Best Health Insurance Agencies in Daly City

Frequently Asked Questions

• Introduction

  If you're looking for health insurance for yourself or your family, an agent can help you save time, understand your options, and manage your costs. Insurance agents must be licensed in the state where they operate. They can provide information about on- and off-exchange plans to help you weigh all of your options, and they can see if you qualify for tax credits that can lower your monthly premiums. There's no cost to work with an agent, and they can help you save quite a bit by recommending the best plan for your needs. Here's what you should know before you get started.
  

• Do you automatically get Medicare in Daly City when you turn 65 years old?

  Medicare is a type of health insurance in Daly City for individuals 65 and older. There are some who are eligible to get Medicare Parts A and B automatically, while others have to sign up for them. When you turn 65, Medicare Parts A and B will be automatically registered in your account if you are currently receiving Social Security or Railroad Retirement benefits through early retirement. Meanwhile, if you are not getting early retirement Social Security or Railroad Retirement payments, you must apply for Medicare during the initial enrollment period of 7 months.

• Is there a deadline for applying for Medicare in Daly City?

  If you are turning 65 years old soon in Daly City, you are eligible to apply for a health insurance plan called Medicare. An initial enrollment period is in effect, commencing three months before one's 65th birthday and concluding three months after that month. When you fail to apply during your IEP, you might pay a fee. Those who were not eligible to enroll in the Individualized Education Program may do so during the general enrollment period, which typically runs from January 1 to March 31.

• Is Medicare in Daly City only for senior citizens?

  Medicare is a type of health insurance plan in Daly City commonly known to cover the needs of seniors aged 65 years and older. However, this health insurance is not limited to seniors. Individuals below 65 years old who have a qualifying disability, end-stage renal disease, or amyotrophic lateral sclerosis are qualified for Medicare. If you or your spouse have worked for a Medicare-covered employer for ten years, you may also be eligible for Medicare.

• Are deductibles required in health insurance plans in Daly City?

  Yes. Deductibles are the amount one should pay for covered health care services before the insurance provider in Daly City begins to share the costs. For example, if you incur medical expenses and your deductible is $1,000, you will pay $1,000 out of pocket before your insurance coverage starts. The amount of deductibles varies per health insurance. Deductibles are also usually reset every year.

• Are you required to get health insurance in Daly City?

  According to California’s Individual Mandate, all citizens in Daly City and surrounding areas need to have health insurance with a minimum coverage for 12 months of the year. Individuals may access health insurance from employer-sponsored plans, Medicare, Medi-Cal, or plans purchased directly from providers. An individual will incur a penalty on their state income tax return for lack of health insurance.

• How can you find affordable health insurance? 

  Affordable insurance is available through employers, Medicare, Medicaid, and the federal Health Insurance Marketplace, which offers subsidies in the form of tax credits. You can also purchase coverage through private insurance companies and independent agents. Nearly half of all Americans have employer-sponsored health insurance, and about 10% of the population is uninsured.