Health Insurance is talked about a lot in the United States right now. The rise in costs of health care and health insurance affect everyone. The perceptions of what should and what should not be covered varies widely.
With this being said, Health insurance can be more affordable than you may think.
We have access to the most reputable and well known companies in the industry. We understand how the health insurance companies work and we are very familiar their health plans. It is what we do. We also understand you and your needs, as the consumer, because we are you. We are consumers ourselves.
» Health Insurance Buyers Guide click here » Health Insurance Terms click here
Call Lenzinger Insurance Agency today at 559-440-0742 to help you find The Right Coverage. At The Right Price. With The Right Company!
» How do I pick a health plan?
Whether your employer gives you a choice of plans or you need to purchase your own coverage, it is crucial that you understand your health insurance choices and pick the insurance that is best for you and your family.
Here are some questions you should ask yourself when choosing a health insurance plan:
» How affordable is the cost of care?
What is the monthly premium I will have to pay?
Should I try to insure most of my medical expenses or just the large ones?
What deductibles will I have to pay out-of-pocket before insurance starts to reimburse me?
After I have met my deductible, what percentage of my medical expenses are reimbursed?
How much less am I reimbursed if I use doctors outside the insurance company’s network?
» Does the insurance plan cover the services I am likely to use?
Does the insurance plan cover the services I am likely to use?
Are the doctors, hospitals, laboratories and other medical providers that I use in the insurance company’s network?
If I want to use a doctor outside the network, will the plan permit it?
How easily can I change primary-care physicians if I want to?
Do I need to get permission before I see a medical specialist?
What are the procedures for getting care and being reimbursed in an emergency situation, both at home or out of town?
If I have a preexisting medical condition, will the plan cover it?
If I have a chronic condition such as asthma, cancer, AIDS or alcoholism, how will the plan treat it?
Are the prescription medicines that I use covered by the plan?
Does the plan reimburse alternative medical therapies such as acupuncture or chiropractic treatment?
Does the plan cover the costs of delivering a baby?
» How do I pick a health plan?
Whether your employer gives you a choice of plans or you need to purchase your own coverage, it is crucial that you understand your health insurance choices and pick the insurance that is best for you and your family.
Here are some questions you should ask yourself when choosing a health insurance plan:
» How affordable is the cost of care?
What is the monthly premium I will have to pay?
Should I try to insure most of my medical expenses or just the large ones?
What deductibles will I have to pay out-of-pocket before insurance starts to reimburse me?
After I have met my deductible, what percentage of my medical expenses are reimbursed?
How much less am I reimbursed if I use doctors outside the insurance company’s network?
» Does the insurance plan cover the services I am likely to use?
Does the insurance plan cover the services I am likely to use?
Are the doctors, hospitals, laboratories and other medical providers that I use in the insurance company’s network?
If I want to use a doctor outside the network, will the plan permit it?
How easily can I change primary-care physicians if I want to?
Do I need to get permission before I see a medical specialist?
What are the procedures for getting care and being reimbursed in an emergency situation, both at home or out of town?
If I have a preexisting medical condition, will the plan cover it?
If I have a chronic condition such as asthma, cancer, AIDS or alcoholism, how will the plan treat it?
Are the prescription medicines that I use covered by the plan?
Does the plan reimburse alternative medical therapies such as acupuncture or chiropractic treatment?
Does the plan cover the costs of delivering a baby?
Lenzinger Insurance Agency works with the most reputable and well known Health Insurance companies: Aetna, Anthem Blue Cross, Blue Shield, HealthNet, Humana, Kaiser Permanente, PacifiCare and more.
Let Lenzinger Insurance Agency answer your questions on Health Insurance and provide you with a proposal that will fit your budget and specific needs.
Here is quick Eligibility and Benefits Chart for your convenience:
Eligibility for Small Group
Benefits
1
2-50 eligible people(W2, partners, sole proprietors, corporate officers...not 1099); can choose to include part-time or not.
1
Plans are guaranteed issue...regardless of health. Premiums by employer are 100% tax deductible.
2
75% of eligible people must go with the plan.
2
Employers can pay as little as 50% of the employees premium.
3
Employer must pay at least 50% of employees premium.
3
Can offer choice. The employer can offer one or many plans to the employees.
Group Health Insurance can be a lot more inexpensive than one might think.
Here are some added benefits to providing Health Insurance to your employees:
Increased Employee Loyalty
Fewer sick days taken
Better Employee Health
Higher productivity due to fewer sick days taken and improved employee health
Fewer sick days taken due to employee dependent illnesses
Call Lenzinger Insurance Agency today at 559-440-0742 to help you find The Right Coverage. At The Right Price. With The Right Company!
