Affordable Health Care in Georgia Doesn’t Exist in Albany

If you live in southwest Georgia and want affordable health care you are out of luck. The Albany area, served by Phoebe Putney hospitals, has some of the highest prices in the nation. This means Albany are residents pay more for their Obamacare health insurance than just about anyone else.            affordable health care in albany georgia

But wait. It get’s worse.

If you have a Blue Cross #Obamacare plan, Phoebe Putney is not in their HMO network. In fact, there are no BCBSGA participating hospitals within 100 miles of Albany, Georgia. Blue Cross charges more than most other carriers for a similar plan and gives you fewer hospitals.

How do you save money on your health insurance premiums and still have affordable health care in southwest Georgia? We have a solution but you need to understand why health care in Albany is so expensive.

A report from Kaiser Health News details the high cost of affordable care in southwest Georgia and points the blame clearly at Phoebe Putney hospital. But first a little background on their research.

If Lee Mullins lived in Pittsburgh, he could buy mid-level health coverage for his family for $940 a month. If he lived in Beverly Hills, he would pay $1,405.

But Mullins, who builds custom swimming pools, lives in Southwest Georgia. Here, a similar health plan for his family of four costs $2,654 a month.

This largely agrarian pocket of Georgia, where peanuts and pecans are major crops and hunters bag alligators up to 10 feet long, is nearly the most expensive place in the nation to buy health insurance through the new online marketplaces created by the federal health law. The only place with higher premiums are the Colorado mountain resort areas around Aspen and Vail, a high-cost-of-living area unlike Georgia.

The report, while interesting, misses the mark.

Yes, health insurance is high there, partly because of Phoebe Putney, and partially because of Obamacare. But you have options if you want more affordable health insurance coverage and you want to have access to Phoebe Putney hospitals and doctors.

All the dynamics that drive up health costs have coalesced here in Southwest Georgia, pushing up premiums.  Expensive chronic conditions such as obesity and cancer are common among the quarter million people in this region. One hospital system dominates the area, leaving little competition. Only one insurer is offering policies in the online marketplace, and many physicians are not participating, limiting consumer choice.

If want to buy your health insurance on the Obamacare exchange, your only choice is Blue Cross of Georgia.

But if you buy OFF the exchange you have more choices. Georgia Insurance Shop offers consumers in Lee and Dougherty county and surrounding areas several approved ACA health insurance plans that include Phoebe Putney in their network. When you look for affordable health care in Albany you have to know where to shop and compare ACA health insurance options.

We have several health insurance plans with broader networks and much lower premiums than BCBSGA. The Kaiser article implies you don’t have options, but in fact you have several choices. But you need to hurry. Your last chance to sign up for a health insurance plan, or make a change in March 31, 2014. After that your next open enrollment is November, 15.

I bet you didn’t know about that Obamacare requirement. The government considers that a feature, not a bug.

You can have affordable health care in southwest Georgia but you have to think beyond Blue Cross. Click now to find health insurance plans in your area.

Obamacare 2014 – What Happens Next?

Obamacare 2014 finally sputtered out of the gate and we are 13 days into a new way of doing things. What next? If you don’t like your new plan, can you change? Did you lose your doctor(s) in the transition? Is the obamacare 2014premium affordable but the deductible too high? Did the plan you get match what you thought you were buying? Do you feel like Private Benjamin (Goldie Hawn)? “I did join the army, but I joined a different army. I joined the one with the condo’s and private rooms”.

First the good news. For now at least, you are not “married” to your Obamacare 2014 plan. You can still make a change and live to see another day.

 

Can my Obamacare 2014 plan be returned for a different model?

In most cases yes. In some situations it takes 10 minutes. But if you bought on the exchange and you want a DIFFERENT subsidized plan the answer is, forget it. You may be able to exchange one subsidized plan for another but getting there won’t be easy or a lot of fun.

Moving from a subsidized plan to one OFF the exchange (no subsidy) should be simple. Moving from a non-exchange plan to another non-exchange plan can be accomplished in 10 minutes.

 

Why would I want to change my 2014 Obamacare plan?

Many reasons.

Maybe you just came out of the ether are realized the plan you bought has no copay’s and you have to fund the first $6000 or more before the plan pays. Or you bought a plan with an HMO network and there is only one hospital in the network. If you bought a Blue Cross plan (on or off the exchange) and thought “Everyone takes Blue Cross” you need to understand about 70% of the docs and many hospitals in the Blue HMO are not included in your plan.

