Whether you need health insurance for yourself or your family, we are here to help you navigate the off and on exchange marketplace. Health insurance is not an easy topic and knowing the basics of the policies can save you money. We take the time to educate our clients regarding the options available, making sure you have the best insurance plan suited to your requirements. Our agency is appointed in all 50 states and with all carriers. If you are interested in scheduling a call or in person meeting to discuss your health insurance needs, please send an email to with your full name, date of birth, and zip code.
An amount of money that has to come out of your pocket before your insurance begins to pay out contributions towards your medical expenses.
The percentage shared between you and the insurance carrier after your deductible has been met. For instance, your medical bill is $100 and your co insurance is 20%/80%, you would be responsible for the 20% and the carrier will be responsible for the 80% of the medical bill.
Out of Pocket Maximum
The most you will have to pay for covered services in a plan year. Once you meet the out of pocket maximum the insurance carrier will pay 100% of medical expenses.
A fixed amount you will pay for covered health care services.
HMO (Health Maintenance Organizations)
A type of health insurance plan that usually limits coverage to care from doctors who work for or contract with the HMO. This type of plan will not cover any out of network providers.
PPO (Preferred Provider Organizations)
A type of health insurance plan where you pay less if you use providers in the plans network. You can visit doctors, hospitals, and providers outside of the network without a referral for an additional cost.
EPO (Exclusive Provider Organizations)
A managed care plan where services are covered only if you use doctors, specialists, or hospitals in the plans network (except in an emergency).
HSA (Health Savings Accounts)
A type of savings account that lets you set aside money on a pre-tax basis to pay for qualified medical expenses. By using untaxed dollars in a Health Savings Account (HSA) to pay for deductibles, copayments, coinsurance, and some other expenses, you may be able to lower your overall health care costs. HSA funds generally may not be used to pay premiums.
HDHPs (High-Deductible Health Plans)
A plan with a higher deductible than a traditional insurance plan. The monthly premium is usually lower, but you pay more health care costs yourself before the insurance company starts to pay its share (your deductible). A high deductible plan (HDHP) can be combined with a health savings account (HSA), allowing you to pay for certain medical expenses with money free from federal taxes.
We work with
- Covered California
- Blue Shield of California
- Health Net
- OSCAR Health
- Anthem Blue Cross
- United Healthcare
- Kaiser Permanente Cigna
- Molina Healthcare
- LA Care
- Choice Builder