Health Insurance

Who Can Benefit from Private Health Insurance?

There are many situations where people wish to change health insurance coverage or elect to purchase private health insurance off the government exchange:

You aren’t satisfied with the health insurance options available to you through the ACA (Affordable Care Act).
You are unemployed and have exhausted COBRA (an extension of your work insurance) or cannot afford the COBRA payments for your former plan.
Your spouse loses their health insurance, which previously covered you.
Your employer doesn’t offer health insurance, as is common for part-time employees.
You are a sole proprietor or freelancer.
You are retired and not yet eligible for Medicare coverage.
Your existing insurer drops you, or you can no longer afford the premiums.
You are turning 26 and are no longer covered by your parents’ policy.

Fortunately, there are many health insurance options for you today, so you can get the coverage you need with your budget constraints. Some plans offer routine and preventive care, while others cover you for emergencies, which gives you peace of mind should the worst happen.

There Are Several Types of Health Insurance Plans Available for You

Fee for service

This is similar to traditional health plans. You pay a fee to your healthcare provider each time you receive service. This type of insurance usually gives you greater flexibility when it comes to selecting healthcare providers.

Managed care

Fees are typically much lower with this type of health insurance plan. However, you are limited to providers who participate in a specific network. Managed care health insurance includes HMOs (health maintenance organizations), PPOs (preferred provider organizations), and POS (point of service) plans.

Consumer directed

This is also sometimes called consumer-driven or consumer choice insurance. It’s a newer type of insurance that gives users more control. Medical expenses are frequently covered, at least in part, by a health fund that you set up.

Our Independent Agents Can Help You Find the Coverage You Need

There’s no doubt that choosing health insurance these days is confusing. Our independent agents at Escueta Insurance Services help our clients in Burbank, CA and the San Fernando Valley area find the coverage they need and have a huge menu of options for you because they’re not captive agents tied to large companies.

For the best personalized service and health policies tailored to your unique situation, call us at 818-840-8010, or get in touch online with your questions. You can also start a quote on our website any time that’s convenient for you. Don’t go without the healthcare protection you need when you have options available to you.