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Family Health Insurance in Chico, CA

The agents at Brines Insurance specialize in helping families in the Chico, California area find Affordable Health Insurance plans that meet their family’s medical needs while fitting within their budget.

Our staff is knowledgeable and friendly.  Our familiarity with all the major Health Insurance companies like Anthem Blue Cross, Blue Shield, Kaiser, HealthNet and others means we can find the absolute best health plan that suits your coverage needs at a price you can afford.  In fact, we’ll take the extra time to explain the coverage and benefits in clear terms you can understand.

If you’re looking for health insurance coverage for just yourself, be sure to view our Individual Health Insurance page instead!

Family Medical Insurance Plans

Family Health Insurance or Medical Insurance provides coverage for medical, hospital and prescription drug costs. Medical expenses usually come unexpectedly and can be very expensive.

Did You Know?  Health Care Bills are the number one cause for bankruptcy!

Having a good Health Insurance Plan for your family can protect you from financial catastrophe while providing your loved ones access to quality doctors, hospitals, and prescription drugs coverage when you need it the most.

What does a Family Health Insurance Plan cover?

Family Health Insurance Plans have grown in scope over the last several decades thanks to increased competition in the market place and recently, the arrival of the Affordable Care Act (also known as ObamaCare).  The variety of family health coverage available now are very rich in benefits and cover just about every medical issue except elective procedures.

In many instances, families will want to review Dental Insurance Coverage foptions, as a complementary plan to fully cover your family’s health needs.  Our Dental Insurance Quote Machine can help you see the additional costs associated with dental coverage.

What are the costs other than my monthly premium?

All Health Insurance plans have features that are designed to help keep the costs of health insurance down and help us be better consumers in the healthcare marketplace. Here are some of the “cost-sharing” features that are associated with most health insurance plans that you and your family should be aware of:

  • Deductible – the dollar amount an insured has to pay toward medical costs before their insurance coverage starts paying for medical costs. Deductibles can range in from $500 to $5000.
  • Coinsurance –a stated percentage of medical expenses the insured pays after the deductible is met. Coinsurance has a cap dollar amount.
  • Copayment – the set dollar amount an insured pays for specific covered benefits. Doctor Office visits and Prescription Drugs are the main examples of benefits we usually pay a copayment for.
  • Maximum Out of Pocket (MOOP) – The maximum out of pocket amount is the maximum amount of money that an insured would have to pay toward covered medical costs in a given policy year. This amount is usually the accumulative of the Deductible and the Coinsurance. In some cases the insured would continue to pay copayments even after the MOOP has been met.

How does my family get the best health coverage?

Although many families in this country get health insurance  coverage from their place of employment, many Americans buy Family Health Insurance Plans on their own, either with the help of a local insurance agent, or by dealing directly with an insurance company.

Should I use an insurance agent?

Buying through a local insurance agent offers many advantages to the consumer since most insurance agents represent a wide variety of insurance companies and are thus free to give unbiased suggestions about the coverage and plans available to your family. An insurance agent is also a resource for information and can be a big help when you have to file a claim or have questions about the extent of your medical coverage.

Give Brines Insurance Services friendly and knowledgeable staff a call, and they’ll help you find the right health plan for your family’s needs and budget.