Frequently Asked Questions

Many residents of Woodland Hills, Encino, Sherman Oaks, Westwood, Beverly HIlls, Burbank and all of Los Angeles County often have questions about health insurance that have not been addressed in the Health Insurance Overview page of our website. To provide the answers you need, we have posted a few of the most frequently asked questions below—with our answers. If your question is not answered here, feel free to submit it to us. By having an ongoing dialogue with our clients, we are able to keep our finger on the pulse of the health insurance community we serve. In addition, our answers can provide useful guidance to countless consumers seeking honest advice and unbiased information about the world of health insurance.

And the answer is...

Many people under 30 are tempted to do without health insurance in order to save money. They believe they are in the best health of their lives and consequently are unlikely to contract a serious illness. If they have to pay out of pocket for an occasional visit to the doctor, for a PAP smear, a mammogram, or other screening, so be it. They reason that it’s less expensive than taking on a health insurance premium. This logic is half right. Younger adults do not need a comprehensive health care insurance plan with large premium. It makes more sense to enroll in a high deductible health insurance policy. Such health insurance plans are relatively inexpensive because the policyholder pays out of pocket many routine screenings. However, the high deductible plan will cover accidents or catastrophic illnesses that otherwise can cost thousands or even tens of thousands of dollars in medical bills.

And the answer is...

One of the best ways to control costs when children are young is to enroll a Health Maintenance Organization (HMO). As the name suggests, an HMO focuses on wellness. The premiums and co-payments are small because the members of the managed care network are bound by contract to control their costs. You and your family still have access to specialists, clinics, and laboratories when necessary. However, you and members of your family are required to obtain care from physicians within the network.

And the answer is...

Our clients save an average of 15 percent on health insurance when they allow us to shop for new and better coverage for them and their families. Shopping takes time, but that’s our job. In addition, we work with a network of contacts deep inside the insurance companies who provide confidential information about the best deals and new programs available to consumers. Not only do our clients enjoy lower premiums, but they also enjoy better service, because we function as your advocate with the health insurance companies. When you get health insurance directly from the health insurance provider, you will have to call the same 800 number as everyone else to get your questions answered. We can get those answers for you—faster—because we have account executives tasked with taking our calls, answering your questions, and getting your problems resolved.

And the answer is...

If you have lost your health insurance through unemployment, relocation, divorce, or another circumstance, you have 63 days to obtain new health insurance before you are deemed to no longer have “continuous coverage.” Once your coverage has been interrupted, insurance companies can require re-qualification for health insurance. That means they can delay or deny coverage for any pre-existing conditions you or another family member might have. If you are among those who have lost their health care insurance within the last 63 days, contact us immediately. We will obtain several quality quotes for you immediately and assist you with the application and approval process so you do not forfeit your continuous coverage.

And the answer is...

HIPPA is an acronym for the Health insurance Portability and Accountability Act, a federal law enacted in 1996. HIPPA is the law that created the 63-day window for the uninsured to obtain new health insurance without losing “continuous coverage” status. (See Q&A above.)

And the answer is...

If your employer has 20 or more employees on the payroll, it must provide you with the same health insurance benefits it offers the other employees. By law, you must remain in the health plan until age 69. Even though you can keep your employer’s insurance as your primary health insurance, you should sign up for Medicare Part A when you reach age 65. Medicare Part A is paid for with payroll taxes, so you will not be charged a premiums. Medicare can serve as a secondary health insurance plan, covering only those medical services not covered by your primary insurance, providing a safety net that pays for uninsured medical services.