
While the health of you and your family is a major factor, insurance companies vary in their interpretation of acceptable and unacceptable health history which can affect what coverage’s will be available to you and how much they will cost. That’s why we strongly suggest you discuss your options with a JC Lewis licensed representative, we will help you identify those plans best suited to your needs and present circumstances.
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Purchasing Individual and Family California health insurance no longer is a lengthy, drawn out process. Because we offer multiple health insurance companies, California residents have more choices when buying through JC Lewis Insurance.
JC Lewis makes it easy for you to compare California individual health insurance quotes and apply for a policy underwritten by the best insurance companies, Blue Cross, Blue Shield, Aetna, Health Net, California Farm Bureau and PacifiCare to name a few.
Frequently Asked Questions
A specified dollar amount the health insurance company may require you pay out-of-pocket each year before your insurance begins to make payments for claims. Not all health insurance plans have a deductible. Most of our companies are coming out with "no deductible" plan options to allow policy holders to receive payments for claims as soon as the coverage is in force.
Co-insurance refers to the percentage that the insurance company or policy holder is responsible to pay after the deductible has been met. For example, let’s suppose your health insurance plan has a 70/30 co-insurance and a 2000 deductible. You first have to satisfy your deductible (2000), then the insurance company will pay 70% of all your claims and you pay 30%. The co-insurance percentage is in effect until the out of pocket maximum has been satisfied.
A "co-payment" or "co-pay" is the amount the policy holder is responsible to pay for particular service. Most of the time co-pays can be used before satisfying the plan deductible. The most popular co-pay services are for primary care office visits, preventive care and prescription medications. If your policy has 30 dollar co-pays for a primary care office visit then you pay 30 dollars when visiting the Dr.’s office. Any excess charges for that visit, as long as the doctor codes the services as part of that office visit, are free of charge.
Health insurance premiums are regulated by the California Insurance Department. You pay the same price for any plan selected whether purchased from JC Lewis, another agent or directly from the insurance company. The ultimate price is determined by the product selected and your health. What you ought to be looking for and what we help you find, is the best product for your needs and pocketbook.
