How to Find Private Health Insurance Coverage

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If you don’t have insurance benefits through an employer-sponsored plan, then you are probably looking for the best way to find affordable private health insurance coverage. It’s a smart financial decision to pay for insurance coverage so you don’t have to pay for all of your medical bills out-of-pocket.

Jonathan Nolan
JPN Insurance

How Private Health Insurance Works

Many health insurance companies offer private plans available for individuals and families. You can compare different options to find the coverage and price point that works for your unique situation.

When the insurance coverage starts, you’ll pay a flat-rat monthly premium. Then, if medical services are needed, it’s common to have a co-pay that is paid when you visit the doctor’s office. Additionally, most private health insurance plans have annual deductibles so you know the maximum out-of-pocket expenses you will pay in a given year.

Why Talk to an Insurance Broker About Health Insurance Plans

Working with an insurance broker is a great way to compare your options because your agent can help you see different plans available through available health insurance providers.

Working with a broker saves you the time and hassle of reaching out to individual health insurance providers to ask for pricing information.  It does not cost you more to work with a broker because the broker is paid by the insurance company, not by you.

When should you reach out to an insurance agent? Here are a few common situations when it’s time to get a private health insurance plan:

  • Unemployed: If you recently lost your job, which means that you also lost your employer-sponsored insurance coverage.
  • Self Employed: Business owners need to get their own insurance coverage. If you own a business or are a freelancer, then talk to an insurance agent to compare your options.
  • Part Time Employment: Most employer-sponsored insurance plans are only available for full-time employees. So, if you are employed part time, then you will want to look at private insurance plans.

Other Insurance Coverage Options

Depending on your circumstances, you might qualify for health insurance coverage through Medicare or Medi-Cal. Medicare is a federal program that provides insurance coverage for people over the age of 65. Medi-Cal is support for people with disabilities and other unique circumstances.  An insurance broker can also help you to determine if you qualify for Medicare or Medi-Cal.

Do you need help finding the ideal insurance coverage for your unique needs? Then reach out to our team at JPN Insurance Services. Call us any time for more information: (951) 443-9925