Health Insurance in California

Plans Starting at $150

Consider the Following Stats:

Population of State:

39,188,300

8.00%

of People Uninsured

Estimated Daily Cost for Inpatient Hospital Stay:

$3,341

Insurance Line One has an A+ accreditation with the Better Business Bureau.

Navigating the intricate world of insurance can be overwhelming and confusing for many Americans. Insurance Line One is dedicated to providing affordable California health insurance options that fit any family size and budget.

We are one of only 5 companies in the United States with the ability to match you with almost any insurance coverage need you may have. We provide individual and family insurance options for: Medicare, motorcycle, home, dental, health, life, car, commercial or ancillary insurance.

Our team of national experts will match you with the optimum plan for your circumstances and work to save you money in the process. Our enrollment process is simple and our plans are flexible. Our A+ accreditation with the BBB speaks to our outstanding reputation for providing exceptional service. Let’s talk a little more about Insurance coverage in California.

Cheap Health Insurance California

FAQs About Health Insurance Coverage in California

You may find it difficult to find honest answers to your insurance questions. Our experts have compiled a list of frequently asked questions from residents in California. You may find some of the answers to your pressing questions below:

What is the best health insurance plan for me?

To answer this question, you need to first define what you need in an insurance plan. What works for your needs, may not work for the next guy. Here are some of the things to consider when choosing an insurance plan: long term or short term coverage, basic or comprehensive coverage, individual or family coverage, pre-exisiting condition needs, ease of access to specialists and specific coverage for hospitals or doctors. Your considerations will help you narrow your choice of plans immensely.

What is a deductible?

A deductible is an amount of money  your insurance company may require you to pay out-of-pocket before they begin paying claims.

What is coinsurance?

This is the amount of money your insurance company requires you to pay for a medical claim. For instance, if the cost of your doctor visit was $50 and your coinsurance was 20%, your portion of the visit would be $10. Your insurance company would then pay the remainder.

What if I have a pre-existing condition?

It is no longer legal for an insurance company to discriminate against those who have pre-existing conditions. This means even if you are sick, your premiums won’t be any higher than a healthier person. Insurance Line One was originally founded to provide medical insurance to those who were denied coverage specifically because of pre-existing health conditions.

What services do your plans cover?

Insurance Line One plans cover office visits, unexpected illnesses, injuries and preventative care. Every company and plan will vary according to need. Our licensed agents will happily provide you with more information on plan specifics such as: co-pays, deductibles, plan maximums, preventative and diagnostic coverages.

Is there an enrollment period for Insurance Line One?

We offer enrollment year round. No more missing deadlines and waiting months for the coverage you need.

How much can I expect to pay for coverage?

Insurance Line One offers coverage for as low as $150 a month. We don’t believe in accumulating debt because you or your loved one have health issues.

As a consumer, you have the right to ask all the questions you feel are needed. If you have a question you didn’t see addressed here, our friendly licensed agents can help. Simply call 800-606-1671.

Information on Health Insurance Premiums in California for Individuals and Families

Several factors influence premium prices for individual and family insurance plans in California. Under the health care law, insurance companies can use 5 following pieces of criteria to set prices:

  1. Age: The older we get, the more issues our bodies seems to have. Premiums for older people can be up to 3 times more than those of younger people.
  2. Location: Premiums can be largely influenced by where you live. Influencing geographical factors are: competition, local rules and cost of living. Rates for medical procedures in Northern California, for example, are significantly higher than in Southern California.
  3. Tobacco Use: Tobacco users can expect to pay around 50% more in premiums than people who non-smokers. The use of tobacco exacerbates many diseases and health concerns.
  4. Individual vs. Family Plans: Insurance companies charge more for a spouse and children as opposed to a single person. Insurance Line One has solutions to fit any family size, situation and/or budget..
  5. Plan Benefits: Plan benefits and deductible amounts will influence premium prices. The smaller the deductible, generally, the higher the plan premiums. Plans with more flexibility in doctor and institution selection will also increase the monthly premiums.

Insurance Line One agents will guide you through the selection process, determining your critical plan benefits. We will always look for ways to save you money while giving you the optimum coverage for your needs. The average monthly premium in California is around $430.

Whether you are single, married or in a committed relationship, we have insurance solutions for your individual situation. For an obligation free insurance quote simply click here for an online quote or call one of our licensed agents at 1-800-606-1671. Selecting the perfect plan for your individual needs shouldn’t be difficult.

