|
California Health Insurance - Family or Individual
(HMO, PPO, POS or Major Medical Coverage)
|
|
Individual or family health insurance can provide the
important protection needed in the event of illness and for regular preventive care. Using the strength and experience of our health insurance markets, Orr & Associates Insurance Services can offer affordable HMO, PPO, POS, and Major Medical Health Insurance policy coverages throughout California, including the Los Angeles to San Diego metro area. |
|
Health insurance plans that allow you the most choices
in doctors and hospitals also tend to cost more than plans that limit choices. Individual and family health insurance plans that help to manage the care you receive, such as PPO and POS plans, usually cost you less, but you must give up some freedom of choice. |
|
Learn more about HMO, PPO, and POS managed
health care insurance policies we offer throughout California by clicking on a link below or click on the link for information on Major Medical health insurance. |
|
PPO Health Insurance Policy Overview - California
|
|
You can see any health care professional in the network any time you choose to
make an appointment. You don't need referrals for specialists or other services as you do in an HMO. You can see doctors or specialists outside your PPO network, however, your portion of the costs will be higher. |
|
You may have to pay some portion of the cost (co-payment) for each office or
hospital visit, such as $20 - $30 per doctor visit, regardless of what the services cost. Also, some services such as emergency room, mental health and chemical dependency services, may carry additional costs in a California PPO health insurance plan. |
|
Click on the link below to fill out a secure quote request form for a California family
or individual PPO health insurance policy that provides excellent health insurance coverage and services at an affordable cost. Or you can speak with our California Health Insurance agent specialist at (951) 693-5017 to discuss the features. |
|
* Preventive care emphasis
|
|
* Pays benefits for out-of-network care, but at a lower level
|
|
POS Health Insurance Policy Overview - California
|
|
Less restrictive than an HMO or PPO, a (POS) or Point of Service plan lets you see
any licensed health care professional for anything covered by the insurance. Care you receive from out-of-plan health care professionals is reimbursed, but you must pay an often times much higher co-payment or deductible amount. While you may choose to see a physician outside the network, if you don't receive permission from your (PCP) primary care physician, you're likely to end up submitting the bills yourself and receiving only a small reimbursement...if any.
Costs that exceed your deductible are covered by a co-insurance plan in which you
and the insurance company share the cost for services covered by the policy. |
|
Also, some services such as emergency room, mental health and chemical
dependency services, may carry additional costs in a California POS health insurance plan. |
|
Click on the link below to fill out a secure quote request form for a California family
or individual POS health insurance policy that provides excellent health insurance coverage and services at an affordable cost. Or you can speak with our California Health Insurance agent specialist at (951) 693-5017 to discuss the features. |
|
We are a local Temecula, California insurance agency, offering affordable health insurance
services in the following cities and counties: Murrieta, Lake Elsinore, Wildomar, Lakeland Village, Fallbrook, Canyon Lake, Sun City, Perris, Romoland, Homeland, Menifee, Quail Valley, Sedco Hills, Alberhill, Moreno Valley, Corona, Norco, Riverside, Woodcrest, Home Gardens, El Cerrito, Pedley, Mira Loma, Glen Avon, Rubidoux, Loma Linda, Lakeview, Rainbow, Pala, Sage, Hemet, Valle Vista, Aguanga, Oak Grove, Warner Springs, Santa Ysabel, Escondido, Pauma Valley, Ramona, Valley Center, Bonsall, Vista, Oceanside, San Marcos, Carlsbad, Encinitas, San Diego, San Clemente, San Juan Capistrano, Laguna Niguel, Dana Point, Laguna Beach, Mission Viejo, Lake Forest, Aliso Viejo, Laguna Hills, Emerald Bay, Irvine, Coto de Caza, Rancho Santa Margarita, Laguna Woods, Trabuco Canyon, Three Arch Bay, Crystal Cove, Newport Beach, Corona Del Mar, Tustin, Santa Anna, Costa Mesa, Orange, Huntington Beach, Westminster, Anaheim, Garden Grove, Red Hill, East Tustin, Lemon Heights, Villa Park, Olive, Cowan Heights, San Bernardino, Ontario, Fontana, Colton, Rancho Cucamonga, Fullerton, Oakland, Riverside County, Orange County, San Diego County, San Bernardino County, Imperial County, and Los Angeles County, CA. We also offer health insurance services throughout the state of California, including the Los Angeles, Sacramento, and San Francisco Bay areas. |
|
Click on the link below to fill out a secure quote request form for a
California health insurance policy that provides excellent health insurance coverage and services at an affordable cost. Or speak with our California Health Insurance agent specialist at (951) 693-5017 to discuss the features. |
|
SSL Secure
|
|
* Preventive care emphasis
|
|
* Primary care physician (PCP) coordinates your total care
|
|
