Have you ever spent a sleepless night worrying about everything that could go wrong? Thoughts can easily intrude on what the future holds. What would you do if you broke your leg and couldn’t work? What will you do if your spouse needs surgery? How will you pay the medical bills if there’s an emergency?
Every California family deserves the peace of mind of a health insurance policy that covers you and helps cover your medical expenses. With the right health insurance policy, you don’t have to worry about the what-ifs of medical costs, injuries, and illnesses.
What will health insurance in California pay for?
What exactly will be covered by your California health insurance policy will depend on the specific policy you choose. Most policies will include:
- Doctors visits
- Medical testing
- Specialized care
- Surgical procedures
All insurance policies are required to cover preventative services, prescription drugs, and maternity and newborn care.
What kind of California health insurance policy should I choose?
Every health insurance policy is different. You can choose a high deductible plan and pay only for the procedures you use. Other policy options include lower deductibles or copayments when seeing a doctor. The type of policy you choose depends on your budget and your medical care needs. Individuals and families who rarely need to visit the doctor may do well with a higher deductible plan. Those who have chronic illnesses or who frequently visit the doctor may want health insurance that allows a co-pay.
Do I have to use the Marketplace website to buy health insurance in California?
Not at all! You can work with PTL Insurance Brokers to view available plans, get your questions answered, and find the best health insurance coverage for you and your family. Instead of using a website that can be confusing or might not be available when you’re ready to make a decision, you’ll get personalized, hands-on help from insurance professionals.
Whether you’re self-employed or your employer doesn’t provide health insurance, you can still find an affordable policy that protects you from the growing expenses of medical care. Contact us today to learn what your options are and for a free quote.