Best Health Insurance Agencies in Tustin

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.
  

• Who is eligible for Medi-Cal benefits in Tustin?

  Tustin residents with low incomes are eligible for Medi-Cal benefits. Since January 1, 2014, the Affordable Care Act has broadened the scope of Medi-Cal coverage to include adults who were previously ineligible, such as those without children, without disabilities, and not elderly. The healthcare services covered by Medi-Cal consist of medical emergency care, ambulatory services, and maternity care. Also, California's version of the Medicaid program covers specific adult dental services, pediatric care, and laboratory services.

• What are the health insurance options available to people living in Tustin?

  Tustin residents can choose from various health insurance options such as HMOs, PPOs, and POSs. HMO plans require policyholders to secure a referral before consulting a specialist. They must route all healthcare services through their primary care physicians. PPO plans provide more freedom, as policyholders are not obliged to have a primary care physician and can visit any healthcare provider they prefer. POS plans require individuals to select primary care doctors, although they can potentially access out-of-network care.

• What distinguishes a catastrophic health insurance plan from the other health plans available in Tustin?

  Catastrophic health insurance plans in Tustin cover fundamental healthcare services but entail a higher deductible. This health plan offers a safety net of coverage for unforeseen accidents or severe illnesses. Generally, catastrophic plans do not extend benefits for services such as prescription medications or vaccinations. Premiums for catastrophic plans may also be more affordable than conventional health insurance.

• Do residents of Tustin and Orange County have to pay for Medi-Cal?

  The eligibility for Medi-Cal services in Tustin is based on the income of policyholders. If policyholders' income falls below the Medi-Cal limits for their family size, they can receive Medi-Cal services without any cost. On the other hand, if the insured individual's income exceeds the Medi-Cal limits for their family size, they will be required to make a specific payment only during months when they incur medical expenses.

• Is it advisable for Tustin residents to choose a health plan with lower premiums?

  Tustin residents who are typically in good health and make infrequent doctor visits are advised to consider health insurance policies with lower premiums. On the other hand, individuals with substantial medical expenses and frequent prescription needs should avoid health plans with lower premiums. The suitability of health insurance plans depends on the individual.

• 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.