Why Use Awarding Health Insurance Quotes?
At www.awardinghealth.com, we specialize in finding a health plan for you based on your budget, lifestyle, or health conditions. Health insurance plans come in a range of premiums, deductibles and health eligibility requirements — families have widely differing needs too. We provide guidance to ensure that everyone can find the very best health insurance options.
It’s Quick, Easy, and Free
Working with our licensed health insurance agents is simple and rewarding. After understanding your health insurance needs, our expert agents act as your personal guide, scanning the marketplace for the best medical insurance plans at the lowest price. What’s the cost to you for this research? Nothing. This service is free.
Covered California is the health insurance exchange that was put in place after the Affordable Care Act was passed in 2010. The exchange allows people to apply for health insurance that is subsidized with advanced tax credits for those with qualifying income requirements. It was introduced in October of 2013 to enroll California residents for plans beginning January 1st, 2014. Starting in 2014 you cannot be denied coverage for pre-existing health conditions on or off the exchange.
At Awarding Health, we have been certified since the start of the exchange, and have years of experience to help you choose a plan.
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At awardinghealth.com your needs come first. We represent many companies and don’t play favorites. As long as we’ve found the right health insurance plan for your situation, we’ve done our job.
We Offer Expert Advice
Unless you know the health insurance industry inside and out, shopping can be confusing. You can spend a lot of time visiting websites of many health insurance companies, or contacting multiple health insurance brokers, but it’s overwhelming without some advice. Our experienced health insurance agents talk to thousands of customers every day, so there isn’t a situation they haven’t seen, or a plan they can’t find for you and your family. Best of all, the advice is free and there’s never any pressure to buy a thing.
Many Options and Guaranteed Low Cost Health Insurance Plans!
We represent the nation’s top insurance companies including Anthem BlueCross, BlueShield, Kaiser, HealthNet, Cigna, L.A. Care and many providers offering plans through the exchange, which allows us to quickly find the most competitive health insurance plans in your area. And because prices are fixed by law, you won’t get a better price for our plans anywhere else.
Call (877) 714-7979 to talk to a friendly agent. Get expert guidance and FREE health insurance quotes. To compare medical insurance plans, start here. Your agent will use information you provide - a list of things you’d like covered in your health plan, medications that you or a family member is currently taking, pre-existing medical conditions - to research, review and present recommendations to you for the most appropriate health plans. The agent will be able to answer questions you have about the plans presented and further discuss the pros and cons of each plan choice.
What Should You Look for While Buying Individual Health Insurance?
When shopping for a health insurance plan, here are a few things to consider:
- Is the premium an amount you are comfortable paying each month?
- Do you have money set aside that will help cover your deductible?
- Does the health plan cover the benefits you need such as pregnancy, prescription drug coverage, doctor visits and hospitalization?
- If it does not offer you all the benefits you need, is it still your best health insurance option?
- Is your doctor in the health plan’s network?
Have more questions?
Call (877) 714-7979 and talk to a licensed health insurance agent.
What Factors Affect Your Health Insurance Premiums?
You’ll be paying for health insurance premiums whether you use any medical services or not, so how are monthly premiums determined?
Insurance companies employ actuaries who calculate the framework for determining insurance premiums. Premiums are based on a variety of factors including your health status and history, lifestyle choices, where you live, your age and your height and weight.
In addition, your premium costs will vary based on several coverage variables:
Deductible amounts - your health insurance deductible is a set amount that you must pay out-of-pocket before receiving any reimbursement of expenses from the insurance company. Many insurance companies offer high deductible plan options, which will likely lower your monthly premiums.
Coinsurance - your coinsurance amount is a percentage of costs that you pay for covered services. For example, if you choose an “80/20 plan,” then your insurance company pays 80 percent of the covered expenses and you are responsible for 20 percent of the covered costs, after your deductible.
Co-payment - a co-payment (co-pay) is a dollar amount that is your responsibility and it is typically applied to items such as doctor office visits, emergency room visits and prescription drugs.
Out-of-pocket maximums - An out-of-pocket maximum is the dollar limit that you will be responsible for during the course of the policy term. This amount typically includes deductibles, co-payments, and co-insurance but not premiums.
Lifetime maximums - this is the maximum amount your insurance company will pay in your lifetime for your policy.
Health Insurance Quotes and Advice
Health insurance is a maze of choices. If you have trouble understanding confusing health insurance terms or are overwhelmed with all of the health plan options, you’re not alone. With awardinghealth.com an expert will be on your side to make it simple, understand your unique needs, and recommended the perfect health plan for your situation — all in under 10 minutes!
Call us at (877) 714-7979 for expert guidance and FREE health insurance quotes.
*This website is owned and maintained by Awarding Health, which is solely responsible for its content. This site is not maintained by or affiliated with Covered California, and Covered California bears no responsibility for its content. The e-mail addresses and telephone number that appears throughout this site belong to Awarding Health and cannot be used to contact Covered California.