Tag: Different Services

What is the Difference Between Health Insurance Companies in California?

Dennis Alexander asked:

Whether you already know it or not California has a lot of options for health insurance. There are companies that we all heard of and there are some companies that we never heard of. With all the Health Insurance Companies out there you might be wondering what the differences are and which one is right for you.

First in state of California the health insurance companies you should be looking at are; Aetna, Assurant, Blue Cross, Blue Shield, HealthNet, Kaiser, Nationwide, PacifiCare, Celtic and new company that is going to be available in state of California is Golden Rule. These are the largest carriers that are available in the State of California. If you are looking at any other company that was not mentioned previously, use caution. With all the health insurance premiums going up there are companies that prey on people with low premiums and coverage that does not cover anything. They are just out there to make a quick buck buy collection as much premiums as they can before you cancel your coverage. Stay away from companies that you never heard of, not matter what they tell you. If you hear something like, “affordable health insurance for self-employed”, run.

Second what you have to understand that the actual cost of insurance no matter what company you go with is about the same. So how do insurance companies have so many different plans with different premiums? If it is a large insurance company and the company ran efficiently that is how you get great premium with great coverage. What creates variety of prices for coverage is the creative aspect of the insurance company designing their plans. The way they do it is by deductibles, co-pays, co-insurance, drug coverage deductibles, whether the plan covers brand name drugs or generic drugs only, maternity coverage, maximum out of pocket, deductible and co-pays for all kind of different services.

The name we all know is Blue Cross Blue Shield. Blue Cross has been around since the recession of 1929, and it used to cost only 1 cent a day. The times have changes since then, but the Blue Cross name is still around. Blue Cross has been over the years the most stable largest health insurance provider in the United States. Their strategy is to keep rates stable and have stable rate increases. While most other plans might lower their rates to get more people on their coverage and then keep increasing their rates. There fore as some plans might be more attractive in premiums at the moment over time eventually they have to catch up with the actual market health insurance cost. Sometime the company has to charge people more for health insurance in the future so they can give more affordable rates today. Blue Cross will give the one of the largest varieties of plans to choose from and you can always downgrade a plan without going through underwriting is the monthly premiums because to expensive.

The most competitive health insurance coverage you will be able to get in California today is through Aetna and once Golden Rule plans come out by United Health Care then Golden Rule plans are going to be the most completive plan. Every time most of the large insurance companies enter a new state with a new plan they make that plan more competitive just to capture the percentage of that market eventually the company will have to raise their rates to the market level. Aetna plans in California are the most competitive. This is where you can get the most coverage for your money. Keep in mind that the Aetna Individual plans in the state of California do not cover Maternity.

Assurant Health Plans is provided through Fortis Insurance Company witch is the 26th largest company in the world and Fortis Insurance Company has been around since 1892. Assurant Health Plans are the most widely accepted and flexible plans that are available on the market today. Assurant Health Plans utilizes dozens of provider networks Nationwide to give you the worlds largest selections of doctors in United States and worldwide. Assurant Health Plans are the only plans that will cover you world wide as they will cover you in the United States. There is a big difference when insurance company says that you are covered for emergencies worldwide. Insurance company can make a final decision on whether that was true emergency or not. Assurant Health Plans have no such restrictions. Assurant is the only company that will allow you to move to different state without going through underwriting process all over again. That meant that with most companies even if it is a same company if you move from one state to another you have to cancel you policy in the current state and re-apply in the state that you are moving to. The down side with Assurant in some states is that they are not the most competitive and harder to get approved for. If you considering HSA plan, Assurant Health is the best options available to individuals and families.

Blue Shield of California is great coverage especially if it is young family looking for a plan with maternity coverage and for a family where one of the adults on the plans is significantly younger than the other. Blue Shield bases their monthly premiums on the youngest primary policy holder. This can be any adult in the family. Blue Shield plans have low maximum out of pocket and wide acceptance with doctors. A lot of doctors in state of California prefer Blue Shield plans because Blue Shield reimburses them faster than most other insurance companies. Keep in mind that in some states Blue Cross and Blue Shield are the same company in state of California they are two different insurance companies competing for your business.

