California - Affordable - Health Insurance Quotes We offer California Health Insurance Plans that include Doctor Visits, Hospitalization, Prescription Drugs, Long Term Care, Major Medical, Dental, Vision Care, Medicare Supplements, Business Insurance. Online Insurance Quotes for Family Health Insurance, Life Insurance and California Group Health Plans Visit My Google Local Listing Page
Authorized Independent Agent
"My name is Diane Le Montre, License # 0D18343, your California Health Insurance Specialist with more than 25 years experience. Let me guide you through the maze of obtaining proper coverage." Do we have the best prices? YES! Can you buy these health plans cheaper anywhere else?? NO
Having had many years experience working for insurance companies as a medical claims examiner and auditor, you can rely on my knowledge and expertise as a professional who has worked both sides of the street.
Therefore, if you already have a health insurance plan in effect, but are having claims problems that you are unable to resolve, I can also offer my services as a health insurance claims specialist at an hourly fee dependent upon the services required.
So don't be just another claim number, be a client!
Should you have any questions, please call 760-636-5588
Looking for COBRA Alternatives?
Are you struggling to find good health insurance coverage for you and your family? Running your own business or working for a company that doesn't offer health insurance? Perhaps you've been laid off. Believe it or not, you may have more options available to you than just COBRA.
Aetna Insurance for example, offers a wide range of health insurance plans and services for
California Medical Insurance There are many California health insurance plans and coverage options available. You might have insurance through an employer or you might buy your individual California Health Insurance from Aetna, Anthem Blue Cross, Blue Shield California, Health Net, PacifiCare or Kaiser through CA Health Insurance Agent . com. Either way, knowing the basics will help you to get the most out of your health insurance coverage. Affordable Health Insurance and Products for Individuals and Groups in California
Whether you are a recent graduate, lost your job and paying too much for Cobra, an early retiree — or perhaps you are just new to buying insurance on your own — we can help.Aetna Insurance, and others offer many affordable plans for individuals. Our Individual health insurance forCalifornia families and the self-employedare designed to make it easy for you to find and choose the coverage that's right for you and your family.
Self Employed Health Insurance, Dental Health Insurance, Catastrophic Health Insurance and even Short Term Health Insurance are all readily available
Let us provide you with a Free no obligation California Health Insurance Quote today!
"We offer the BEST Affordable health insurance plans available from Anthem Blue Cross, Aetna, Blue Shield California, Health Net, PacifiCare and Kaiser Permanente of CA." Please call Diane at 760-636-5588 with any questions.
Or Click on the Health Insurance company logo of your choice for an Instant Online Quote and Apply Directly into their Underwriting Departments for the Quickest consideration for Approval. Get Individual & Group Health Coverage Quotes from these Major California Health Care Companies." Applying Online Here Cuts Processing Time In Half !
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Authorized Broker for Kaiser Permanente of CA
Kaiser Permanente California Health Insurance. Affordable individual and group medical health insurance plans. Choice of benefits, co-payments and deductibles to fit your budget and health insurance needs. Quality care with no deductible for office visits, brand name and generic drug coverage and no claim forms.
Authorized Broker for CIGNA Health Plans
Call me for plan details and an application form. 760-636-5588
Applications may be mailed to: Diane Le Montre P.O. Box 1102 Rancho Mirage, CA 92270
Aetna Insurance Committed to building a better health care system for America. That means getting everyone covered, improving the quality of care and getting better value for every dollar spent on health care.
Health insurance premiums are filed with and regulated by the California Department of Insurance. Whether you order through CAHealthInsuranceAgent.com or any other agent, you'll pay exactly the same monthly premium for the same plan. This means that you can enjoy the advantages and convenience of online ordering by purchasing your health insurance plan via CAHealthInsuranceAgent.com along with the availability of personalized service and rest assured that you're getting the best available price.
"My 25 years experience, approving health insurance claims on behalf of several major health insurance companies, working for third party administrators handling the insurance needs for the employees of many large corporations and as a health insurance advocate for individuals is at your service."
