Individual and Family Health Insurance does NOT have to cost you a fortune! There are many plans out there that are affordable and very comprehensive. When you look online, the Anthem Blue Cross CLEAR PROTECTION plan is one of the cheapest…..well, there’s a reason. Many of us joke that they call it “Clear” because there’s nothing there. My opinion, if you are searching for an Individual Family Health Insurance plan, run screaming from this!! Now….having said that, Anthem DOES have some good plans, like the Smart Sense. Individual Health Insurance plans differ a ton when it comes to benefits, cost and even things like coverage for DME (durable medical equipment). If you are looking to buy Individual Health Insurance or Family Health Insurance online with a place like E-Health.com or something like that, you’re not going to get much help. If you do end up speaking to someone, most likely they are from another state and not super bright…..seriously.
Currently Individual Health Insurance pricing is based on age and zip code. Coming up next year, the pricing will consist of age, zip code and if you smoke. With Individual Health Insurance and Family Health Insurance, until the end of the year, the insurance company can, and will, decline you if you have any pre=existing condition that they feel will cost them money. Why do they do this…?? Because they can! In January 2014, it’s a new day!
Individual Health Insurance and Family Health Insurance in San Jose, Sunnyvale, Los Gatos and Campbell can be very inexpensive. If you are in your 20’s, a good plan that I would recommend is about $100 a month. If you are in your 30’s and 40’s it will be a bit more. Many times if a family applies separately, the rate is better than if they apply all together. Many agents that do not specialize in Health Insurance in San Jose, do not know that.
At Brauer Insurance, we ONLY do Health Insurance for Individuals, Families, and Businesses. Many agencies offer Health Insurance…we specialize in it!!
Steve Brauer-Principal/Broker, Brauer Insurance Services LLC….(408) 421-5555