HealthNet of California is the insurance company available in western states. HealthNet family plans are affordable, have some of the lowest maximum out of pocket and designed for healthy individuals and families. The new line of plans form HealthNet are their popular no deductible PPO plans. Which are some of the worst plans for families. No deductible plans are not designed for families since they have extremely high maximum out of pocket witch might be a great fit for single healthy individuals. HealthNet of California also offers some of the best HMO plans available on the market. Health Net’s simple design and affordable plans are perfect match for healthy families. The way their family plans work is that once you meet your deductible HealthNet will pay 100% for all of your medical expenses after that. The down side is that their family plans do not cover regular sick doctor visits. The money that you are going to save monthly is going to be way worth no having doctor visits covered until the deductible is met. All you will get is negotiated rates that HealthNet has with doctors and hospitals. Your doctor office visits are going to cost you anywhere from $65 to $65 per visit.

Nationwide Health Plans have some of the great unique options that other plans just don’t offer. The only way you can get Nationwide health plans is by being a member of California Farm Bureau. Anyone can become a member of California Farm Bureau also know as Farmers Association. Because it is a group plans it has some options available that most individual plans do not have. You still have to qualify medically to get health insurance through Nationwide. Nationwide offers some of the most comprehensive health plans available on the market today. Nationwide health plans offer low maximum out of pocket. Some plans that they offer work similar to the way HealthNet’s plans work. Once you meet your deductible Nationwide covers everything at 100% and Nationwide plans cover doctor visit before you meet your deductible and Nationwide is the only health insurance company that has no prescription drug deductible on most of their plans. If you are looking for the most competitive HSA plans, Nationwide will be your choice.

PacifiCare is company that has been available to Californians for a long time until recently they were bought by United Health Care. PacificaCare will be replaced by Golden Rule health plans. If you have PacifiCare you might want to find out if you will have to re-qualify medically for new health insurance once they take the company of the market. Golden Rule owned by United Health Care witch known as the quality company and recommended everywhere. If you are considering PacifiCare I would wait for Golden Rule or get something else. For more great resource on Health Insurance visit www.GuideToHealthInsurance.org

Provision Security

Business Local Listings asked:

Provision Security Solutions started out as a small division, but through the great management of its team, it has been able to grow into a self-sufficient entity. Provision Security has evolved into a leader in the industry of commercial security systems, surveillance access control, and video surveillance (including the use of surveillance cameras and anytime fitness security). They provide security systems for Tampa, Clearwater, St. Petersburg, and other areas in Florida.

What You Can Expect From Provision Security Solutions

Expect top notch experts when it comes to Provision Security Solutions. They provide commercial and residential clients with a wide range of services in the field of security systems. Provision Security Solutions aims to provide only the most modern and sophisticated in security systems using a global network of installers. Through the help of their capable group of sales representatives and technical support professionals, Provision Security Solutions can provide for everything you need to protect what is valuable to you. Commercial and residential clients will surely benefit from working with an elite group of professionals.

Services Available at Provision Security Solutions

No matter how big or small your home and office is, you’ll still need to protect yourself and that’s where Provision Security Solutions comes in. Provision Security Solutions has offered different services and developed several products in order to meet the needs of all their clients. Clients are assured that they’ll be protected twenty-four hours a day and seven days a week when using the security systems of Provision Security Solutions.

Provision Security Solutions offers access control, which allows commercial and residential spaces to have secure access points at their door. On top of that, Provision Security Solutions provides security systems which enable clients to protect themselves and those in their space. Monitoring and early detection really makes a difference when it comes to home and office protection, and this is provided on a round-the-clock basis for all clients. Intelligent building systems will be put in place to make your home and office a complete monitoring system by including the use of your HVAC and lighting system. Surveillance cameras which are monitored by Provision Security Solutions are used to record all activities using CCTV. Tailgate detection is also provided through a specialized detection system which prevents users from entering your home or residential space multiple times.

To enhance your home and office security system, additional products will be installed. These products range from state-of-the-art computers to innovative peripherals. These will include key fobs and cards which will be specifically used for the access control system. There will also be biometric identification products involved which will further improve your access control system even more. Life safety equipment and fire detection tools will also be incorporated with your home and office security systems. There will even be advanced sound systems put in place to improve the quality of sound in your home and office. All these and more will be installed by highly-trained and certified professionals from Provision Security Solutions.

Getting In Touch with Provision Security Solutions

You can get in touch with Provision Security Solutions by calling their office number (866.315.0777) or dropping by their office at ProVision Security Solutions, 12181 Margo Avenue South, Suite 120, Hastings, MN 55033. You can inquire more about the services they provide by filling out a general inquiry form. You can also ask for a free evaluation by filling out their free risk assessment form. Both of these forms are available at their website. Furthermore, if you’re in need of any technical support, they provide round-the-clock customer service so you can reach them at anytime.