Health Insurance
Good health is the foundation of a fulfilling life, and one of the best ways to protect your health and the health of your family is by securing a reliable health insurance policy from Sac-City Insurance Solutions.
Medical expenses can quickly add up, and without health insurance, you could be left facing substantial bills for years. At Sac-City Insurance Solutions, we can help you find an affordable healthcare plan that meets your needs. Reach out to our friendly agents today to explore your options.
Types of Health Insurance in California
In California, there are several health insurance plan types to choose from, including consumer-directed, fee-for-service, and managed care. These plans help cover a range of medical, surgical, and hospital costs. Some may even include coverage for dental care, mental health services, and prescription medications, depending on the plan you select.
Consumer-Directed
A consumer-directed health plan (also known as “consumer-driven” or “consumer choice”) gives you more control over your healthcare spending. These plans often involve setting up a health fund, which you can use to cover medical expenses as needed.
Fee for Service
A fee-for-service plan is a more traditional approach, where you pay a fee for each healthcare service you receive. This plan offers flexibility in choosing your healthcare provider, allowing you to seek care from a wide range of physicians.
Managed Care
Managed care plans are designed to offer lower out-of-pocket costs in exchange for receiving care from a network of preferred healthcare providers. Popular managed care plans include Health Maintenance Organizations (HMOs), Preferred Provider Organizations (PPOs), and Point-of-Service (POS) plans.
Common Health Insurance Terms
It’s helpful to understand some common health insurance terms when discussing your coverage with an agent. Here are a few key terms to know:
- Deductible: The amount you must pay out-of-pocket for medical services before your insurance coverage starts paying.
- Co-pay: A fixed amount you pay for doctor visits or prescription medications at the time of service.
- Coinsurance: The percentage of medical bills you are responsible for paying after meeting your deductible.
To learn more about health insurance options in Sacramento, contact one of our agents today. We’re here to help you find the right coverage for a healthier, more secure future.