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818-
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MIFS Meyer Insurance & Financial Services is appointed by all major health insurance carriers in California including United Healthcare, Aetna, Anthem Blue Cross, Blue Shield, Humana, Mutual of Omaha.
3dHealthInsurance.com is a local resource for affordable California health insurance quotes and online information for groups, individuals and families.
California Health Insurance Types
Preferred Provider Organization (PPO) allows plan members to refer themselves to doctors of their choice, including ones outside the plan. A (PPO) has arrangements with doctors, hospitals, and other providers of care who have agreed to accept lower fees from the insurer for their services. As a result, your cost sharing should be lower than if you go outside of that network.
Advantages
- You can choose your own doctor or hospital.
- You do not need a referral from a primary doctor to see a specialist.
- Health care providers usually compete for your business and provide a higher quality of care.
Disadvantages
- Your out of pocket expense usually is higher than HMO plans.
- You may not receive a discounted contract rate if you use a non-
member healthcare provider.
Health Maintenance Organization (HMO) does not allow self-
Advantages
- Your out of pocket medical expense is usually small compared to PPO plans.
- Good plan if you’re healthy and limit your visits to the doctor annually for physicals. In the event of a major illness, accident or condition, your out of pocket expenses may be lower as long as you stay within your HMO network of doctors and facilities.
Disadvantages
- You need to choose a primary physician to receive care.
- You will need a referral from your primary physician to see a specialist.
- Since health care providers do not have to compete for your business you may receive a lower quality of care or service.
We recommend you contact us and we can give you suggestions and let you know which plan type would be more suitable for you.
