There are many types of health insurance and medical insurance plans offered by Health Net. They have a large variety of Medicare Plans, from Medicare Supplements to Part D prescription drug plans, as well as a very affordable selection of group plans for small businesses, medium businesses, and large businesses. One of their newest and most popular group plans is called the SmartCare HMO, due to its affordability. Individuals and families also have a great selection of plans to choose from with Health Net, from HMO’s to PPO’s, you can find whatever you need by clicking on the Individual Health tab above. Health Net individual plans have a unique feature called Decision Power, which is a program that brings together resources and personal support in a single location. Decision Power, offers support to members like talking to a health coach, information about health improvement plans, and tracking of personal health information in a safe, central location. In California Health Net has both vision and dental plans available.

The health group plans available in California in Health Net’s Enhanced Choice Portfolio include the Standard EOA, Value EOA, Advantage EOA, Options EOA, SmartCare HMO, Standard HMO, Value HMO, Advantage HMO, Options HMO, and the Salud HMO y Mas, which has an option of coverage in Mexico.

Grace Period – Certain period that follows the premium due date during which a payment can be made to continue a policy without it lapsing or canceling due to non-payment. Life and Health policies are only where this is applicable. To be certain, you should check your policy to see how long the grace period is.

Guaranteed Issue – Is a health insurance policy that will be approved or issued regardless of any preexisting conditions. Underwriting is not determined by the applicants past and current physical condition or past medical procedures. The insurance company will not require a physical examination and cannot decline an applicant coverage due to past medical history on guaranteed issue policies.

Independent Medical Review – A process in which independent expert medical professionals with no ties to your health insurance company or health plan review specific medical decisions made by an insurance company. Independent Medical Review Program is required by California state law, which is administered by the CDI and the DMHC depending upon what type of coverage you have (indemnity or HMO).

Medically Necessary – It can be a device, procedure, therapy, treatment plan, or a drug that your insurance policy will cover. Your physician or hospital will have decided it as necessary for your medical well-being, or health condition.

Policy – A contract that binds an individual or group policyholder to an insurance company or vise-versa. The policy will explain which duties, obligations, and responsibilities the insured and the insurance company have. Included in a policy usually is an application, certificate, endorsement, or any other document that might describe, limit, or exclude coverage benefits under the contract.

Preexisting Condition – A medical condition in which you may have received medical advice or treatment during the six months prior to obtaining health insurance. Group healthcare policies of 3 or more persons cover preexisting conditions after you have been insured for 6 months, and individual policies cover preexisting conditions after you have been insured for 1 year. Creditable coverage, which has been described above, will be counted towards any preexisting condition exclusion in either an individual or group policy.

Usual, Reasonable, and Customary – It is determined by an insurance company, and gives a normal payment range for a specific medical procedure performed within a given geographic area. The price for medical procedures varies throughout the state. Sometimes the charges submitted to an insurance company will be higher than what the insurance company determines as normal for certain medical care services, in which case they may not allow the full amount charged to you.

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 YourHealthQuotes.com 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 YourHealthQuotes.com we offer plans from numerous insurance companies with many deductible options, give us a call if you need help deciding at 602-752-6327.

Here at Yourhealthquotes.com we work with many of the largest insurance companies in California and Arizona. Anthem Blue Cross is one of them. The types of insurance they offer in California are individual and family health insurance plans, as well as Group Insurance for small, medium, and large businesses, all of which can obtained through Yourhealthquotes.com.  However if you are looking for Phoenix Arizona family health insurance quotes or individual quotes, your insurance company will be Blue Cross Blue Shield of Arizona., not Anthem Blue Cross.  Anthem Blue Cross also offers a variety of Medicare products from Supplement Plans, Medicare Advantage Plans, and Part D prescription drug plans, and can be purchased at Yourhealthquotes.com by clicking on the Medicare Supplements tab on the home page. Coverage for individuals and families can be found in different types of insurance plans. PPO plans are the most expansive plans offered by Blue Cross and give you the most plan options to choose from when selecting an insurance plan. There are also several HMO plans to choose from, simply choose a Primary Care Physician (PCP) from Anthem Blue Cross’ vast selection of doctors in their network. All Blue Cross plans now include maternity benefits along with preventative care check-ups.

A few of the different types of individual health plans offered are the Premier Plus, SmartSense Plus, CoreGuard Plus, ClearProtection Plus, Lumenos HSA Plus, and the Tonik plan. The Tonik is the only plans offered by Blue Cross to include both Dental and Vision with the plan. The Lumenos HSA Plus is a great option for those individuals looking for an insurance plan that is tax friendly. The Premier Plus offers the most expansive medical benefits, including a low brand name prescription drug deductible, and low office visit copay options. All of these plans can be found by clicking on the Individual Health tab at the top of the screen. If you have any questions please do not hesitate to call us at 602-752-6327.

Health insurance applications received January 1, 2011 and later, the earliest policy effective date available will be 15 calendar days after receipt of the application. This does not apply to Short Term coverage of 6 months or less.

