Medical health insurance is vital to a healthy lifestyle. We have made it easy for you to search for the right medical health insurance plan to fit your specific needs and budget. In the United States today there are more than 45 million uninsured individuals. Millions of other’s are either over or underinsured. In the past it was made a bit more difficult to purchase medical insurance. It required a physical application with a wet signature. We have created an online system to allow you to complete and e-sign your application in just minutes. No hassles. 24 hours a day 7 days a week we are here to help you apply for California medical health insurance.

Medical insurance is offered by all major health insurance carriers like Anthem Blue Cross, Blue Shield of California, Aetna, Healthnet, and Kaiser just to name a few. Different plan types have a different premium. The premium is the amount of money your insurance costs on a monthly basis. Medical health insurance provides you with the peace of mind to know that in the event of an emergency or illness in which the cost reaches outrageous amounts that are not feasible to the average person your insurance will pay. Most medical insurance policies have a $5,000,000 lifetime benefit. This means that your insurance policy will pay up to this amount during your lifetime for any medically related treatments.

The Assurance of Medical Health Insurance

Health insurance is designed to insure you health. A health insurance policy simply transfers your financial risk to your insurance company. Below are some of the ways an insurance company shares the majority of risk with:

• A health insurance carrier pays what is called a co-insurance on all of the medical treatments or procedures you have done. Co-insurance is a cost sharing. If your medical plan pays an 80% co-insurance on all hospital services this means that your insurance company will pay 80% of your hospital services and you pay 20%.

• Another assurance to you is that all plans have a maximum-out-pocket amount. All California medical health insurance plans have what is called a maximum out-of-pocket amount. This is the maximum exposure or amount of money you will have to pay in a given calendar year for any medically related services. If your plan has a maximum out-of-pocket of $5000 and your hospital bill reaches $50,000 you will pay no more than $5,000 even though your 20% co-insurance is $10,000. If you reach your maximum out-of-pocket your insurance company pays 100% of all medical services for the remainder of that calendar year.

• Most medical insurance plans cover prescription drugs. Depending on the carrier you may have a single, double tier, or triple tier prescription drug benefit. Single tier covers generic drugs only. Double tier covers generic, and brand name prescription drugs. Triple tier covers generic, brand name, and non-formulary prescription drugs.

Invest in Yourself

At ezHealthInsuranceCA.com we want you to take advantage of what California medical health insurance is available to you.

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Call us at 888-202-9441 or email us at admin@ezhealthinsuranceca.com for a free consultation.

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