We have several carriers and plans off the exchange that may be a better fit for you. One 2014 Obamacare plan that is only available outside the exchange limits your out of pocket expenses to $950 per year. If you are one that will be using their plan a lot you really should consider this one. We have several people that use over $1000 per month in prescription drugs and this plan is a perfect fit. After January they will never have to pay for another Rx or doctor visit.

What a country!

We will be glad to discuss options or you can go through the drive through and use our free and easy quote engine to shop and compare rates at ACA Health Insurance Georgia.

 

Did you lose your doctor(s)?

It happens. Many doctors are not participating in Obamacare 2014 and especially if you bought on the exchange. But there is a wide range of options outside the exchange and most of these plans (except Blue Cross) have most of the doctors and hospitals in Georgia. Even if you wander into a doctors office that is not in network you still have coverage for most non-emergency care situations.

If you did lose your doctor because you signed up for an HMO it is not too late to get back into a PPO. Shop and compare!

 

Can’t afford your high deductible?

High deductible plans are great as long as you are in good health. But if you normally use your plan a lot, with doctor bills, hospital stays and high prescription drug costs you may actually come out ahead with a lower deductible plan.

We have plans off the exchange with $0 deductibles, $950 and $1000 deductibles. It is so fast and easy to shop and compare plans and rates on ACA health insurance.

 

Did you get what you wanted and needed?

If your Obamacare 2014 plan isn’t a good fit exchange it now before it is too late. You only have a few weeks left to still get a 2014 Obamacare plan that works the way you need it to.

Obamacare Cancels Policies on 650,000

On December 31, 2013 650,000 participants in the GA SHBP (state health benefit plan) lost their old health insurance plan. Why? Because Obamacare cancels policies when they don’t meet federal requirements. obamacare cancels policies

The Georgia State Health Benefit Plan provides health insurance for all state employees. Municipal groups and school systems can opt into the SHBP or establish their own plan. TRAGIC, a group started by Ashley Cline, vows to fight the state over their loss of coverage. Teachers Rally Against Group Insurance Changes (TRAGIC) is a Facebook group that has made numerous calls to the Governor’s office and plans a rally at the capitol steps on February 18, 2014 to make their frustrations known.

In spite of the presidential promise over the last four years that you can keep your plan, the fact remains. Obamacare cancels policies.

As pointed out in my earlier post, their cause is noble but misdirected. The loss of their prior plan was mandated by Obamacare and had nothing to do with the new TPA (Blue Cross), the Governor or the Department of Community Health that awarded the contract to Blue Cross.

I tried to explain this to the group and to Mrs. Cline but my counsel fell of deaf ears. Now they are back in the news again.

Cline said the plan to call was the first action step for the group and was posted this week.

“This week we’re going to contact the governor in force … we’re also going to turn our sights toward contacting the nine-member board who makes these decisions,” Cline said. “Our goal is to impact decision in the future.”

Cherokee Tribune

The contract with Blue Cross is for 3 years. The plan design is sanctioned by ACA. The benefits they had prior to 1/1/14 are too costly to continue in light of the new ACA mandated Essential Health Benefits and other provisions the federal government believes you should have. If your plan isn’t one the government likes then your policy is cancelled because it isn’t an Obamacare design.

The Cherokee county school district, and any other district that does not like the SHBP plan design should develop their own plan that complies with ACA rules.

Jamie Lynn Wills, mother of two and a teacher in Cherokee County, said she’s just starting to see the impact of the changed health insurance plan.

“The biggest impact so far, is that I can no longer take my children to see their doctor,” Wills said. “I just lost it on the phone, I broke into tears. It’s an emotional thing because they know my children. The doctor was there when one of my daughters was born. She knows my children inside-out.”

Wills said her family was “so attached” to their pediatrician, and now they can’t see her again.

Actually, that Ms. Willis is misinformed.

She and her family members are free to use any doctor they wish. If they use a non-par doctor they will simply pay more for the services.

In making the switch to an Obamacare plan design Blue Cross priced the benefits based on a limited POS network. During the open enrollment period in October, 2013 employees were given summaries of the 3 new plans so there should not have been any surprises on January 1, with one exception.

The materials we received indicated the plan would use a much broader Blue Cross PPO network.

