Comprehensive Health Insurance

Protect your health and financial well-being with comprehensive medical coverage. Access quality healthcare with affordable premiums and extensive provider networks.

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Plan Comparison

Compare HMO, PPO, and EPO options

Health insurance plan comparison
Feature HMO PPO EPO
Primary Care Physician Required Optional Optional
Specialist Referrals Required Not required Not required
Out-of-Network Coverage No Yes, lower benefit Emergency only
Typical Premiums Lower Higher Moderate
Ideal For Cost-conscious Flexibility seekers Network users
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Health Insurance Overview

Comprehensive medical coverage for individuals, families, and businesses

Individual Plans

Personalized health coverage for individuals with flexible options and competitive rates.

Family Coverage

Comprehensive health insurance plans that cover your entire family's medical needs.

Group Insurance

Employee health benefits and group coverage solutions for businesses of all sizes.

Benefits of Our Health Insurance

  • Nationwide Network: Access to thousands of doctors and hospitals across the country
  • Preventive Care: Annual checkups, screenings, and vaccinations at no extra cost
  • Prescription Coverage: Comprehensive medication coverage with preferred pharmacy networks
  • Mental Health Services: Coverage for therapy, counseling, and mental health treatment
  • Emergency Care: 24/7 emergency room coverage and urgent care services
  • Telemedicine: Virtual doctor visits and online consultations included

What's Covered

Essential health benefits and comprehensive medical services

Essential Health Benefits

  • Ambulatory patient services
  • Emergency services
  • Hospitalization
  • Maternity and newborn care
  • Mental health and substance abuse
  • Prescription drugs

Additional Services

  • Rehabilitative services
  • Laboratory services
  • Preventive and wellness services
  • Chronic disease management
  • Pediatric services
  • Vision and dental (optional)

Enrollment & Eligibility

Know when you can enroll and what options may apply

Open Enrollment

Choose or switch plans during the annual enrollment window for ACA coverage.

Special Enrollment

Enroll after qualifying life events like a move, marriage, birth, or job loss.

Employer Coverage

Compare group benefits, dependent coverage, and available plan tiers.

Financial Assistance

You may qualify for premium tax credits or cost-sharing reductions based on income and household size.

Medicaid & Other Options

Check eligibility for Medi-Cal and explore alternatives if ACA coverage is not the best fit.

Understanding Plan Costs

The key terms that determine what you pay throughout the year

Premium
Your monthly payment to keep coverage active.
Deductible
What you pay before the plan starts sharing many costs.
Copay & Coinsurance
Fixed fees or percentages you pay for covered services.
Out-of-Pocket Max
The yearly cap on covered costs you pay in-network.
Picking the right plan means balancing premium, deductible, and provider network based on your expected care needs.

Who Needs Health Insurance?

Essential coverage for everyone's health and financial security

Young Adults

Starting careers and building financial independence

Families

Parents protecting their children's health and future

Self-Employed

Entrepreneurs and freelancers needing individual coverage

Employers

Businesses providing employee health benefits

Frequently Asked Questions

Get answers to common health insurance questions

HMO plans require you to choose a primary care physician and get referrals for specialists. PPO plans offer more flexibility to see any provider but cost less with in-network providers. EPO plans are like PPOs but don't cover out-of-network care except in emergencies.

You can enroll during the annual Open Enrollment Period (November 1 - January 15) or during a Special Enrollment Period if you have a qualifying life event like marriage, birth of a child, job loss, or moving to a new area.

Yes, ACA-compliant health plans must cover certain preventive services at 100% when you use in-network providers. This includes annual checkups, screenings, immunizations, and preventive care for women and children.

You may qualify for premium tax credits or cost-sharing reductions based on your income. Medicaid expansion may also be available in your state. We can help you explore all available options to make coverage affordable.

It depends on whether your doctor is in the plan's network. We can help you find plans that include your preferred doctors and hospitals, or help you find quality providers in your new plan's network.

Secure Your Health Today

Get comprehensive health insurance coverage and access to quality healthcare when you need it most.

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