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Health Care Insurance 101

Residents of Santa Monica and Los Angeles are served by some of the world’s finest health care providers, but they face a confusing array of health insurance choices. There really can be too much of a good thing when it comes to health care insurance. In fact, the vast majority of health care insurance consumers are not aware of the wide range of options each health insurance company offers.

That’s where the health insurance experts at Wilshire Health Insurance come in.

We know the ins and outs of every health care insurance program and plan, so we can provide free quotes for plans that match your family’s health insurance requirements and fit within your budget. For example, we may adopt a group health insurance strategy even if you and your family are not part of an employer’s group health insurance plan. Or we may suggest placing different family members into different health care insurance plans to maximize your health insurance dollar. We are not afraid to take an unconventional approach to create a health insurance package that gets you and your family maximum benefits at minimum cost. Here are just a few of the considerations that go into finding the ideal health care insurance plan:

1. Price

The goal of health care insurance is to keep your family out of financial jeopardy, not to put it there. That’s why Wilshire Health Insurance works within your health insurance budget, rather than selling you on a bundle of benefits you cannot afford. At the same time, we never recommend a cheap health insurance plan just to make a sale. We find the “sweet spot” of a plan that offers the right mix of benefits with a premium you can afford. That way, your family is protected against the kind of catastrophic medical expenses that can wipe out your savings while still allowing you to meet all your financial commitments.

2. Preference.

We understand that many families have a preference when it comes to a family doctor, personal specialist, or other physician. Wilshire Health Insurance appreciates the value of maintaining relationships with medical professionals who know you and your medical history. That’s why we provide free quotes for health insurance plans that will let you and your family stay with your preferred physician. That can mean paying a slightly higher health insurance premium, agreeing to higher deductible, or enrolling in an indemnity (fee-for-service) health insurance plan. Wilshire Health Insurance aggressively pursues every possibility accommodate your preference to stay with your doctor and stay within budget.

3. Pre-existing Conditions.

A medical condition that has been diagnosed before enrolling in a new health care insurance plan is considered a “pre-existing” condition. California law allows health insurance companies to delay or deny coverage for pre-existing conditions such as asthma, cancer, diabetes, high blood pressure, or obesity. Wilshire Health Insurance knows the various waiting periods and exclusions that different health insurance companies have for pre-existing conditions. We can provide free quotes for the best available health insurance plan for any pre-existing coverage. One solution is to sign up for a group health insurance plan—an option that may be possible if you are self employed. By California law, a health insurance company operating in California cannot deny or delay coverage for pre-existing conditions to a members of a group health insurance plan. The pros at Wilshire Health Insurance can advise you on how to obtain group health insurance even if you are between jobs or self-employed.

4. Prescription Medication.

Prescription medication costs a lot of money, so if you or someone in your family uses prescription drugs, Wilshire Health Insurance will factor that into our analysis of a health care insurance plan. A health insurance plan that offers partial or no coverage of prescription medications can cost more in the long run than a health insurance plan that costs a little more each month but covers prescription drugs. Conversely, a comprehensive health insurance plan that pays for prescription medications could cost more over time than the combined cost of a less expensive health insurance plan and paying for medications out of pocket. Wilshire health Insurance is happy to do a full analysis for you and your family. We pride ourselves on delivering free quotes for the best coverage for the lowest true cost, and that is what we will do for you.

Get a Free Health Insurance Quote Today!

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