Question 1

Are individual and family health insurance plans available in California?

Accepted Answer

If you are a single, couple or family living in Orange County or anywhere in California, you are able to purchase insurance plans from CIF Insurance Agency. Due to the Affordable Care Act (ACA), there is no longer health underwriting. However, you must enroll in the calendar year open enrollment, which is October through December 15th, with an effective date of January 1st. If you have lost coverage through a company’s plan or moved to California you may qualify for a special enrollment period. There are several criteria’s for a SEP. We can review them with you as needed.

Question 2

What type plans are available in California and which carriers sell these plans?

Accepted Answer

Blue Cross, Blue Shield, Kaiser, HealthNet, Molina and Oscar are the leading carriers in California. Most offer both HMO and PPO choices. Also, if you are between jobs you may want to consider short-term health insurance. These “bridge” plans can last for up to six months and are less expensive and more basic in coverage. We are also a COVERED CALIFORNIA STOREFRONT!

Question 3

What should I know when purchasing a health insurance plan?

Accepted Answer

Health Insurance Plans in California are month to month. You are not able to change plans, during the year, depending on your health status. Thus, it is very important to discuss your health care needs with one of our agents so you select the right plan for the upcoming year. Types of plans to choose from include: HSA plans, basic & catastrophic and plans that offer a few doctor visits per year as well as comprehensive plans that have no deductible and low co-payments. All plans in fall in to (4) Metal Tiers: Bronze, Silver, Gold and Platinum. This allows the consumer the flexibility and choice to find a plan that best meets their expectations and budgets.

Question 4

Do I pay commissions or a fee for your services?

Accepted Answer

No-we have a wholesale relationship with all the major insurance carriers and you do not pay any commissions or fees for purchasing a plan through my agency. We are also a Covered California “Store-Front”. Walk-in’s are welcome.

Question 5

Can the insurance carrier increase my initial price of the plan due to my health history?

Accepted Answer

No, being that medical underwriting has gone away, carriers may no longer increase or decrease your premium if you are healthy or have pre-existing conditions. Rates are only based on age and the county you live in.

Question 6

Can my policy/premiums be cancelled or increased based on claims?

Accepted Answer

No-once approved you can never be dropped based on any health claims and your rates will also not be increased based on plan usage/claims.

Question 7

What type of Health Plans can I purchase?

Accepted Answer

Our insurance products include health insurance, life insurance, Medigap & Medicare supplement insurance, medical plans and long term care insurance for business groups, families, individuals, seniors aging into Medicare and consumers who are looking for guidance selecting California insurance exchange health plans. Beginning with the initial policy to filling out forms, making claims, administrative needs as well as simple questions and requests for help, we provide top-notch service and ensure that our clients never need to contact the insurance carrier ever again. Located in Huntington Beach and serving all of Orange County, CA

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