• Thrill Seeker
• Tonik 5000
• Covers four office visits per year before deductible, with $20 copay per visit. Additional visits covered in full after deductible is met.
• Immediate coverage (no deductible) for generic prescription drugs.
• Includes some dental and vision benefits; optional Enhanced Dental coverage is available.
• Anthem Blue Cross HMO
• Saver HMO
• Select HMO
• Lumenos HSA 11900 Plus
• Lumenos HSA 1500
• Lumenos HSA 3000 Plus
• Lumenos HSA 3500 Plus
• Lumenos HSA 4500 Plus
• Lumenos HSA 5500 Plus
• Lumenos HSA 5950 Plus
• Lumenos HSA 7500
• ClearProtection 3300 Plus
• CoreGuard 1500 Plus
• CoreGuard 2500 Plus
• CoreGuard 3500 Plus
• CoreGuard 5000 Plus
• CoreGuard 750 Plus
• PPO Share 3500
• PPO Share 3500
• PPO Share 5000
• PPO Share 7500
• Premier 1000 Plus
• Premier 1500 Plus
• Robust benefits for both routine and unexpected medical care
• Options include an unlimited number of doctors’ office visits for various covered services. You will be responsible for a predictable copayment, even if you haven’t satisfied your deductible.
• Annual vision screening exam with copayment.
• Premier 2500 Plus
• Premier 3500 Plus
• Premier 5000 Plus
• Premier 6000 Plus
• SmartSense 1000 Plus Standard
• Choose from a range of deductibles and co-insurance levels to change the plan to better meet your needs.
• Immediate coverage with predictable copayments for the first three doctors’ office visits, per plan member, per calendar year.
• Choice of prescription drug coverage options.
• SmartSense 1000 Plus Upgrade
• SmartSense 2000 Plus Standard
• SmartSense 2000 Plus Upgrade
• SmartSense 3500 Plus Standard
• SmartSense 3500 Plus Upgrade
• SmartSense 6000 Plus Standard
• SmartSense 6000 Plus Upgrade

Group health insurance is a large portion of Aetna’s product portfolio, along with a multitude of health plans for individuals and families as well as Medicare supplement and dental plans.

Their mission is “dedication to helping people achieve health and financial security by providing easy access to safe, cost-effective, high-quality health care and protecting their finances against health-related risks. Building on our 156-year heritage, Aetna will be a leader cooperating with doctors and hospitals, employers, patients, public officials and others to build a stronger, more effective health care system.”

Aetna has four key values they adhere by: One is Integrity, stating to “do the right thing for the right reason”. Two is Excellence, saying they “strive to deliver the highest quality and value possible through simple, easy and relevant solutions”. Three is Caring, to “listen and respect their customers”, and four is Inspiration, “inspiring each other to explore ideas that can make the world a better place”.

Group health plans and insurers must provide a summary of benefits and coverage documenting enrollees and potential enrollees at specific times, including during enrollment and re-enrollment. New rules also require 60-days-prior-notice to enrollees when a health plan or issuer modifies the terms of the plan or coverage and the change is impactful. The final rule released by the U.S. Departments of Labor, Health and Human Services, and Treasury (Departments) on February 14, 2012 states the requirement is effective for open enrollment activity that begins on or after September 23, 2012.

There are numerous provisions in the law that will have an impact on the marketplace in 2012. Below is a short description of one of the key features of the law that is taking effect in 2012 regarding women’s wellness. This is only one of the features being implemented in 2012, but it is a key one which is why it is included in the resources section of Yourhealthquotes.com.

Women’s Wellness: Women’s preventative services now include 100 percent coverage on August 1, 2012 when non-grandfatherd plans become effective or renew. This applies when services are provided by in-network physicians. Aetna, along with many other insurance companies, already have adjusted their plans to comply with a number of the required women’s preventive services as stated by the Affordable Care Act. Non-grandfatherd plans are mandated to adhere to coverage for prenatal visits, additional gestational diabetes screening tests, lactation support, devices and counseling, and FDA approved contraceptive methods, including prescribed medications, sterilization procedures, implantable devices and education for women with reproductive capacity. Employers with particular religious affiliations might qualify for an exemption.

• Aetna PPO 500
• Aetna EPO 90
• Aetna EPO 80
• Aetna Basic PPO
• Aetna MC Zero 90/60 PPO
• Aetna MC $250 90/70 PPO
• Aetna MC $500 90/70 PPO
• Aetna MC $250 80/60 PPO
• Aetna MC $500 80/60 PPO
• Aetna mc $500 80/50 PPO
• Aetna MC $1000 80/50 PPO
• Aetna MC $2000 80/50 PPO
• Aetna HSA 2100
• Aetna HSA 3000
• Aetna PPO 1500
• Aetna PPO 2500
• Aetna PPO 5000
• Aetna PPO HSA 1
• Aetna PPO HSA 2
• Aetna PPO Value 1500
• Aetna PPO Value 2500
• Aetna PPO Value 5000
• Aetna HMO Plan 10-30
• Aetna HMO Plan 20-40
• Aetna HMO Plan 30-40
• Aetna Value HMO Value HMO 25-40
• Aetna Value HMO Value HMO 15-30
• Aetna Value HMO Value HMO 10-20