Why do I need health insurance?  Having health insurance gives you not only the security, but peace of mind knowing that if you ever need medical treatment you will be covered. Health insurance also prevents medical problems from becoming financial burdens. Furthermore, having medical coverage allows you to see a physician on a regular basis, thereby increasing your overall health and providing you with the ability to diagnose and treat medical ailments before they become potentially serious health risks.

Isn't health insurance expensive?   Health coverage is very inexpensive compared to the costs incurred by medical treatment without insurance. California HealthQuote Insurance Services has a variety of plans designed to meet any situation and budget. A California HealthQuote representative can work with you to determine which type of coverage plan best meets your individual requirements.

How long does the application process take? A California HealthQuote Insurance Services representative can take your information today and have you approved in as little as 24 hours. California HealthQuote works directly with insurance underwriters and utilizes an advanced electronic approval system to speed application approval times. Fill out an Online Quote Request form or call California HealthQuote at (800) 788-4678 to get an application.


Which type of plan is best for me? I hear about HMO, PPO'S, etc. and I don't understand the difference between policy types?  This site clarifies a lot of the confusion associated with medical coverage. Read the policy types below and browse this site for more information. If you still have questions about which type of policy is best for you, please don't hesitate to call California HealthQuote Insurance Services directly at (800) 778-4678.


What are the different medical coverage terms and policy types?  The primary types of Medical Insurance are HMO, PPO, POS, and MSA Plans.

HMO Plans are offered by Health Maintenance Organizations and care is given through an extensive network of participating health care providers. You choose a Primary Care Physician who serves as your main doctor and also refers you to specialists as needed. HMO plans require you to obtain care from physicians whom are already approved in their provider network. Your expenses consist of a Co-payment fee for doctor's visits and to purchase prescription medication.

PPO Plans are a Preferred Provider Organization policies where a network of approved providers offer service discounts at a negotiated rate for members. The fees sometimes include a deductible, anywhere from $250-5,000, and costs for either In-Network (typically 65-90% of negotiated fees) or Out-of-Network (typically ranging from 30-50% of fees) providers. POS Plans (Point of Service) offer features found in both HMO and PPO Plans.

POS policies allow the member to receive care from their Primary Care Physician, another In-Network physician without referral from Primary Care Physician, or any other Out-of-Network physician. If you choose care from your Primary Care Physician, you are responsible for a small Co-payment fee. If you choose a non-referred In-Network provider or an Out-of-Network provider, you are responsible for a Co-payment fee and a deductible fee.

MSA Plans are plans for people who are self-employed or work at small companies (2-50 employees). MSA plans are deductible policies that are linked to a medical savings account. This medical savings account contains pre-tax funds which an MSA member can use to pay their healthcare costs. The deductible on an MSA plan ranges from $1,650 to $2,250 a year for individual subscribers and $3,300 to $4,500 for family subscribers.

Home  |  Health Insurance  | Dental Insurance  | Business Insurance
International Medical & Travel Insurance  | Contact Us