Best Health Insurance Agencies in Newport Beach, CA

Newport Beach, CA Health Insurance FAQs

• If you have an HMO plan in Newport Beach, what kind of costs should you expect to pay?

  In many cases, you may have to pay a specific co-payment amount every time you fill a prescription or visit a doctor. You may also have to pay for co-insurance, usually a percentage of the total cost, to get some medical services if you have an HMO plan in Newport Beach. In addition, if you go to a medical provider outside your insurance's network, you may have to pay some, if not all, of the costs unless in emergency situations.

• In Newport Beach, what are the things you should consider if it is your first time getting health insurance?

  Remember that you are covered by your parent's health insurance until you turn 26 years old. After you lose this coverage, you must purchase a health insurance plan within 60 days. This is part of the enrollment period requirement to ensure continuous coverage. Some ways you can obtain insurance in Newport Beach are through your employer group plan, by buying a policy in Covered California, or by applying for Medi-Cal if you have limited income.

• Should your employer in Newport Beach provide health insurance if you work 30 hours a week?

  Under California laws, W-2 employees in Newport Beach working 30 hours a week on average must be eligible for group health insurance. Rendering these minimum hours makes you a full-time employee. Employers with more than 50 full-time employees will face tax penalties if they violate this requirement. However, those with less than 50 employees are not required by any state or federal law to comply with this requirement.

• In what ways can a PPO plan in Newport Beach be better than an HMO plan?

  PPOs or Preferred Provider Organizations in Newport Beach offer you personal freedom and more choices when seeing or going to a healthcare provider. This is in contrast with an HMO or Health Maintenance Organization plan which only allows you full benefits if you choose a provider within the insurance's network. Additionally, you have to see a primary care doctor before you can see a specialist if you have an HMO, which is not necessary in a PPO plan.

• Are there out-of-pocket costs for preventive care services in Newport Beach?

  Most health plans in Newport Beach do not have out-of-pocket costs for preventive care services. Such costs can be co-insurance, co-pays, or deductibles. Preventive care services include cancer screening, routine vaccines, birth control, obesity counseling, and blood pressure tests. Children may also benefit from vision and screening tests and regular pediatrician checkups.