Health Insurance
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Need Help? Call us. Our recommendations take into account the following::
Your Circumstances: There is no “one size fits all” health care plan. We each have different health needs—which change over time. We each have different amounts to spend on health care—that, too, can change over time. A single person doesn’t need the same coverage as a family with small children. Retirees have different health concerns to address than do young professionals. A family of four might need a different plan than the family of four who live right next door.
The Companies. Blue Cross, Blue Shield, Kaiser, Health Net, Aetna, Cigna, California Choice… you can get a headache trying to find the right insurance company! At Breedlove Insurance, we work with all reputable carriers. We’ll do the research and present the options, based on your particular needs. Give us a call, and we'll help you through the maze.
Cost vs Coverage. The cost of the plan shouldn’t be the only determining factor in your choice. What does that cost cover; what does that money buy? We’ll help you compare plans carefully to get the best coverage for the most reasonable cost.
HMO, PPO, COBRA, HSA… It’s more than a puzzle, it’s alphabet soup!
- PPO plans allow you considerable choice in doctors and hospitals.
- HMO’s determine some choices, such as doctors and facilities, for you. Kaiser is an example of an HMO.
- HSA plan—Health Savings Account—is a personal savings account, providing tax advantages, that works in conjunction with a high-deductible health insurance plan. HSAs provide funds to pay qualified medical expenses, including health insurance deductibles and co-payments. Shop and compare HSA plans. Get HSA facts from the US Department of the Treasury.
We’ll explain every type of plan thoroughly, so you can make the best decision. You’ll want to consider many variables such as the cost of the monthly premiums, the amount you then pay for office visits and prescriptions, the annual out-of-pocket maximum, and which doctors and health care providers you can see. We can guide you through it all!
Useful Sites
- Six Tips To Choosing the Right Health Insurance (Tip #3: Use an Insurance Broker!)
- California Dept of Managed Health Care
- Brochure about HSA accounts from the US Dept of Treasury
- FAQs about HSAs on the US Dept of Treasury website
“Offering health insurance to our employees was easier to do and less expensive than we thought. Customer service is a priority for us and that’s what we get from Breedlove Insurance.”