Health Care Insurance Overview
Residents of Woodland Hills, Sherman Oaks, Encino Westwood, Beverly Hills, Burbank, and all of Los Angeles County have access to some of the finest hospitals, clinics, and doctors in the world, but they face a mind-numbing array or health care insurance options.
That’s where uInsureMe.com comes in. We cut through the clutter find you the best match for your and your family’s needs. Here are a few key points to keep in mind as you shop for a health insurance plan:
1. Budget. The purpose of health insurance is to protect your family from a financial catastrophe, not to create one. You want to make sure you can afford to follow through on your health insurance, not just in good financial times, but in challenging times as well. That means finding a health insurance policy that safeguards you from runaway medical costs while fitting comfortably within your budget. That’s why it pays to consult with the health insurance professionals at uInsureMe.com. We never oversell you on a policy with benefits you will never use, and we will never undersell you on a cheap health insurance policy just to make a sale. We carefully match your genuine needs to the most affordable options out there, so you get the best of both worlds: affordability and quality care.
2. Continuity. Switching health insurance providers does not have to mean switching doctors. If you have a family physician or specialist who knows you and your Family medical history, we will deliver quotes for a plan that provides the continuity you desire.. We make sure you have all the options you want so you can make the choice that makes the most sense for you.
3. Insurability. According to California law, health insurance providers can postpone or refuse coverage for medical conditions that have been diagnosed prior to enrolling in the new health insurance plan. Such conditions are known as pre-existing conditions. The good news is that waiting periods and exclusions vary from one health insurance provider to another; and from one health insurance plan to another. uInsureMe.com has a working knowledge of each health insurance company’s policies regarding pre-existing conditions, so we can provide free quotes for the best options for you and your family. We also will pursue innovative strategies to get you into a group health insurance plan—an option that may be possible even if you it is a husband and wife business. Health insurance companies operating in California by AB1672 law cannot delay or deny coverage for group plan members, even if they have pre-existing conditions if they qualify under the Act of AB1672. uInsureMe.com will counsel you on how you might be able to enroll in a group health insurance plan.
4. Medications.The coverage of prescription drugs can be the determining factor in the choice of a health insurance plan. A health care insurance plan that provides few or no prescription drug benefits can cost more overall than a health insurance plan with higher premiums but a good prescription drug benefit. Conversely, a high-priced health care insurance plan that offers full prescription drug coverage might cost more overall than a lower cost plan that requires you to pay some out-of-pocket costs for prescription drugs. uInsureMe.com will do the math for you to find the best health care insurance coverage for the lowest true cost to you. Each insurance company has their own Formulary Brand Name Drug List, we will check first what plan your medication will fall under and then offer the advice.