Best Health Insurance Agencies in Mountain View

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.
  

• What factors should residents of Mountain View take into account when purchasing health insurance?

  Firstly, Mountain View health insurance consumers should always read the terms and conditions of a health plan. Secondly, they must make sure that their insurance agents explain anything they are unclear about. Lastly, they should check if physicians and hospitals widely accept the health insurance plan they have purchased.

• What happens to the assets of Mountain View and Santa Clara County residents when they sign up for Medi-Cal?

  Medi-Cal beneficiaries in Mountain View can retain their assets throughout their lifetime. Medi-Cal only seeks to recoup its medical assistance expenses following the policyholder's demise, provided the recipient is 55 years of age or older or if a member of any age receives care at a healthcare institution. The health plan does not pursue reimbursement during the lifetimes of policyholders, surviving spouses, or disabled children.

• Does a Medicare Supplement plan still cover the medical care needs of Mountain View policyholders if they travel around the U.S.?

  Yes. Medicare Supplement plans can also be used with other Medicare plans to provide better coverage for Mountain View residents. Also known as Medigap, these health plans are sold by private insurance companies to complement their original Medicare plans. Medicare Supplement plans also allow senior citizens to visit their preferred doctors or hospitals.

• Which Santa Clara County-sponsored program helps Mountain View senior citizens navigate the complex nature of health insurance in retirement?

  The Health Insurance Counseling and Advocacy Program offers the expertise of trained and impartial counselors who offer complimentary individual consultations to address inquiries and assist Mountain View senior citizens in comprehending the intricacies of the Medicare system. Individuals who are either currently enrolled in Medicare or approaching their enrollment period can take advantage of counseling services related to the program.

• What do Obamacare health insurance plans purchased through Covered California in Mountain View cover?

  Obamacare plans cover several essential health benefits for Mountain View residents, including ambulatory patient services, medical emergencies, and hospitalization, including surgery. All health plans purchased through Covered California, the health insurance marketplace for California, must include these health benefits, whether or not policyholders have a pre-existing health condition.

• 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.