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Individual Health Insurance

Brines Insurance specializes in and focuses on helping individuals in California find Affordable Health Insurance plans that fit their medical needs as well as their budget.Individual Health Insurance Chico CA

Our knowledgeable and friendly staff will shop all of the major Health Insurance companies for you including Anthem Blue Cross, Blue Shield, Kaiser, HealthNet and more. We will help you zero in on the plan the best suits your needs and your budget and explain the coverage and benefits in terms you can understand.

If you’re looking for coverage for you and your loved ones, be sure to view our Family Health Insurance page instead!

Individual Insurance Plans Chico CA

Individual Health Insurance or Medical Insurance is a type of insurance that covers medical, hospital and prescriptions drug costs. Medical expenses usually come unexpectedly and can be very expensive.

Did You Know?  Medical bills are one of the major reasons for bankruptcy!

Having a good Individual Health Insurance plan can protect you from financial trouble while providing you with access to quality doctors, hospitals, and prescription drugs coverage when you need it most.

What does Individual Health Insurance cover?

With the progress of health insurance plans over the last several decades, competition in the market place and the arrival of the Affordable Care Act, also known as ObamaCare, current plans are very rich in benefits and cover just about every medical issue except elective procedures.

In some instances, individuals will want to consider Dental Insurance as a supplemental plan to comprehensively cover your health needs.  Our Dental Insurance Quote Machine can help you see the additional costs this might necessitate.

Do I have to pay anything other than my monthly premium?

Health Insurance plans have “cost-sharing” features that help keep the costs of health insurance down and help us be better consumers. Here are some of the cost-sharing features that are on most health insurance plans that you should be aware of:

  • Deductible – A Deductible is a dollar amount an insured has to pay toward medical costs before the insurance company starts paying for medical costs. Deductibles can range in from $500 to $5000.
  • Copayment – Copayment is a set dollar amount the insured pays for specific covered benefits. Doctor Office visits and Prescription Drugs are the main examples of benefits we usually pay a copayment for.
  • Coinsurance – Coinsurance is a stated percentage of medical expenses the insured pays after the deductible is met. Coinsurance has a cap dollar amount. For example, a policy may have a coinsurance of 25% with a cap of $3500. This means that the insured would pay 25% of covered medical costs (the insurance company would pay 75% of the medical costs) until the insured pays a maximum of $3500. After the cap has been met by the insured, the company usually pays 100% of covered medical costs.
  • 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.

Where to get the best health coverage?

Although many individuals in this country get health insurance from their place of employment, which is called Group Health Insurance, many Americans buy Individual Health Insurance Plans Chico CA on their own, either with the help of a local insurance agent, or by buying directly from an insurance company.

Should I use an insurance agent?

Buying through a local insurance agent can be a great option as most insurance agents represent many insurance companies and can give unbiased suggestions and analysis of the plan options available. An insurance agent is also a resource for information and help when you have to file a claim or have a question about the scope 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 needs and your budget.

Dental Insurance

Dental Care is probably one of the most over looked products in the health insurance industry. Good, regular Dental care can be a critical part in maintaining, not only a great smile, but overall good health and by early detection of many forms of cancer and heart disease.

The annual cost of Dental Insurance is usually around what it costs for annual teeth cleanings and x-rays, but will provide you with much more.

Give Brines Insurance Services a call today to find out how little Dental Insurance would be for you and your family.

If you need a quote on Dental Insurance please Click Here!