There are many changes in the world of individual health insurance.

With the new health insurance initiatives, the health insurance carriers have had to go back to the drawing board to deliver plans that meet the new standards.  Some of the new plan mandates that have already emerged are things like no charge for preventative visits.  Another one is that child only plans (plans with no adult members enrolled) are now guaranteed issue. 

With all that said, here are the plans that we recommend, based on affordability and benefits.  All plans listed below include both generic Rx and brand name Rx:

Anthem Blue Cross ClearProtection 5000 Plus PPO
Anthem Blue Cross ClearProtection 3300 Plus PPO
Anthem Blue Cross ClearProtection 1000 Plus PPO

Anthem Blue Cross SmartSense 3500 Plus Upgrade Rx
Anthem Blue Cross SmartSense 2000 Plus Upgrade Rx

Blue Shield of CA Vital Shield  Plus 2900 PPO
Blue Shield of CA Vital Shield  Plus 900 PPO
Blue Shield of CA Vital Shield  Plus 400 PPO

To get pricing on our recommended plans above,
click here  for an instant quote now

Accident Plan Add-on
If you can only afford plans that feature a high deductible, you may want to consider the purchase of a supplemental accident plan.  An accident plan works in conjunction with a regular health insurance plan, such as a PPO plan.

Here's how it works... should you have a personal accident (slip and fall, sports injury, etc.) the accident plan pays for your accident related expenses (emergency room services, labs, x-rays, etc;) and you use those reimbursed funds to pay off your PPO heath plan deductible.  Click here for an example of how an accident plan can help pay off your high deductible .

If you have any additional questions, please don't hesitate to call.

Call us toll-free at (800) 610-6418

Bill Lorenz
Broker