Deciphering Your Quote

What to do after you get California health insurance quote

After you submit the health insurance quote request form, you will be shown a list of California insurance carriers, plans and prices. But there is much more you need to know.

Questions to ask when reviewing your California personal or group health insurance quote

Each insurance carrier has its own rules and ways it handles co-pays, how pre-existing conditions are dealt with, and more. Before you decide on an insurance policy it's good to understand their rules so that you don't end up with an insurance plan that is not right for you, your family, or your employees. Here are some questions you should seek answers for in any plan you research:

• What medical conditions are excluded from coverage?
• How does the insurance policy handle pre-existing conditions?
• Are prescription drugs included in your policy? Is the prescription co-pay or deductible handled separately?
• What about outpatient coverage?
• Does the provider allow for wellness checkups and how much do they cover?
• How do you get approval to see a specialist or go to the hospital?
• Which doctors are you allowed to see?
• How does the insurance provider determine co-pays?
• Do you have the option of having a higher deductible to reduce your premiums?
• Is there a lifetime maximum benefit?
• What are the expected rate increases?

So how can we help?

With over a decade of experience in the world of health care, the insurance agents here at Taylor Benefits in San Jose, California can use their knowledge of the system to get you the best value in a health insurance policy.  We have the answers to all those questions and want to share them with you so you can make an informed decision. Shortly after you submit the form, we'll contact you to see if we can help. If you're rather not talk, that is not a problem. There is never any pressure.

Our online California health insurance quote request form is here for you to use however you see fit, free of charge and obligation.

In addition, if you reside in or near San Jose, California we'd be happy to arrange an appointment with you so we can sit down and discuss your health insurance needs. Please call our office now to schedule that time.