Cost of Common Medical Services in California

Common medical procedures can cost a small fortune without adequate insurance coverage. How much, on average, should medical services cost? First of all, it is important to understand the costs vary from county to county. Northern California medical service costs are slightly higher than those in Southern California. Here are some of the pre-insurance costs according to county:

  • In the San Mateo region, the typical Cesarean section costs nearly $48,000, but was just over $24,000 in Folsom. While in Fresno, prices were less than $13,000.
  • A knee replacement surgery in Fresno is just over $46,000 compared to over $127, 000 in Alameda County.
  • Angioplasties range from almost $145,000 in San Jose to $44,000 in Bakersfield.
  • Hysterectomies through the abdomen are just over $81,00 in Contra Costa, $47,500 in Sacramento and just over $34,000 in Orange County.
  • Coronary artery bypass surgery capped out at just over $151,000 in Alameda County.

Health Insurance is designed to reduce the amount of money you will end up paying for these procedures to a fraction of original prices. No matter where you live, it seems clear that insurance coverage is crucial when medical procedures are needed. You can’t afford NOT to have insurance coverage for you and your loved ones. Insurance Line One offers comprehensive solutions for your insurance needs, no matter your budget. Don’t risk your financial health by neglecting to select the right medical insurance plan for your needs. Our staff are dedicated to helping you find just the right carrier and plan.

Health Insurance Carriers in California

Choosing a health insurance carrier is an important decision that shouldn’t be taken lightly. Where do you search for the right company? Certainly, googling a company is easy and quick. However, with so much information coming your way, making an educated decision can be almost impossible. Let’s discuss some of the benefits of the top California insurance carriers:

  1. Anthem BlueCross: Anthem Blue Cross has been serving the people of California for over 70 years. Covering over 8.3 million Californians, Anthem Blue Cross of California is easily the top carrier in the state. Products include: 1) BeneFits- A unique education and enrollment site for small businesses which offers advanced technology and resources. 2) Health, dental, vision, life and disability coverage. 3) 360 degree Health Management Program- resources, programs and tools designed to help group members on their road becoming their best selves..
  2. Blue Shield of California: With over 3 million member, Blue Shield of California has set a distinguished standard of innovative technology, effectively changing the face of healthcare in California. Benefits include: HMO members have access to over 29,000 doctors and 300 hospitals. PPO members have access to nearly 50,000 doctors and 350 hospitals.
  3. Chinese Community Health Plan: CCHP offers top notch insurance coverage to individuals, families, businesses and Medicare Advantage eligible seniors. Founded over 25 years ago primarily for the Chinese American community, they have expanded to include everyone. Benefits include: CCHP provides individualized, patient-centered health care services to its members. They offer a choice of over 300 physicians and 10 hospitals.
  4. Molina Healthcare: Molina is a managed care company administered out of of Long Beach, CA. They offer healthcare to individuals through government programs such as Medicaid and Medicare. Benefits include: Proudly providing affordable healthcare solutions to individuals and families since the 1980’s.
  5. Kaiser Permanente: Everything at Kaiser is centered around you, the patient. Working with your primary care physician, you have the unique ability to create a personal plan to achieve your healthy goals. Benefits include: Preventative care, prenatal and well baby, immunizations, emergency care, screening diagnostics, pharmacy services and hospital/medical services.
  6. Oscar Health Plan of California: At Oscar Health Plan, they believe insurance coverage should be smart, intuitive and friendly. They utilize technology to keep track of medical history and personalized timelines. This also keeps you connected to providers in your area. Benefits include: Head to toe coverage designed to keep you healthy while remaining affordable. Speak to a board certified physician with any questions about your plan or health.

Insurance Line One’s licensed agents can help you navigate all the intricacies of the various health insurance companies and help you narrow your search based on your needs and budget. Plans can be tailored for your family size, needs and coverage types. We strive to provide you with world class service while remaining affordable. We have helped thousands of Californians achieve better health through proper healthcare.

Get Your Free Insurance Quote Today!

When we began our business in 2009, our company vision was simple; to provide medical insurance coverage to those who were denied by large medical insurance carriers due to pre-existing conditions. We have expanded our services to provide coverage in all 50 states and for all insurance coverage situations. We strive to provide a comprehensive service designed to give you just the right amount of coverage at prices you can afford.

With an A+ Better Business Bureau rating, we have helped thousands of people secure health insurance benefits customized to their needs and budget. Don’t let complicated websites, information and medical jargon cost you your financial health and well-being. To get your no obligation insurance quote simply click here for an online quote or call one of our licensed agents at 1-800-606-1671.

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About Us

  • We can provide affordable health insurance in all 50 states.
  • We enroll you 24/7/365
  • Affordable Health Insurance Plans Starting at $150 per month