* Must get a referral from your PCP to visit a specialist
|
|
* Fixed monthly fee
|
|
HMO Health Insurance Policy Overview - California
|
|
Subscribers to an HMO receive medical services from participating physicians,
clinics and hospitals. You choose a primary care physician (PCP) from a list of participating doctors from where you live in California. That doctor is used for typical circumstances such as annual exams and usual health issues. If you need to see a specialist, be hospitalized, or have lab or X-ray work, your doctor will refer you to a provider or facility within the HMO system. Your doctor must give authorization for those services to be covered by your HMO. In other words, you must see HMO approved physicians and use HMO approved facilities or pay the entire cost of the visit yourself. |
|
Similar to Point-of Service (POS) and PPO's, HMO's have made arrangements for
lower fees with a network of health care providers and give their policyholders a financial incentive to stay within that network. |
|
You may have to pay some portion of the cost (co-payment) for each office or
hospital visit, such as $20 - $30 per doctor visit, regardless of what the services cost. Also, some services such as emergency room, mental health and chemical dependency services, may carry additional costs in a California HMO health maintenance plan. |
|
Click on the link below to fill out a secure quote request form for a California HMO
health insurance policy that provides excellent health insurance coverage and services at an affordable cost. Or you can speak with our California Health Insurance agent specialist at (951) 693-5017 to discuss the features. |
|
* Convenient access to quality health care
|
|
* Large and diverse network available of primary care physicians,
specialists, hospitals & clinics. |
|
* Pay for services as they are provided
|
|
Major medical health insurance provides benefits up to a high limit for most types of
medical expenses incurred, subject to a deductible. Once you meet the deductible, our California Major Medical Insurance plans pay a percentage of what is considered the "Usual and Customary" charge for covered services. The insurance company generally pays 80% of the Usual and Customary costs and you pay the other 20%, which is known as co-insurance. If the insurance company charges more than the Usual and Customary rates, you will need to pay both the co-insurance and the difference. |
|
With California Major Medical Insurance plans you can choose your doctor and any
hospital for your medical services. You or your doctor send the bill to the insurance company, which pays part of it. Usually, you have a deductible such as $250 or more to pay each year before the insurer starts paying. The plan will pay for charges such as medical tests and prescriptions as well as from doctors and hospitals. |
|
Major medical insurance coverages offer more choice of doctors (including
specialists, such as cardiologists and surgeons), hospitals, and other health care providers than managed care plans, such as HMO, PPO, and POS. California Major Medical Insurance may not pay for some preventive care, such as check-ups, and is usually a more expensive health insurance coverage than utilizing a California HMO, PPO, or POS plan. |
|
Click on the link below to fill out a secure quote request form for a California family or
individual Fee-for-Service / Major Medical health insurance policy that provides excellent health insurance coverage and services at an affordable cost. Or speak with our California Health Insurance Agent specialist at (951) 693-5017 to discuss the features. |
|
Learn more about the other types of Individual or Family Health Insurance polices
we offer in California by clicking on a link below! |
|
Learn more about the other types of California Individual or Family Health Insurance
polices we offer by clicking on a link below! |
|
Managed Health Care Plans:
|
|
Fee-for-Service Health Plan:
|
|
Learn more about the other types of California Individual or Family Health
Insurance polices we offer by clicking on a link below! |
|
Managed Health Care Plans:
|
|
Fee-for-Service Health Plan:
|
|
Managed Health Care Plans:
|
|
Learn more about the other types of California Individual or Family Health Insurance
polices we offer by clicking on a link below! |
|
Fee-for-Service Health Plan:
|
|
Managed Health Care Plans:
|
|
SSL Secure
|
|
SSL Secure
|
|
SSL Secure
|
|
SSL Secure
|
|
**The information, pictures, and other content in this website about particular insurance
services is only provided for informational purposes. Any decisions regarding your insurance needs should be discussed with a licensed insurance agent. |
|
Copyright 2006-2008 Orr & Associates
Insurance Services, All rights reserved
|
|
Site Built & Maintained by InsuranceWebsiteServices.com
|
|
Personal Insurance
|
|
Grant Wonacott
Orr & Associates
28270 Single Oak Drive, # 255
Temecula, CA 92590
Riverside County, California
(951) 693-5017
Fax: (951) 693-5027
|
|
Answer a few questions and
we will provide you with a quote by email or phone. Choose the California insurance coverage you're interested in from the menu above. |
|
Business Insurance
|
|
Orr & Associates
|
|
Insurance Services
|
|
Business Insurance Specialists
|