Customize Your Health Insurance Coverage
In today's market, there are more insurance options available to individuals and families than ever before. Health insurance will help protect you and your family should you incur unexpected medical expenses that could otherwise be financially devastating. Dental insurance is available to help keep your pearly whites at their absolute best. Vision coverage will help pay for routine eye exams, as well as glasses and contact lenses. If you’re looking for a local health insurance company you can trust, you’ve come to the right place. Shasta Health Insurance Services will help you find the best insurance coverage for your needs.
Find out if your Doctor is included in a plan you are considering
HEALTH INSURANCE
Health insurance will help you pay for the medical expenses that are covered on your specific plan, such as physicals, hospitalization, doctor visits, and prescription drugs. It is important to understand all your insurance options to determine the best coverage for your individual or family’s needs.
The plans available are Bronze, Silver, Gold, and Platinum. Bronze plans are high deductible plans. Silver plans are mid range deductibles ranging sometimes from $1500 to $2500. Gold plans are lower deductible plans usually ranging from $0 deductible to $1000. Platinum plans are very low deductible plans usually ranging from $0 to $250. It is important to understand your benefits and choose a plan that works best for you!
Plans will cover the 10 minimum essential benefits required under the Affordable Care Act.
Ambulatory patient services
Emergency services
Hospitalization
Maternity and newborn care
Mental health and substance use disorder
Prescription drugs
Rehabilitative, habilitative, and devices
Laboratory services
Preventive, wellness, and chronic disease
Pediatric services
DENTAL INSURANCE
Dental insurance will help cover the costs associated with routine dental care, such as cleanings, x-rays, and exams. Your dental insurance should also help cover the costs of fillings, crowns, and other dental procedures.
Getting quality, affordable dental care can be difficult. It’s important to decide what matters most to you when considering dental plan options for you and your family. We can help you choose a plan that fits your needs.
Questions to consider when comparing dental plans:
What is the dental plan monthly premium?
Is my dentist in the dental plan’s network?
How much will I pay when out of network?
Is there a deductible and how does it work?
What is the level of coverage for the dental plan?
Which dental procedures are covered?
VISION INSURANCE
Vision insurance is a low cost program that will help you cover and budget for ongoing vision care expenses like routine eye exams, prescription glasses and contact lenses. Even if you don’t need glasses, an annual vision exam can help with early detection of medical conditions such as glaucoma or cataracts.
It is important to understand your benefits and choose a vision plan that works best for you. We are here to help you better understand your options.
We offer plans through VSP that feature:
Coverage for people of all ages
No waiting periods
Low co-pays for eye exams and glasses
Saving through a national network of vision service and eyewear providers
Freedom to go out of network and still get benefits if you pay the difference between your plan allowance and your final cost
LIFE INSURANCE
Despite life insurance’s nearly universal applicability, there remains a great deal of confusion and skepticism.
Life insurance will help protect your family and/or business in the event of your passing. If your life insurance policy is properly set up, the beneficiary can be paid tax-free. Some policies even build cash value.
We offer Life Insurance Plans to individuals with benefits in the amount of $50,000 and above.
Life insurance benefits and rates are based in a large part on age, occupation, income, health history, and benefit amount (i.e. age 65).
We will provide you with the proper information to simplify the decision-making process and arrive at the right choice for you and your family. If you have any questions about Life insurance, please contact us at Shasta Health Insurance Services.
DISABILITY INSURANCE
Disability insurance will provide income in the event you’re unable to work and earn money due to a disability. Disability insurance policies offer to pay you a monthly disability benefit should you become disabled and unable to work. Most of the time, these plans can pay the disability benefit, even if you are working in a different occupation.
The younger and healthier you are, the easier it is to qualify for a disability insurance policy. As you get older, premiums increase. If your health deteriorates, you may find it hard to qualify for an affordable policy at all.
You might think that none of these will happen to you, but the Social Security Administration (SSA) reports that one in four of today’s 20-year-olds will become disabled for 90 days or more before they turn 67 years old. They also report that a massive 68% of non-government workers have no disability insurance.
