Health Insurance - General Health Insurance information for California shoppers. If you are looking for a California health insurance quote, then you have come to the right place. We have all the major California health insurance companies repesented through our agency. We look forward to serving you, and answering all your questions.
California Health Insurance - California health insurance premiums are on the increase. We specialize in helping shoppers find the lowest cost california health insurance premium with the best possible coverage. If you live in California, you should take a moment to get a quote from us - You will be glad you did! We can usually find ways to reduce your health insurance costs, and keep your family insured.
Affordable Health Insurance - Information about Affordable Health Insurance in California. As we continue to move forward into the 21st century, health and health insurance remain a hot button topic. With more advances than ever before in medicine, it is important to maintain access to doctors and hospitals, as well as perscription drugs. The costs keep going up, and it is important to have insurance to help buffer that cost.
Low Cost Health Insurance -What really is Low Cost Health Insurance? The difference between "Low Cost" and "Cheap". Everyone always says, “I want cheap insurance.” Here we talk about the difference between low cost and cheap. The truth is, you get what you pay for. But that doesn’t mean you can adjust your deductible and use other stratigies to reduce you out of pocket expenses.
Insurance Companies - This link contains some of the health insurance companies we repesent. Here you can find information about Blue Cross, Blue Shield, Kaiser, Healthnet, Pacificare, and others. The compaines in this list are amoung the largest carriers in California, and the country.
HIPPA & COBRA - Employer Regulation Questions and FAQ regarding HIPPA. Here we outline the Health Insurance Portability and Accountability Act in all its legslative glory! ( Now that’s a mouth full) This law passed by congress in 1996 is amoung the best intended and worst written legislation imaginable. We try to disect this health insurance lawit from a question and answer perspective to give you a better overall understanding of this important health insurance law. We also cover the COBRA act and how it too affects health insurance in California.
Employee Benefits - Information regarding various Employee Benefits. Many employees site the reason they leave their current employer as a lack of Health Benefits, and other employee beneifts. There are a number of ways to add these important benefits to your company and keep the costs affordable for both the employer and employee. Take a moment to read about employee benefits and see if we can help your company retain its most valuable asset - its employees.
Dental Insurance - An excellent low cost, high value benefit that many people forget to think about. But how important is your smile to you? Dental insurance is not the same as health insurance, and there are a variety of plans that are available to meet almost any budget. Keep in mind, most good dental plans have a waiting period for major dental work. So consider taking out dental insurance coverage before you get a tooth ache!
Self Employed Health Insurance - About the different types of health insurnace plans available to the self employed, and to Business owners. There are many ways we can work with the self employed to get good health coverage. One of the best ways is with a HSA - Health Savings Account. If you have not heard of these plans, they are a “god send” for the purposes of your tax liability and health insurance coverage. Also, if you own a business, and have a minimum of two people, we have guaranteed issue health insurance policies no matter you health history!
Health Insurance Myths - Myths commonly believed about health insurance. You would not believe some things that people think about health insurance. But here are some of the simpler misconceptions about health insurance that may be helpful to you while shopping and getting California health insurance quotes. This information is good to read before you buy health insurance in California.
Temporary Health Insurance - Plans ranging from twelve to eighteen months on a temporary basis. Temporary health insurance may be an excellent low cost alternative to your COBRA coverage. These plans have simple underwriting guidelines, low permiums, and good coverage. If you are just between jobs, or waiting to go onto medicare, take a look at these short term health insurance plans.
About Michael & Hege Insurance Services - Information about your agency (and ours). Many people ask, "Are you a referral service?" The answer is, "No!" Unlike most majorhealth insurance sites on the web, we are not a referral service, you are dealing with an actual insurance broker that can provide coverage for you! Many of the places that ask for your personal information are actually selling it to someone (or many someone’s). Then they call you. You have no idea who you are actually dealing with when you use one of these services, or what kind of health insurance quote you are going to receive. That is why we suggest dealing with a broker. Here you can learn more about our health insurance agency.
