There are thousands of individual and group health insurance plans available to you, choosing the most appropriate one for you is more important than you may think! There is a reason Blue Cross has many different plans available, each one is designed for a specific type of person. I work as an insurance agent in Orange County, CA and come across plans far too often people have enrolled in years ago that are not right for them. I often find people paying for something they are not using, for example, it does not make sense for a single male to be on a health insurance plan that offers maternity benefits when he will not use them; why not choose a no maternity plan that may be less expensive.
Every insurance company whether it be Blue Cross, PacifiCare, Aetna, Blue Shield or Kaiser have plans designed specifically for you. If you rarely go to the doctor and you are just looking for a plan that covers you just in case they have plans available to fit that need. If you are someone who wants to get annual checkups and pay very little when you go to the doctor, they have a plan for you! My point is you need to make sure you fully understand all plans available and get the input from an unbiased insurance agency.
Also make sure you are up-to-date with your plan. It becomes very advantageous to work with someone who can inform you when there are updated plans available. If you are enrolled in the same plan you were in several years ago, chances are there is a updated plan available which may be less expensive and/or increased benefit!
Working with an Insurance Agency can be very beneficial. Most Insurance Agencies do not charge excess commissions, they get compensated directly from the carrier (Blue Cross, Kaiser, etc.) the monthly insurance premiums do not affect the consumer whether they go to an Insurance Agency or direct to the carrier.
For a FREE complete review of your current Group OR Individual insurance plan, or for a quote, please contact our California offices.
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