"I represent only the finest, most dependable companies in the business. You can reach them directly from this site by clicking on their logo. You will reach my site link with them and if you know the plan you require it can be applied for directly into their underwriting department and I will be your agent of record to contact should issues arise."
"My goal is to help our California clients, individuals, families and small business people obtain the very best coverage at the lowest possible prices. We know from experience working for major insurance companies and individuals acting as personal “Health Insurance Advocates” exactly how critical responsible coverage is. The cheapest is not always the best and we will explain to you in clear terms exactly why. We only represent the major California health care plans of companies who have contracted with the very best doctors and hospitals."
Premier Plus, from Anthem Blue Cross Life and Health Insurance Company, is a great choice for families or individuals looking for robust benefits with both routine and unexpected medical care.
Premier Plus offers many benefits before the deductible and richer coverage as well for preventive care and prescription drugs. The lowest levels of coinsurance across all deductibles gives Premier Plus added value over other plans we offer.
Features:
• Unlimited doctor office visits with predictable copays, before the deductible.
• A broad range of preventive benefits including an Annual Physical Exam to focus on keeping you healthy. You pay 0% with no deductible.
• Annual routine eye exam.
• Unlimited lifetime benefits.
• Prescription Drug Coverage
The cost of prescription drugs can be overwhelming so Premier Plus includes prescription drug coverage to help you manage those costs. Premier Plus prescription drug coverage includes the following tiers which represent a cost level within the generic and brand name prescription drug categories.
• Tier 1: These drugs have the lowest copay and include generic medications.
• Tier 2: These drugs have a higher copay than those in Tier 1 and include formulary brand name medications.
• Tier 3: These drugs have a higher copay than those in Tier 2 and include non-formulary brand name medications.
• Specialty: These are typically high-cost, scientifically engineered drugs and are paid at a coinsurance level instead of copay.
How to Customize your Premier Plus Plan
With Premier, you have some choice and flexibility to change the plan to better meet your needs. Premier offers a choice of:
Deductible: Premier plan deductibles range from $1,000 to $6,000. You can usually lower your premium by choosing a higher deductible. Simply choose the deductible and premium combination that works best for you.
Other Optional Coverage: You can add more protection for you and your family by purchasing optional dental or life insurance. See the following pages for details.
Premier Preventive Care Preventive care is an important component of Premier plan coverage. An annual physical exam and certain preventive screenings are covered, before your deductible, once you've been on the plan for six months. See the following Benefit Guide for more details. You also have immediate access to a HealthyCheckSM Center for annual preventive screenings without first needing to meet your deductible.
You should know:
• Premier Plus offers one of our highest levels of benefits, so the premiums are typically more than our other plans.
• Maternity benefits are not included with this plan.
A more economical plan to consider Smart health coverage with sensible savings.
If you want reliable, essential protection at some of our lowest monthly rates, SmartSense could be the health plan you’re looking for. What makes SmartSense so smart is how it balances solid health coverage with opportunities to save money, including:
A wide range of annual deductible/monthly rate combinations. Just choose the one that fits your budget.
Lower rates on services when you use our network of more than 50,000 doctors and 400 hospitals. This means your share of medical costs will be lower, too.
Immediate benefits for your first three in-network doctor visits. You’ll just have copays with no deductible to meet. A choice of prescription drug benefits (brand-name and generic drugs, or (generics only). This helps keep your out-of-pocket prescription costs to a minimum.
Health and wellness programs. The healthier you are, the more you’ll save on health care.
Out-of-state coverage. This protects you from the high cost of unexpected emergencies when you travel.
Applying Here Online is simple and provides maximum flexibility. You may begin the application and save it at any point in the process and return later to complete it. Once you have completed your application you can come back and check on its status at anytime.
SmartSense benefits at-a-glance These amounts show your share of costs after deductibles, if any.
