National Insurance Direct

5 Tips To Health Insurance Coverage in California

If so, you’re probably feeling a bit overwhelmed. The insurance market remains awash in plans, usually with high price points. Some have many more benefits than others. 

Yet, without some form of coverage, healthcare in the United States often becomes too expensive for many people to afford. Because of this, many people choose to purchase insurance if their employers don’t offer it as part of the benefits package.

So, how do you choose the best insurance policy in California?

Keep reading to learn about the 5 best tips to getting a health insurance plan that works for you!

1. Know Your Options for Health Insurance Coverage in California

Many health insurance providers offer nationwide coverage. Yet, not all plans are taken by all doctors, and your plan may impact your ability to see a physician while under coverage. 

So, before you select a plan, first think about what type of services you need covered. Do you love your primary care physician and don’t want to change doctors? Do you have a specialist you need to see on a regular basis?

Take a look at what types of insurance they take. You can usually find this information on their website or on online medical sites, such as Healthgrades.

Still, always call your doctor’s office to make sure there haven’t been any recent changes to the insurance information.

Then, let us know you’re interested in obtaining insurance and speak to our health insurance agents to get insurance in California.

2. See If You Qualify for a Tax Credit

Often, when people first see the cost of their insurance, they balk.

And there’s good reason to: insurance plans with good coverage often cost a lot of money every month. For some, it’s hard to justify putting $400 a month into an insurance policy plan when they don’t even spend $400 a month on medical bills.

Yet, if you have an unexpected medical condition or emergency, you’ll end up spending thousands on medical bills. It’s not unusual for uninsured people to have to scramble to pull together small fortunes to pay off their medical payments.

So, if you can’t afford to have an insurance plan and can’t afford to not have one, what should you do?

See if you qualify for a tax credit. The U.S. government allows individuals within certain income brackets to apply for credits on their insurance policies, which brings down the monthly price.

Some people can even cut the cost of their insurance by significant percentages, making them much more affordable.

3. Know When to Enroll

Did you know you can actually apply for health insurance in California outside of open enrollment?

It’s true that the Affordable Care Act has a window of time in which anyone can apply for and enroll in its plans. The period is called open enrollment, and it lasts from November 1st through December 15th

Then, your insurance coverage goes into effect on January 1st.

Exceptions exist, though. If you have recently gone through a major life change, such as a birth, adoption, or marriage, you qualify for a Special Enrollment Period (SEP). You also may qualify if you lost healthcare coverage or moved.

Each SEP carries a different window of opportunity during which you can enroll. Depending on your situation, you’ll have 60 days either before or after your event to get a health insurance plan.

If you don’t enroll within this time, you’ll have to wait for the next open enrollment season.

4. Consider Vision and Dental Plans

All California health insurance plans also offer vision and dental plans for children.

This can be a great asset. After all, visits to dentists and optometrists can be just as pricey as seeing a doctor, depending on the service you receive. It’s also important to get your child regularly screened.

Yet, not all insurance plans in California include adult dental and vision plans.

This can be a problem, especially because many American adults have eyesight that requires annual checks, and they need biannual dental cleanings.

And that’s just if you don’t have an emergency!

As such, many Californians also want vision and dental plans. Usually, these policies cost more, but they can end up saving you money when it comes to your vision and dental visits.

5. Work With an Insurance Agent

Many people associate insurance agents with the people who go around to work offices, explain the details of employer-covered plans to employees, and help them choose a plan. 

When people try to find health insurance without a company, then, many make the mistake of not calling an insurance agent. 

Why is this an error?

Insurance agents know all of the ins and outs of finding plans that work well for you and your lifestyle. They’ll be able to answer all of your pressing questions, including whether or not a particular plan will cover your current medications or needs.

These individuals specialize in matching people to excellent plans that meet their needs while not overtaxing their wallets. If you don’t take advantage of an insurance agent, you might not end up finding the plan that works best for you.

Want to get started talking with an agent today? Call us at (855) 912-8058!

Ready to Get Covered?

Now, you know all about getting health insurance coverage in California. This means you should start looking into plans.

While getting a plan in California may look complicated, it doesn’t have to be.

As long as you know what you want covered, know when to enroll, figure out if you can get a tax credit, consider your dental and vision plans, and speak with an agent, you should be able to find a plan that works for you!

Ready to get started? Have more questions? Contact us today, and one of our employees will be available to work with you!