California Health Insurance You Can Afford @ Ace Health Insurance

Number One Hottest Selling Plan:

How about PPO plans with the lowest prices, lower deductibles, and lower out-of-pocket maximums?! The Anthem Blue Cross SmartSense series of plans are sizzling hot. If you don’t use brand name drugs, take another 20%+ off the rates. See SmartSense plans below.

Number Two Hottest Selling Plan:

For the most coverage for the money, HMO plans excel. There’s one in particular that really is worth a look if you can deal with the limited choice of doctors. It features just a $25 copay to the doctor which includes the labs and xrays too. And it’s a full plan with great hospital and prescription coverage too. See the Select HMO details below.

Number Three Hottest Selling Plan:

Here’s another plan that fits a certain kind of person. It’s a “no-nonsense” high deductible plan, but if you really get in a big health problem, your worst out-of-pocket exposure isn’t too bad, if fact the best of the PPO Plans. Many people buy this plan because you are only paying for big problems and saving your money by not insuring runny noses etc. Also its what is called an HSA plan which will allow you to get a Health Savings Account at a bank and have some tax advantages as well. See the HSA Plans below.

So here they are…..

Plan One - "Smart Sense Plans"

Enjoy the savings of a plan with just the benefits people wish the most:

• $30 copays for the first 3 visits per member per year
• Lifetime maximum of up to $7 million
• Low Prescription Drug Co-pays or pick the plan with just generic prrescriptions
• The lowest out-of-pocket maximums for the money to protect you from catastrophic expenses
• Toll-free dedicated customer service numbers, or call us your agent at 1-800-497-4010
• No claim forms with network providers

HIGHLIGHTS OF THE SIMPLE VALUE PLANS:
This plan is designed especially for:
• Young, active healthy adults
• Budget minded families not planning any more children
• Empty nesters
• Early retirees

WHAT IS COVERED (these are highlights only for in-network providers):

DOCTOR VISITS: You pay just a $30 copay for a visit to a doctor. Limited to 3 visits with no deductible. The 4th visit and onward are covered, but you just need to meet the deductible.

HOSPITAL VISITS: pays 70% after the deductible (choice of $500,$1500,$2500,$5000)

PRESCRIPTION DRUGS: You pay just $15 for a generic or brand name drug (or 40% whichever is greater).

Brand name drugs subject to a $500 deductible per year (these are formulary drugs). You have a choice of having just generic prescriptions covered if you wish to save more.

THESE KINDS OF SERVICE ARE COVERED AT THE 70% LEVEL AFTER DEDUCTIBLE:

• Lab/X-rays
• Surgery
• Radiation
• Anesthesia
• Physical Therapy / Chiropractic / Occupational Therapy / Speech Therapy (have some limits on number of visits)
• Ambulance
• LIFETIME MAXIMUM: $7,000,000
• OUT OF POCKET MAXIMUM: $2500 after deductible

WHAT IS NOT COVERED:

• Maternity
• The key here is no deductible and a lot of coverage for the money. Be sure to go to the quoting section to get the rates for this plan. You will see 2 prescription drug options for this plan. Take a good look at the $500 deductible generic prescription plan. What you get for what you pay is amazingly good!

Questions? call us at 1-800-497-4010

IS YOUR DOCTOR AN IN-NETWORK DOCTOR?

Click here for the doctor network

(click on "Individuals and Families" on the top left. Then click on "Provider Finder" on the left, and again one more time near the left ...now you will be able to access all the doctors.)

These have only been highlights. Click here and receive the full details for every category of coverage. I've only tried to highlight broadly what the policy is about, but you need the company's literature to get the full picture

Ready for rates? Click here to go to the rates.

Wish to apply right now, online? Click here to apply.

Lastly, give us a call and we would be happy to speak to you about any or all ideas that you may wish to consider. We are not the way you might think insurance people might be. Our goal is to help you get what you want and will refer you to any place that will be best for you.

Questions? call us at 1-800-497-4010

· Plan Two - The Blue Cross
Select HMO

Some people will give you all sorts of horror stories about HMO's. But for all the horror, there are lots of people who have them and like them. The key thing here is coverage, you won't get this kind of coverage with a PPO type plan. And you may already be going to a doctor who takes an HMO anyway, so for you it will not seem any different.

WHAT IS COVERED (these are highlights only for in-network providers):

· DOCTOR VISITS: There is just a $25 copay for a visit to your primary doctor. But more than this, it covers the lab work and x-rays prescribed by the doctor as well with the $25 copay. You won't get that with a PPO plan!

· HOSPITAL VISITS: Just a $250 per day copayment for the first 4 days, 100% covered after that.

· PRESCRIPTION DRUGS: $10 for generic / $30 for brand name ($250 deductible for brand name)

· MATERNITY CARE, TESTS, and PROCEDURES: $25 copay per visit

· CHECKUPS: $25 per visit

· THESE KINDS OF SERVICE ARE COVERED AT THE 100% LEVEL

· Lab/X-rays

· Surgery (if outpatient then $250 copay and 20% for services)

· Radiation

· Anesthesia

· LIFETIME MAXIMUM: Unlimited

The key here is great coverage. You will pay more for these policies but very well may save over the long haul if you require lots of health care.

Again, these have only been highlights. Click here and receive the full details for every category of coverage. I've only tried to highlight broadly what the policy is about, but you need the company's literature to get the full picture

IS YOUR DOCTOR AN IN-NETWORK DOCTOR?

Click here for the doctor network. Beware, this network is quite small so its highly possible you won’t find your doctor in this plan. Some areas of the state there are no doctors at all for this one, then you need to try a different plan.

Wish to apply right now to Blue Cross, online? Click here to apply.

Ready for rates? Click here to go to the rates.

Questions? call us at 1-800-497-4010

Plan Three – Health Savings Account Plans

either Blue Cross or Blue Shield work well here

WHAT IS COVERED (these are highlights only for in-network providers):

· DEDUCTIBLE: $3500 or $4000 (for a one person contract)

· ANNUAL OUT OF POCKET MAXIMUM: these plans pay 100% after your deductible for covered services - so you don’t pay after you reach the deductible

· PREVENTIVE CARE: the main exception to the deductible is that you can get a routine physical for just a copay on these plans (no deductible to meet!)

THESE KINDS OF SERVICE ARE COVERED AT THE 100% LEVEL (after the deductible):
Hospital Services
Professional Services (Office visits etc)
Prescriptions
Lab/X-rays
Surgery
Radiation
Anesthesia
Durable Medical Equipment and Prosthetics
Private Duty Nursing
Ambulance
LIFETIME MAXIMUM: $5,000,000 or $6,000,000 (depending on the plan)

The key here is safety from the big things that may occur as you have a low out of pocket maximum. And you don't lose having your annual physical covered with just a copay!

Ready for rates? Click here to go to the rates.

Wish to apply right now, online? Click here to apply.

Questions? call us at 1-800-497-4010