That was a misrepresentation.

My wife and I also have coverage through the SHBP. We selected a Bronze plan and made sure our doctors were in the PPO network.

They were, but they are not in the POS network actually used by Blue Cross. Wonder how that happened?

We know that Obamacare cancels policies and we can roll with the punches. Our medical needs are minimal and changing a few doctors is not an issue for us but I do understand the frustration expressed by Ms. Willis and others in their group. Communication about the new plan design during open enrollment was sketchy at best. Neither Blue Cross nor the consultant for our school system were helpful or knowledgeable. No doubt we would have been in worse shape had we not known the questions to ask and how to properly evaluate the new plans.

I empathize with the members of TRAGIC but they are not the only ones impacted by Obamacare. This scene will continue to play out in the private sector as employees review their new benefit levels and try to use their plan over the next few months. The SHBP impacts not only teachers, but 650,000 Georgia citizens that lost their old plan due to Obamacare.

Obamacare is here to stay and with it comes leaner health insurance plans with higher deductibles and higher premiums. If employers and employees are willing to pay even higher premiums they can get some semblance of their old coverage back, but I doubt many can afford that move. It is time to accept the fact that Obamacare cancels policies.

The Baby Daddy and Obamacare

Who is the baby daddy? In many cases it is #Obamacare. If you bought a subsidized Georgia health insurance plan from the baby daddyObamacare  exchange working taxpayers are funding at least a portion of your cost of your premiums. When you bring a baby into the world you need to tell the insurance company and Obamacare.

Why?

Because Obamacare is your baby daddy.

With regular private insurance, parents just notify the health plan. Insurers will still cover new babies, the administration says, but parents will also have to contact the government at some point later on.

Yahoo News

Working taxpayers, by way of the federal government, are providing tax breaks (premium subsidies) so you can afford to have health insurance. Since we are paying some of your bills we need to know when you have a baby (or adopt). We are your baby daddy.

Such changes affect financial assistance available under the law, so the government has to be brought into the loop.

That new baby may mean your taxpayer funded subsidy amount will change. Your gross premiums will increase. That is a given. But your net (after subsidy) may also increase.

But wait. There’s more.

It’s not just having a new baby that could create bureaucratic hassles, but other life changes affecting a consumer’s taxpayer-subsidized premiums. The list includes marriage and divorce, a death in the family, a new job or a change in income, even moving to a different community.

When you sign up for Obamcare the federal government needs to know more about your (formerly) private life. This includes marriage, divorce, children turning 19, moving to a new zip code  . . .

The role of the baby daddy is much expanded.

Insurers say computerized “change in circumstance” updates to deal with family and life developments were supposed to have been part of the federal system from the start.

But that feature got postponed as the government scrambled to fix technical problems that overwhelmed the health care website during its first couple of months.

“It’s just another example of ‘We’ll fix that later,'” said Bob Laszewski, an industry consultant who said he’s gotten complaints from several insurer clients. “This needed to be done well before January. It’s sort of a fly-by-night approach.”

No surprises here. Just more examples of incompetence in the Obama administration.

Just like many real life baby daddy’s, the Obama administration wants no part of actually taking care of matters. Big on promise, short on follow through.

Typical baby daddy.

Obamacare Plans Block Access to Health Care

Thousands of patients are scrambling to get medical procedures done before the new year. Why? New Obamacare plans block access to health careaccess to health care providers.

Those who were receiving medical care before being forced to sign up to a new plan on HealthCare.gov will, in many cases, be locked out of hospitals and prevented from seeing doctors who they had typically used. The WSJ contends that about 70% of new plans are more restrictive in the range of doctors and hospitals available to patients than their predecessors.

Breitbart

Most ACA Obamacare health insurance plans sold on the exchange in Georgia are HMO policies with limited access to health care from doctors and hospitals. Some plans only have one hospital in network. If you live in rural Georgia you may drive past several hospitals to get to one that is in your network.

If you buy a Blue Cross of Georgia plan your only choice, on or off the exchange, is an HMO. When you have an HMO you have limited access to health care.

If you want unfettered access to health care you need to consider broad network PPO plans available OUTSIDE the exchange. Bob Vineyard at Georgia Insurance Shop can help you choose from up to 80 different ACA health insurance plans that are only available off the exchange.

