Health Insurance

Health Insurance is on everybody’s minds these days! Some employees are being asked to pay a larger share of their Group Health Insurance plans, and smaller businesses continue to shop around for individual insurance for themselves or Group Health Insurance plans for their employees.

Issues of ever-increasing costs of medicine and medical procedures are in the news. These may or many not have been addressed adequately for many people, depending where they obtain their insurance–through PPOs and other insurance carriers, or through Covered California, the state exchange established through the Affordable Care Act.

There’s lots of information to sift through, but that doesn’t change the fact that everyone needs Health Insurance!

For young people, who are generally healthy, and would rather spend their resources on other things, not carrying Health Insurance can seem like a risk they can take. But, if they don’t have Health Insurance and ever have a serious health issue, the cost of treatment for that can put them into years of debt and financial hardship.

Whatever your age, if you are not currently covered by a government or company program, we can help protect you against a financial calamity that a serious healthcare issue would cause in your life. Here are plans available to you.

• Group Health Plans
  The least expensive form of Health Insurance is generally obtained through your place of employment. If you work part-time or work for a very small business, this may not be an option. We help businesses set up Group Health Plans, so if you are a business owner or an employee, let us help you sort through your options.
• Catastrophic Protection Plans
  “Catastrophic” protection policies are reasonably affordable, and they put a cap on your loss exposure. If you have a family, it is a parental responsibility to make certain your children are protected in some way–through the government if you can’t afford or obtain insurance due to health reasons, or through a health insurance broker, like Trowbridge Insurance.
• Insurance Through The Affordable Care Act
  This insurance has made health insurance more affordable for millions of people who couldn’t get insurance because of pre-existing conditions, or who had no insurance because they couldn’t afford the coverage they should have had. While enrollment with the state exchange, Covered California, is online, we can help you with the enrollment process–to sort through the options so you can make good decisions about the plan that might fit you best.

• We work with all major carriers, including Covered California.
• Online quoting and applications for Health Insurance.
• Personal attention and service.
• Travel Health Insurance.

You always need to buy insurance BEFORE you need it! With Health Insurance it will be too late if you don’t! Please contact us if you have questions or concerns about Health Care Insurance. We’d like to help you.