California Health Insurance
Your Health & Future
If you’re one of the nearly 46 million people living in the United States without health insurance, you are gambling with your health, your future and the future of your family every day.
Unexpected medical bills can have a devastating impact on your life. Even minor hospital visits and checkups can set you back significantly, sap your savings or force you to run up your credit cards.
Besides your finances, not having health insurance can negatively affect your life in other ways. If you don’t have insurance and money is tight, you will putt off seeing the doctor for routine screenings and checkups. These preventive steps have been proven to help you avoid serious medical problems or catch them before it’s too late.
There is no way to predict what your medical bills will be. But if you have health insurance, you will have the peace of mind of knowing that you are protected from most of these costs. If you wait until you or a family member becomes seriously ill to try to purchase health insurance, you may not be able to at rates you can afford.
Health insurance is the most important type of insurance you can carry. Having it protects you and your family financially in the event of an unexpected serious illness or injury. Don’t wait another minute to get your coverage!
California Individual Health Insurance Plans
Until recently, most people got their health insurance from their employer. But now, more and more people are finding themselves in work situations where they don’t get those benefits.
If you are looking to buy health insurance in California through an individual or family insurance plan, then you have a lot of options available to you. Here is a small sample:
HMO plans - An HMO, Health Maintenance Organization, is a specific type of health care plan that sets out guidelines under which doctors can operate. On average, health care coverage through the use of an HMO costs less than comparable traditional health insurance.
Major Medical - Provides benefits for most types of medical expenses that may be incurred. Offering more complete coverage with fewer gaps, major medical insurance covers a much broader range of medical expenses – including those incurred both in and out of the hospital – with generally higher individual benefits and policy maximum limits.
Surgical policies – Most health insurance plans sold today are major medical plans but there are a few hospital and surgical health insurance plans on the market. Surgical health plans often aren't as comprehensive as major medical plans, but are typically less expensive.
Dread Disease Policies - Often called “cancer policies,” dread disease policies cover one or more dread disease: cancer, heart disease, or other major malady.
Hospital indemnity - A hospital indemnity plan provides a daily benefit for each day you are hospitalized -- and this is paid without regard to the hospital expenses incurred. This daily amount is paid to you and the benefit is triggered simply by confinement as an inpatient.
Private health insurance plans can be very affordable and tailor-made for your unique needs. But how do you know you’re getting the right amount of coverage or have the right plan?
Here at WHINS Insurance Agency, we get to know you and your needs so we can recommend the right insurance policy for you. We are an independent agency offering real time health insurance quotes and online applications from multiple health insurance companies. You can compare options and then apply online from the convenience of your own home or office.
WHINS Insurance Agency
Since 1959, WHINS Insurance Agency has been a leading California-based insurance advisor for individuals, families, and small businesses. We have earned the respect of our clients by providing them the best possible service, helping them find the perfect policies and saving them money while we do it.
So what are you waiting for?
If you’re looking to buy health insurance in California, enter your zip at the top of the page to get a free, no-obligation quote today.