Supporters of the Affordable Care Act may argue that procedures will continue to be available, the plans severely curb access to health care from certain doctors and hospitals, preventing patients from getting the level of care they are used to at their usual price. In particular, insurers now using the Obamacare system have begun to exclude major academic institutions from their coverage, as these compete with cheaper community hospitals ostensibly providing the same service.

Under Obamacare it is no longer your doctor, your choice, if you buy from the exchange.

If you already bought an exchange plan, or a BCBSGA plan (on or off the exchange) it is not too late to correct your mistake. Let us help you find a plan that fits your needs and budget and gives you full access to health care.

 

If You Like Your Doctor . . . .

Everyone remembers the (broken) promise of “If you like your health insurance plan, you can keep it. Period”, but fewer remember, or made note of, the second broken promise. “If you like your doctor, you can keep if you like your doctor emanuelthem. Period”.

Enter the spinmaster.

Chris Wallace, said: “President Obama famously promised, if you like your doctor, you can keep your doctor. Doesn’t that turn out to be just as false, just as misleading, as his promise about if you like your plan, you can keep your plan? Isn’t it a fact, sir, that a number, most, in fact, of the Obamacare health plans that are being offered on the exchanges exclude a number of doctors and hospitals to lower costs?”

“The president never said you were going to have unlimited choice of any doctor in the country you want to go to,” said the Obamacare architect (Dr. Ezekiel Emanuel).

Weekly Standard

Dr. Ezekiel Emanuel is the brother of former White House Chief of Staff Rahm Emanuel.

It seems arrogance runs in the family.

(Chris Wallace) “It’s a simple yes or no question. Did he say if you like your doctor, you can keep your doctor?”

(Emanuel) “Yes. But look, if you want to pay more for an insurance company that covers your doctor, you can do that. This is a matter of choice. We know in all sorts of places you pay more for certain — for a wider range of choices or wider range of benefits.The issue isn’t the selective networks. People keep saying, Oh, the problem is you’re going to have a selective network–“

What Dr. Emanuel is saying is true. If you don’t mind limiting your choice of doctors or hospitals you can buy your policy on the exchange. If you are willing to pay more to see your non-network doctor, that is your choice.

But if you like your doctor, and want to keep your doctor, you should consider buying your plan OUTSIDE of the exchange where you can get full PPO networks.

Shop and compare OFF exchange plans. Your doctor, your choice.

 

Is Your Doctor Boycotting Obamacare?

One of the questions still remaining about ACA is this. Is your doctor boycotting Obamacare? Just because you have a health doctor boycotting obamacareinsurance card in your pocket, does not mean you have unfettered access to affordable health care. Health insurance bought on the exchange means you have coverage with limited doctor and hospital networks.

Your doctor,your choice becomes your doctor, no choice.

Shop and compare plans from your trusted ACA health insurance friends.

 

Is Your Doctor Boycotting ACA Health Insurance Coverage?

Ask if your doctor is in network before you buy a health insurance policy. Here is what Dr. Bill Grace has to say about doctors boycotting Obamacare.

“Right now that back end (of healthcare.gov) is in chaos. … We don’t even know if we should sign up for these plans, because we have a suspicion that many of [them] offer very little reimbursement or offer a loss to the physicians who are going to see these patients,” Grace told Larry Kudlow on CNBC’s “Kudlow Report”.

“No physician wants to take money out of his pocket and put it in the government’s.”

CNBC

Most exchange based ACA plans use HMO networks. In some cases there is only one hospital in the network and that hospital may be miles away.

How many doctors offices and hospitals will you drive by on your way to get to a health care provider that participates in your plan?

Your exchange based health insurance plan does not guarantee you access to affordable health care.

The solution is to buy OFF the exchange.

Georgia Insurance Shop, your trusted ACA health insurance resource,  offers plans only available outside the exchange. Each plan has a broad network that allows you to keep your current doctor.

Your doctor, your choice.

Shop and compare up to 40 different ACA health insurance plans (with more on the way). Follow this link to shop for coverage.

 

Limited Doctor and Hospital Networks

But as Obamacare puts more people in the Medicaid system, Grace said fewer doctors are treating Medicaid patients.

“The problem is, who’s going to care for you when you have Medicaid?” he said. “For an hour-and-15-minute evaluation of a cancer patient, I get $6.50. That won’t even pay for the electricity. What kind of physician will you get … what kind of specialist will you get?”

