It\’s bad enough that health insurance rates in California keep going up (at an alarming rate in the last 18 months) but now we\’re starting to lose some of our payment options. It\’s really important to make sure your payment means is locked in and consistent since the main reason that most plans are lapsed […]

When you first run your California health quote for individuals and families, it\’s easy to glaze over and just look for the highlights. Of course, premium is high (if not highest) on this list. People also tend to look focus on copays whether for office visits or RX coverage but in order to really make […]

With life insurance, it\’s usually good to start at the beginning and online, that usually points to a definition. We want to go a little deeper than the standard two line Webster\’s definition but the goal is the game…a basic understanding of what term life means. So let\’s get started. We\’re going to assume that […]

It\’s scary enough to go through a major health scare but the billing and claims side can be downright terrifying even if you have Medicare and a Medicare supplement. There can be many pages of detail with codes and descriptions that are foreign to most of us. Let\’s take a look at how Medicare supplement […]

Most people that enroll in Medicare and Medicare supplements will do in a guaranteed issue manner. This means that they will qualify under one of the many reason for guaranteed issue enrollment regardless of their health. Turning 65 with a new Part B or leaving group health insurance are the two most common of these […]

After 18 years of doing something, you start pick up a few tricks…hopefully. Add 12 years of direct online experience and those tricks take on a definite online flavor. If we could give you the most important tips you would need to get the best California health quote for you or your family, what would […]

We\’ve seen an unprecedented number of California health plans being closed in the last few years. Some of this is just the continuation of a natural cycle of plans which we\’ll discuss later while others are brought on by the piecemeal introduction to Health Reform statutes which we\’ll also investigate. Most importantly, we\’ll look at […]

There are many variables that affect how much you will pay for health insurance, some of them rather obvious while others are less though though equally important. One of them has to do with the California health insurance quoting systems and more importantly, the carrier\’s systems in general. Let\’s find out how the age of […]

So much of pre-65 health care involves medical underwriting (for now, anyway). One welcomed benefit to Medicare Medigap is that for most people, it will be guaranteed issue regardless of health as long as you meet certain requirements. Let\’s go over the most common of these to make sure we do not lose these windows […]

First, let\’s save some times for people who are just looking for coverage just for a single person. This benefits of an embedded deductible in certain California health insurance plans will not apply to you. By default, the embedded deductible deals with plans that have multiple family members on on policy. Two is good but […]