Plan Benefit In-Network Receive negotiated savings by using contracing providers
Unlimited Lifetime Benefits per member Annual Deductible Choices (not combined for in and out-of-network) Single member: $1,000/$2,000/$3,500/$6,000 Family maximum deductible: $2,000/$4,000/$7,000/$12,000
Doctors’ Office Visits $30 copay for first three visits 3 per member per year (deductible waived); after three visits and once deductible is met, then 30% of negotiated fee
Professional Services (x-ray, lab, anesthesia, surgeon, etc.) 30% of negotiated fee
Hospital Inpatient (overnight hospital stays) 30% of negotiated fee
Hospital Outpatient (if you don’t stay overnight) 30% of negotiated fee
Emergency Room Services 30% of negotiated fee
Maternity Not covered
Preventive Care Annual physical exam You pay 0% with no deductible.
Routine mammogram, Pap and PSA tests You pay 0% with no deductible.
Well Baby and Well Child You pay 0% with no deductible
Ambulance 30% of negotiated fee
Prescription Drug Coverage Options In-Network Receive negotiated savings
Out-of-network Pay higher costs
SmartSense with Generic Prescription Drug CoverageGeneric (drugs on Generic Rx formulary only) Generic: $15 copay (or 40%, whichever is greater)
Generic: $15 copay (or 40%, whichever is greater)
SmartSense Comprehensive Upgraded Prescription Drug Coverage Available (See Upgraded Anthem Blue Cross Formulary Drug Plan)
This dental network provides participants with discounts of 15% to 50%* on dental procedures at over 66,000** available dental practice locations nationwide. Participants simply present their ID card for immediate savings at the time services are rendered.
• Availability: Nationwide • Dentists: 93,000 • Individual Plan: $104.95 per Year • Family Plan: $159.95 per Year
The Preferred Network Access by CIGNA (Dental Only) discount dental plan allows you access to discounts on dental care at over 93,000 participating provider listings nationwide. Members may visit any participating dentist or specialist and receive immediate savings.
Discount plans are discount programs, and are not health insurance policies. Discount plans are designed to provide consumers access to dental networks at reduced rates. Consumers pay a membership fee in exchange for negotiated discounts on most dental services within the participating network of providers and are responsible to pay for all dental care service fees.
An Orthodonic Discount Program through "Ortho Care" is available if a family member needs braces: Individual Plan: $84.95, Familiy Plan: $109.95
We also quote Life Insurance, Dental Insurance, Short Term Health Insurance, Group Health Insurance and Long Term Care
“My knowledge and service is not an added cost to you in any way” YOUR HEALTH IS UNPREDICTABLE! DON’T END UP IN COUNTY HOSPITAL!
Lack of Insurance Coverage Can Be Hazardous to your financial future.
Apply For Your Health Care Plan RIGHT HERE TODAY!
Click Below to Reach Our Primary Carriers:
“Not having health insurance coverage can wipe out your bank and savings accounts while leaving you with nothing but bills to pay”
Apply for your Anthem Blue Cross health care plan, Blue Shield, HealthNet of California, PacifiCare or Aetna health insurance policy online right here. When doing so you are reaching directly into their “Underwriting Department.” From THIS site you may obtain the most rapid approval possible.
Plan Types
There are several different types of managed-care health insurance plans. These include HMO, PPO, POS & HSA plans. Managed-care plans typically make use of healthcare provider networks. Healthcare providers within a network agree to perform services for managed-care plan patients at pre-negotiated rates and will usually submit the claim to the insurance company for you. In general, you'll have less paperwork and lower out-of-pocket costs with a managed care health insurance plan and a broader choice of healthcare providers with an indemnity plan.
What is a PPO plan?
As a member of a PPO (Preferred Provider Organization) plan, you'll be encouraged to use the insurance company's network of preferred doctors and hospitals. These healthcare providers have been contracted to provide services to the health insurance plan's members at a discounted rate. Typically you won't be required to pick a primary care physician but will be able to see doctors and specialists within the network at your own discretion. You will probably have an annual deductible to pay before the insurance company starts covering your medical bills. You may also have a co-payment for certain services or be required to cover a certain percentage of the total charges for your medical bills. With a PPO plan, services rendered by an out-of-network physician are usually covered at a lower percentage than services rendered by a network physician. What is an HMO plan?
What is an HMO plan?