With reimbursement that low is it any wonder why doctors are boycotting Obamacare?

Let us help you find a health insurance plan that fits your needs and budget and allows you to use any doctor.

Obamacare, What a Country!

Obamacare, what a country! Need health insurance? Can’t log in to the government website? Can’t qualify for a subsidy because of the what a countryfamily glitch? Or the employer glitch? Can’t find your doctor, or any doctor in your exchange based Obamacare plan? You can find a doctor but can’t get an appointment?

 

Obamacare, what a country!

Do you need health insurance but can’t log in to healthcare.gov?

No problem. It’s a feature, not a bug.

Concerned that you have signed up but have not received your policy yet? You should be if you applied through the exchange.

“Until the enrollment process is working from end to end, many consumers will not be able to enroll in coverage,” said Karen M. Ignagni, president of America’s Health Insurance Plans, a trade group.

The issues are vexing and complex. Some insurers say they have been deluged with phone calls from people who believe they have signed up for a particular health plan, only to find that the company has no record of the enrollment. Others say information they received about new enrollees was inaccurate or incomplete, so they had to track down additional data — a laborious task that will not be feasible if data is missing for tens of thousands of consumers.

NY Times

You just THINK you have coverage.

What a country!

Every 2014 ACA compliant health insurance plan offered by Bob Vineyard at Georgia Insurance Shop has been approved and issued in days.

Every one.

 

Can’t Find a Doctor?

Even if you receive your policy your problems are just beginning. Most of the exchange plans offered in Georgia are HMO’s with very strict rules and extremely tiny networks.

If you currently have a doctor, chances are pretty good they will not be in any exchange networks. Even if you are lucky enough to find your doctor in the network, getting an appointment may be a problem.

Most doctors are limiting the number of exchange patients they are willing to see and setting up a waiting list for those who want to schedule an appointment.

The problem?

Exchange based plans, especially the HMO plans, pay less for patient care than a typical PPO plan. Also, some of the consumer “safe guards” built into exchange plans mean doctors may never be paid for the care they give.

What a country!

Jeffrey D. Zients, the presidential adviser leading the repair effort, said he had shaken up management of the website so the team was now “working with the velocity and discipline of a high-performing private sector company.”

Mr. Zients said 50,000 people could use the website at the same time and that the error rate, reflecting the failure of web pages to load properly, was consistently less than 1 percent, down from 6 percent before the overhaul.

So the website is working faster and smoother, but if you can’t get a health insurance policy . . . .

For insurers the process is maddeningly inconsistent. Some people clearly are being enrolled. But insurers say they are still getting duplicate files and, more worrisome, sometimes not receiving information on every enrollment taking place.

“Health plans can’t process enrollments they don’t receive,” said Robert Zirkelbach, a spokesman for America’s Health Insurance Plans.

Despite talk from time to time of finding some sort of workaround, experts say insurers have little choice but to wait for the government to fix these problems.

This makes website accessibility issues seem minor, if you never know if you are covered or not.

Try the 5 minute, no hassle process. Look for ACA compliant plans OFF the exchange. Click here to shop and compare.

What a country!

 

Obamacare Good, Bad and Ugly

Obamacare is good, bad and ugly . . . all at the same time. Anyone can now have health insurance but what if only the sick ones apply? Why did PCIP go away and where did it go wrong? Is COBRA still an option? obamacare good bad ugly

Which is better, COBRA or Obamacare?

Obamacare is a polarizing topic. Most hate it, some love it, few are indifferent. Setting politics aside, let’s look at what is right, what is wrong and what is disastrous.

My personal (and professional) opinion is that the law is a disaster. Ill conceived (but with good intention) Obamacare was drafted by people who have no idea how health insurance works. These are the same folks that decided it was a good idea to force banks to give everyone a mortgage, regardless of their ability to replay the loan.

Now Congress has decided to tell health insurance carriers to offer health insurance to anyone without regard for the ability to pay their premiums and to ignore the normal risk calculation model that has worked well for over 100 years.

Obamacare will start to disintegrate by the middle of 2014 and will be completely gone by the end of 2016.

But for now we have to deal with the fallout of Obamacare.

 

Obamacare, The Good

In just the last few weeks I have helped people find affordable coverage OUTSIDE of the exchange. Everyone of them would not have been able to purchase health insurance if not for Obamacare. One person will have her arrthitic hip replaced. Another will have surgery to remove a cancerous tumor.

