Best Health Insurance Agencies in San Jose

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 are the differences between HMOs, EPOs, PPOs, and POS plans in San Jose?

  In San Jose, HMOs usually have the lowest monthly cost but necessitate referrals from a primary care physician for specialist visits. They lack out-of-network coverage. PPOs offer flexibility, allowing any preferred provider without referrals. However, they cost more for out-of-network choices. POS plans resemble HMOs but sometimes offer PPO-like, out-of-network options with some referral exceptions. Lastly, EPOs mandate selection from a specific provider list for coverage.

• What things are not covered by Medicare in San Jose?

  Usually, Medicare in San Jose does not provide coverage for custodial care, eyeglasses, hearing aids, and related exams for prescription or fitting. Furthermore, routine foot care, dental treatment, and cosmetic surgery are also not within the coverage of Medicare. While some personal care services like aid with bathing, eating, and similar activities might be reimbursed under skilled care, they are not covered independently, except for hospice benefits.

• Does using a health insurance agent or broker in San Jose come with an additional charge?

  No. Insurance companies compensate health insurance agents and brokers with a commission in San Jose. Regardless of whether you buy insurance directly from the company or through an agent, your insurance costs will remain constant. Throughout the insurance application process, an insurance agent can provide guidance and support without extra charges.

• Is it possible for your health insurance application to be rejected in San Jose?

  Under the Affordable Care Act, health insurance applications in San Jose are accepted without taking pre-existing conditions into account and imposing waiting periods. Denial based on your medical history is prohibited. Your application for health insurance will be approved as long as you submit it throughout the open enrollment period or during a special enrollment if you experience a major life event.

• What does a health savings account refer to in San Jose?

  An HSA in San Jose is a tax-advantaged medical savings account for taxpayers with a high-deductible health plan. Contributions are tax-free and can be utilized for medical costs. Withdrawals not intended for medical purposes follow a structure comparable to IRA withdrawals, potentially providing tax benefits after retirement but incurring penalties if taken out before a specific age.

• 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.