A majority of disability claims are for things like physical injuries, a heart attack, or cancer. These things could happen to anyone in any workplace.
TRAVEL INSURANCE
Standard health insurance doesn’t always cover you when you’re away from home. Travel insurance helps protect you from unexpected medical expenses that occur when you travel, from basic trip cancellation protection to comprehensive coverage.
Keep yourself protected both financially and medically next time you travel. We’re here to help!
Here are 5 reasons to consider travel insurance:
You can’t afford to lose your vacation investment
Medical emergencies overseas can be expensive
You don’t want minor accidents to ruin your trip
The U.S. Department of State recommends it
Travel insurance is more affordable than you think
FREQUENTLY ASKED QUESTIONS
Do I even need to get insurance?
As of January 1st, 2019, The Affordable Care Act no longer requires individuals to have health insurance. But the only time you can purchase individual coverage is during Open Enrollment, which takes place towards the end of the end of the year.
If I can apply for insurance on my own, why should I use Shasta Health?
Navigating each company’s website and trying to find the best plan for your situation can be a very overwhelming task. There are so many variables that can significantly change your premium, coverage, and even whether you qualify at all. It doesn't cost you any more to have Shasta Health Insurance Services as your broker, and we understand all the “in's and out's” of the many options and can help you understand how these factors impact your decision. In addition, as your broker we will be able to help you in the long term — whether you have claims questions or billing issues, we can make the process much easier.
Which insurance companies does Shasta Health work with for individual health insurance?
We are independent brokers representing most insurance carriers in California, such as: Anthem Blue Cross, Blue Shield of California, Kaiser Permanente, UnitedHealthcare, HealthNet, and many more. We are also fully certified Covered California agents and offer all the plans available in that program.
Can I change my plan?
Yes, you may change your vision, dental, and life insurance plans at any time.
I already have individual insurance. Can I appoint Shasta Health in Redding as my agent?
We would be happy to discuss your current coverage with you and help you decide if you’re adequately covered or need to make some changes. In most cases, you can appoint a new agent with just a simple form.
Do you offer auto or homeowners insurance?
No, we don’t offer auto or home insurance policies. However, we work with a lot of local insurance agencies and we highly recommend Kyle Vowell Insurance Agency for your auto and homeowners insurance needs. They are located at 2477 Athens Ave, Redding, CA 96001 and their phone number is (530) 605-4740.
Do you have additional questions about Medicare? Please contact us at Shasta Health Insurance Services.
Are there different types of individual insurance?
There are many different options for individual insurance. There are PPOs (Preferred Provider Organizations), EPOs (Exclusive Provider Organizations), HSA (Health Savings Accounts) Sponsored High Deductible Plans, and more. Depending on your needs and budget, we can help you determine which type of plan works best for you and your family.
Is health insurance expensive?
That’s a difficult question because the rates vary based on age, geographic area, income, and other factors. The most affordable plan is called the “Bronze” plan. Whether this is purchased as a Covered California plan or directly through a private insurance carrier, this plan is going to be the least expensive which is reflected in the benefits. The more benefits offered, the more expensive the plan will be.
What is a Health Savings Account (HSA)?
If you have a high deductible plan that is compliant with IRS regulations you can contribute to a Health Savings Account. Contributions to an HSA can usually be made with “pre-tax” dollars. Contribution amounts are limited. Please consult your tax advisor for more details. You have the ability to pull the funds out this HSA account, tax-free to pay any qualified medical or dental expenses, such as deductibles, coinsurance, dental expenses, etc. There are IRS guidelines pertaining to what is a qualified hsa healthcare expense.
Am I guaranteed health insurance when I apply?
Yes, as long as you apply during Open Enrollment or in most cases, within 30 or 60 days of a qualifying event.
What is a Premium Subsidy?
A premium subsidy or “advance tax credit” is available through the Covered California program. It is an amount paid by the government directly to the insurance company to reduce the amount you have to pay for your insurance. The amount of premium subsidy available depends on many things such as income, age, and number of people in the household. If you qualify for a subsidy based on your income, your premiums can be dramatically lower.