Best Health Insurance Agencies in Milpitas

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.
  

• Can an individual have two health insurance policies in Milpitas?

  Yes. Having a secondary health insurance plan in Milpitas is both legal and possible, but you should know how primary and secondary insurance operates. While it may seem like more work at first, a second plan can cover some of your costs. Coordination of benefits between multiple insurance policies takes place to determine which plan pays first, reduce duplicate benefits, and improve claim processing efficiency, making managing your health insurance coverage easier and more efficient.

• How can small businesses in Milpitas qualify for health insurance through Covered California?

  If you meet the following criteria, your small business in Milpitas may qualify for health insurance through Covered California:

  • You must have between one and 100 eligible employees and meet specific contribution and participation requirements.
  • You have an employee who receives a W-2.
  • Most of your eligible employees reside in California. If you have fewer than 100 full-time equivalent employees, you may also be eligible for the program. Lastly, if you are a sole proprietor and do not have any W-2 employees, you may obtain coverage through Covered California's individual marketplace instead.

• How does Covered California for Small Business work for Milpitas business owners looking for a viable health insurance option?

  Covered California benefits Milpitas small businesses by:

  • Cutting healthcare costs and reducing administrative work, giving employees more health plan options.
  • Boosting employee satisfaction with the freedom to pick their preferred health plan and doctor network.
  • Offering multiple insurance and health plans and expanding access to various physicians and hospitals.
  • Providing a single monthly bill, even if you use multiple carriers.
  • Offering tax credits to eligible small businesses to help cover employee health insurance costs.

• Can policyholders in Milpitas cancel their health insurance plans at anytime?

  Yes. However, Milpitas residents could still face fines for not having health insurance in accordance with state regulations. You may be obligated to pay upwards of $850 for each adult and $425 for each dependent child under the age of 18 unless you are exempt. To avoid paying a fine for not having health insurance, refrain from canceling a current policy until you have a new one with a workable start date for coverage. Similarly, while you can always cancel some health insurance policies, you can't always enroll whenever you want to.

• What happens if a Milpitas individual's primary doctor is no longer in his health insurance plan's network?

  If your primary doctor in Milpitas is no longer in your health insurance network, you need to find a new hospital, healthcare provider, or physician. In certain situations, you may have the option to retain your doctor, medical group, or hospital temporarily. This is known as "continuity of care." However, only those with specific health issues or conditions are eligible for continuity of care. The hospital, medical organization, or doctor must also consent to continue treating you as a patient.

• 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.