Downey Health Insurance

Finding health insurance in today’s marketplace is seemingly impossible. Millions of Americans buy their own health coverage, individual health insurance can offer you a myriad of options. Some good, some horrible–let a professional help you find your health insurance today! Call us if you have any questions. Visit Here for Life Insurance.

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We’ve made getting Health Insurance simple and easy.

  • Review multiple quotes at the same time
  • Wide range of coverage limits available
  • Straightforward application process

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Browse our library of original articles about insurance. Find out how to cut your health care costs, get coverage if you’re self-employed, or use COBRA to keep your coverage.

Familiarize yourself with health insurance terms, and read the most frequently asked questions about health coverage.

Find out how health reform will affect your benefits and your budget. Or learn how it stands to help populations that historically have faced barriers to affordable health coverage, including women and the LGBT community.

Use free, no-obligation health insurance quotes to compare private health insurance in your area, plan benefits and coverage costs.

Once you’ve done a few insurance quote comparisons to identify the best coverage for your needs, you can actually buy the low-cost plan that fits your needs. Buying online is increasingly popular because it’s fast, secure and private.

As frustrating as it can be to obtain affordable, quality individual health insurance, it’s not uncommon for policy holders to find themselves further frustrated after they’ve secured coverage.

The sad truth is that any number of factors can change with your health coverage after you’ve enrolled, and you shouldn’t hesitate to consider a change in coverage.

Is it time to burn your old health insurance policy?

A substantial premium hike is one obvious reason for you to consider dumping your old coverage for a new plan. Your hike could be part of an across-the-board hike by your carrier – sometimes as much as 30 percent in the individual market. OR you could see a premium increase when you renew your policy because of a medical issue that has required tests or treatment.

Do your homework:

  • Gather the facts on your current coverage, including your annual premium, deductible, and coinsurance requirements. Then, keep a copy of your current insurance policy handy while comparing new options. This will be especially useful when comparing a traditional plan to a high-deductible health plan.
  • Make a list of any medications that you or your dependents are taking and their annual cost. If these are covered under your current health insurance plan, add separately your co-pay is and calculate how much it would cost without your insurance.
  • List your routine doctor visits and their costs annually. Add up those co-pays if they are currently covered and calculate the cost of visits without insurance.
  • Consider possible costs of unplanned medical appointments. For example, the common cold or flu. Calculate an average cost per year.
  • Have a medical condition that requires you to rent or purchase medical equipment, such as oxygen or a wheel chair? Tally those expenses with coverage and without.
  • Consider for yourself, how much you can afford “out of pocket” for coverage and deductibles.

Call us if you have any questions.
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