Though there are many variations, HMO (Health Maintenance Organizations) plans as a rule enable members to have lower out-of-pocket healthcare expenses but also offer less flexibility in the choice of physicians or hospital than other health insurance plans. As a member of an HMO, you'll be required to choose a primary care physician (PCP). Your PCP will take care of most of your healthcare needs. Before you can see a specialist, you'll need to obtain a referral from your PCP. With an HMO you'll likely have coverage for a broader range of preventive healthcare services than you would through another type of plan. You may not be required to pay a deductible before coverage starts and your co-payments will likely be minimal. With an HMO plan, you usually won't have to submit any of your own claims to the insurance company. However, keep in mind that you'll likely have no coverage whatsoever for services rendered by non-network providers or for services rendered without a proper referral from your PCP.
What is a POS plan?
A POS (Point of Service) plan combines some of the features offered by HMO and PPO plans. As with an HMO, members of a POS plan are required to choose a primary care physician (PCP) from the plan's network of providers. Services rendered by your PCP are most often not subject to a deductible. Also, like HMOs, POS plans typically offer coverage for preventive care visits. Typically, however, you will only receive a higher level of coverage for services rendered or referred by your PCP. Services rendered by a non-network provider may be subject to a deductible and will likely be covered at a lower level. If services are rendered outside of the network, you'll likely have to pay up-front and submit a claim to the insurance company yourself.
What is an HSA?
Legislation establishing Health Savings Accounts (or "HSAs") took effect on January 1, 2004. HSAs and HSA-eligible health insurance plans are becoming more and more popular. Here are the basics: ? An HSA is a tax-favored savings account that may be used in conjunction with an HSA-eligible high deductible health insurance plan to pay for qualifying medical expenses. ? Choosing an HSA-eligible health insurance plan may help you save money. As a rule, the monthly premium on an HSA-eligible high deductible plan is less expensive than the monthly premium for a lower-deductible health insurance plan. ? Contributions to an HSA may be made pre-tax, up to certain annual limits. ? Funds in the HSA may be invested at your discretion. Unused funds remain in the account and accrue interest year-to-year, tax-free. Not all high-deductible plans are eligible for use in conjunction with an HSA.
What is an Indemnity plan?
A traditional Indemnity plan offers a great deal of freedom in choosing which doctors and hospitals to use, but will probably involve higher out-of-pocket costs and more paperwork. Under an Indemnity plan, you may see whatever doctors or specialists you like, with no referrals required. Though you may choose to get the majority of your basic care from a single doctor, your insurance company will not require you to choose a primary care physician. However, this kind of freedom will cost you. You'll likely be required to pay an annual deductible before the insurance company begins to pay on your claims. Once your deductible has been met, the insurance company will typically pay your claims at a set percentage of the "usual, customary and reasonable (UCR) rate" for the service. The UCR rate is the amount that healthcare providers in your area typically charge for any given service. An Indemnity plan may also require that you pay up front for services and then submit a claim to the insurance company for reimbursement.
When will my coverage start?
You can request that your Individual and Family health insurance plan start anytime between 1 and 90 days in the future. However, the insurance companies will typically need some time to process your application so keep in mind that the actual date for the start of your coverage may vary depending on the underwriting process and the availability of your medical records.
Will using this service cost me anything?
All the services offered by CaliforniaHealthInsuranceAgent.com are provided at no extra cost to you, the consumer. If you buy a health insurance plan via CAHealthInsuranceAgent.com, you'll pay the regular monthly premium to the health insurance company you chose, but you'll pay nothing to us. Our fees are paid by the insurance companies in the form of commissions, which are built into the premium amount.
Do you have the best prices?
Health insurance premiums are filed with and regulated by the California Department of Insurance. Whether you order through CAHealthInsuranceAgent.com or another local agent, you'll pay the same monthly premium for the same plan. This means that you can enjoy the advantages and convenience of online ordering by purchasing your health insurance plan via CAHealthInsuranceAgent.com along with the availability of personalized service and rest assured that you're getting the best available price.
A wide range of annual deductible/monthly rate combinations. Just choose the one that fits your budget. 