Several others were on high risk plans especially designed for someone with a pre-existing condition. Because of Obamacare, those plans were discontinued.

PCIP, the presidents Pre-existing Condition Insurance Plan ran out of money in March of 2013 and stopped taking new applications. Anyone needing health insurance had to wait until October and sign up for a plan for a January, 2014 effective date.

Makes you wonder how long Obamacare will be around.

 

Obamacare, the Bad

While the government expects 5 million to sign up for coverage during the initial enrollment period, an estimated 15 to 90 million will LOSE their health insurance because of Obamacare.

If you like your health insurance plan, too bad. You can’t keep it.

Almost without exception premiums under Obamacare are rising. Same for deductibles and out of pocket maximums. If you buy your Obamacare plan on the exchange don’t plan on keeping your current doctor. He or she probably will not participate in exchange based Obamacare health insurance plans.

PCIP is no longer needed. COBRA is still law but now you have a choice.

 

Obamacare, The Ugly

Obamacare, good, bad and ugly.

What is ugly about Obamacare? Where do I start?

The non-working $600 million website? Charity hospitals that will reduce staff and services. In some cases hospitals on the fringe will close because of Obamacare.

Businesses have closed, laid off employees and cut hours because of Obamacare. More closures, layoffs and reductions will come.

When Obamacare crashes and burns, and it will, I wonder how much money will have been wasted, how many people will be worse off than before. “Fixing” the problems with health insurance could have been accomplished a lot quicker, with less money, less turmoil and better results.

Obamacare can be good, but there is more bad and REAL ugly.

 

 

Health Insurance Health Care – Not The Same

If you are like most people you equate health insurance with health care. Not even close. You can fund health care with health obamacare health insuranceinsurance but just because you have health insurance does not mean guarantee unfettered access to health care.

 

ACA  Health Insurance and Health Care

The Affordable Care Act is a misnomer on so many fronts.

There is nothing affordable about Obamacare health insurance.

Just because you have an ACA health insurance policy does not mean you will have access to health care.

as California’s Medicaid program is preparing for a major expansion under President Obama’s health care law, Dr. Mazer says he cannot accept additional patients under the government insurance program for a simple reason: It does not pay enough.

NY Times

Georgia did not expand Medicaid. Politics aside, the reason was economics.

Georgia has a balanced budget.

Washington does not.

Georgia does not have the money to expand Medicaid. Even if Georgia citizens had access to Medicaid there is no guarantee they would also have health care.

Medicaid for years has struggled with a shortage of doctors willing to accept its low reimbursement rates and red tape, forcing many patients to wait for care, particularly from specialists like Dr. Mazer.

Yet in just five weeks, millions of additional Americans will be covered by the program, many of them older people with an array of health problems. The Congressional Budget Office predicts that nine million people will gain coverage through Medicaid next year alone. In many of the 26 states expanding the program, the newly eligible have been flocking to sign up.

In the Medicaid expansion states, about 70% of Obamacare enrollee’s are going on Medicaid. Most of the new Medicaid enrollee’s are older and sicker than the general population.

This is not unique to Medicaid.

ACA Obamacare Health Insurance, Older, Sicker

Young people are not flocking to buy Obamacare health insurance. Higher premiums under Obamacare, especially for young people is a negative. Many are covered under their parents plan until they turn 26. Obamacare made it possible for “young adults” to be classified as children, even if they are living on their own, or even married.

Makes you wonder if anyone in DC thought this out.

If Obamacare is to work the health insurance carriers need young, healthy people.

Instead it is the older, sicker people signing up for ACA health insurance.

obamacare means higher premiums

Your Doctor, Your Choice

Georgia Insurance Shop specializes in finding affordable health insurance OFF the exchange.

Most Obamacare plans offered on the exchange in Georgia are HMO’s. Limited doctor and hospital networks. In some cases you only have one hospital and it may be 50 miles away or more.

When you buy OFF the exchange here is what happens.

You can almost always keep your doctor.

Unless you buy from Blue Cross or Kaiser, you will have access to a national PPO network.

Lower deductibles, less out of pocket. One popular health insurance plan has a low $950 deductible. After that all your expenses are covered at 100% for the balance of the year.

Shop and compare health insurance now.

Our 5 minute, no hassle health insurance application gives you access to instant health insurance, and unfettered access to health care.