Los Angeles, California Individual Health Insurance
Paul Diaz Insurance Agency will help you understand the different types of health insurance choices for you and your family. Although many plans differ, they basically cover most medical, surgical, and hospital expenses and prescription drugs. Some plans even offer preventive health care, immunizations, and dental coverage.
Fee-for-service (FFS) is a health plan that pays medical professionals for the services provided to the patient. Patients in California are free to choose their doctor and the claims are filed either by the health care provider or the patient.
Most personal health insurance plans are some form of Managed Care. Managed Care policies include:
- Health Maintenance Organizations (HMO) – With HMOs, all your health care services go through your primary care physician. You will need a referral before seeing specialists or other health care professionals. This usually means less paper work and lower health care costs for everyone.
- Preferred Provider Organizations (PPO) – This plan offers more flexibility. You do not need a primary care physician and can go to any health care professional you choose. However, staying inside the network will result in lower out-of-pocket costs.
- Point-Of-Service (POS) – This plan combines some qualities of the HMO and PPO plans. The benefit levels may vary depending on whether you receive your care within or outside of the network of providers. Like HMO plans, you choose your primary care doctor and need referrals to network specialists when needed. Like PPO plans, you may receive non-network care but at a higher expense.
Obtaining the right personal health insurance in California is crucial. Whether you prefer having a specified primary care doctor or having more flexibility with your medical care, there is a plan for you. Our team of professionals at Paul Diaz Insurance Agency can help you sort through all the options and help you choose a personal health insurance plan to suit your needs.