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© 2019 Strandlife Financial Group

HEALTH 

MAINTAIN A BALANCED LIFESTYLE WITH HEALTH INSURANCE

You never know when an accident may occur or a health issue will strike, so you should protect yourself with a health insurance policy so you have more options in the unpredictable case of illness.

California health insurance policies most often provide coverage for:

  • Doctors visits

  • Prescriptions

  • Medical Testing

  • Specialized care

  • Surgical procedures

INDIVIDUAL HEALTH INSURANCE PLANS

In 2010, the Affordable Care Act was signed into effect; this law was designed to bring comprehensive health insurance reforms, hold insurance carriers accountable for costs, as well as give more consumers access to health care.

Each year, there is a period of time called “open enrollment”, which runs from November through January. During this time you can shop and apply for a new health insurance plan if you find your current plan unsuitable. Once open enrollment period ends, you cannot buy or change a plan unless you have a qualifying life event (such as losing your current coverage, getting married or having a baby).

Consumers are also offered tax credits if their household income falls below established thresholds. The law also requires penalties, based on income or number of dependents, for consumers who choose not to participate in a health care plan.

Until recently, most people got their health insurance from their employer, and those with lower incomes received coverage from the government. But more and more people are buying private health insurance plans tailor-made for individuals and families.

 

INDIVIDUAL & GROUP MEDICAL INSURANCE

At Srandlife Financial, we take pride in offering viable and affordable health insurance solutions for both individuals and businesses. Whether you’re in need of group health insurance or individual medical coverage, we work with premium carriers who understand the needs of employers and employees alike.

There are several types of medical plans to choose from including:

  • HMO– Health Maintenance Organization Plan

  • PPO– Preferred Provider Organization Plan

  • HSA– Health Savings Account Plan

  • FFS– Fee For Service Plan

With our help, you can determine which individual or group medical insurance policy will work best for your unique needs.