The need for proper health care in the United States has never been greater as shown by the passing of the Patient Protection and Affordable Care Act, also known as Health Care Reform or ObamaCare. Getting sick or injured not at the workplace can cause great financial hardship, especially considering the current cost of medical care, which is only increasing. Health insurance protects you from the extreme financial burdens health care bills can put on you, and will help pay for large out-of-pocket health care expenses that can accumulate during long hospital stays or chronic illness’. This is why having insurance is a necessity and both group insurance for businesses of any size and individual insurance can be purchased through us here at

Instead of paying for healthcare expenses completely out of pocket, insurance will cover a portion for both diagnosis and treatment of a medical expense that is covered by your particular plan. California gives you a wide variety of health insurance, which is why you need an agent like us at to decipher the differences. Below is a list of the different types of health insurance plans available to you in California and Arizona.

  • Indemnity Policies (Traditional Fee-for-Service Insurance)
  • Preferred Provider Organizations (PPO)
  • Health Maintenance Organizations (HMO or Managed Care)
  • Self-Insured Health Plans (Single Employer Self-Insured Plans)
  • Multiple Employer Welfare Arrangements (MEWA)

The California Department of Insurance (CDI) regulates indemnity policies. Indemnity policies typically allow you to pick any doctor and hospital that you wish when seeking health care services. The staple and meaning of traditional fee-for-service insurance is choice. You choose what provider to visit when seeking covered medical services with few geographic limitations. A deductible may be required to be paid for the healthcare services provided if you have purchased an indemnity policy. That means you pay a specific amount before benefits are paid. Here at we offer plans from numerous insurance companies with many deductible options, give us a call if you need help deciding at 602-752-6327.