California Family Health Insurance

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California Family Health Insurance
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Many California families are still uninsured. It is critical to have an affordable family health insurance plan when it comes to your family. Family health insurance is intended to protect you and your loved ones from the high costs associated with medical emergencies.

Many medical procedures are now priced in the thousands of dollars. Instead of taking the risk of not having health insurance, why not take the time to learn about your options and find a plan that fits your budget?

Plans for Low-Cost Family Health Insurance in California

California family health insurance is less expensive than most people believe. Managed care plans are the most popular type of low-cost family health insurance in California. These plans provide you with access to a network of hospitals, doctors, clinics, and specialists who offer low-cost medical services.
This means less expensive insurance as well as lower premiums, coinsurance, and copayments for you.

In California, the two most common types of managed care plans are:

PPOs (Preferred Provider Organization): PPO plans offer a variety of medical coverage options. You and your family will be assigned a primary care physician, but you will be able to see any specialist you desire without a referral. However, going to an in-network doctor will save you more money than going to an out-of-network doctor.

HMOs (Health Maintenance Organizations): With an HMO plan, you select a primary care physician who will be your go-to doctor whenever you require medical attention. If you or a member of your family requires specialized care, your primary care physician will refer you to a specialist.

In HMO plans, copayments can be as low as $10. The only disadvantage of HMO plans is that you can only see doctors in your network because other services are not covered outside of the network.

What is the monthly cost of a family plan?

Naturally, you want to know how much a family health plan will cost you each month, and you can get free and instant California health insurance quotes for your family online. Several factors will influence how much you pay each month, including:

  • Your family’s earnings
  • The number of people living in your home
  • The number of people who have enrolled in the family health plan
  • Each family member’s age
  • ZIP code of the health plan you select

With the bronze plan, you’ll pay low monthly premiums while receiving 60% coverage for most medical services, including checkups and preventative care. The silver plan has average monthly payments while providing 70% coverage for basic care and more.

The gold plan has low monthly payments and provides 80 percent coverage with reasonable copays and no deductibles. The platinum plan requires higher payments while providing 90 percent coverage for routine visits, emergencies, and preventative care with a $0 deductible.

In addition, depending on your household income, and if you are not offered insurance through your employer or your spouse’s employer, you may be eligible for tax credits, Medi-Cal, C-CHIP, or MCAP. Review the Covered California Income Limits for more information on whether you qualify for subsidies and government assistance.

Choosing the Best Family Health Insurance Policy

We are here to help you find the best family health insurance plans in California now that you are more knowledgeable about them. Our online services will provide you with free, instant quotes from the most reputable insurance providers.

Please take a few moments to complete our secure form. You are not required to provide any contact information, and you are under no obligation to purchase. Use our free, instant quotes to find the family health insurance you’re looking for today.

 

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