Often we hear from individuals that think that they are receiving "deep discounts" when it comes to buying health insurance through their association. The fact is "you don't". A small business owner could buy the identical plan on the street and usually for less money.
The truth of the matter is that the plan allows "access to coverage". Sick people can get health insurance for a very high premium and healthy people subsidize these costs by paying higher rates. Many people "assume" that they are receiving something special.
For you old timers - remember just a few short years ago Blue Shield was the insurance carrier of choice before they dropped the association? Why do you think this happened? It's called a polluted "pool". Lot's of unhealthy people and fewer and fewer healthy people enroll each year.
If you are relatively healthy or have moderate pre-existing medical conditions you can likely find health insurance on your own for less money. If you are not planning on having children, why pay for a plan with maternity benefits? Why not design a plan with the features that are most important to you? HMO, PPO, Health Savings Account, High Deductible, Low Deductible, Maternity, Dental, Generic or name brand RX.
Our company is the competition with over 62,000 association members and their families finding affordable health insurance online using our free shopping service. At http://www.quotebroker.com you are able to instantly shop all major California, Arizona, Nevada and Texas health insurance companies and compare their rates and benefits, keeping in mind what is most important to you, your family or business. It takes less than 5 minutes to sort, compare plans and premiums from Aetna, Anthem Blue Cross, Blue Shield, Cigna, Delta Dental, Health Net, Kaiser, PacifiCare, United Healthcare and more fine companies. With over 200 plan selections there is always a plan that can be located and suitable for your needs.
Of course if you need help, health insurance specialists are available to take your call. If you have any questions as to your insurability, you can apply online and see what type of coverage and rates are available. If you do this soon, if you don't qualify you can still enroll in the association's high priced guaranteed issue plan. For small business owners - you only need "2" people to qualify for a California guaranteed issue medical plan. Please call us for more details. (800) 783-0802. If you prefer to have an expert design a plan for you, simply fill out this quote request form.
"The above comments represent my personal opinions" Quotebroker Insurance Services providing affordable healthcare solutions since 1985.
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