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Welcome to BenefitStudio.com. At our health insurance web site, you'll be able to get an instant health insurance quote and purchase your coverage all online.  If you're a California (northern, central or southern) resident and you're looking for Individual & Family Health Insurance, Short-term Health Insurance, Student Health Insurance, Health Savings Accounts (HSA), Dental Health Insurance, Medical Supplement Insurance, Small Business Group Health Insurance, Term Life Insurance, Children's Health Insurance and Travel Health Insurance; BenefitStudio.com can provide you an instant insurance quote so that you may compare health insurance premiums amongst some of the largest health insurance carriers operating in California.

Remember, health insurance premiums are regulated by the California Department of Insurance.  Therefore, you cannot find a better health insurance rate for the same health insurance product.  We invite you to request a health insurance quote today by utilizing our quote engine shown above.  Why deal with phone tag and the cumbersome process of finding health insurance rates to compare?  Finding rates and buying health insurance online has never been easier. BenefitStudio.com is owned and operated by a Southern California licenced insurance agency.

Anthem Blue Cross, Blue Shield of California, PPO, HMO, HSA...with so many California health insurance plans to choose from, how do you know which health plan is right for you?  Benefit Studio Health Insurance offers health plans from the top California health insurance carriers including Anthem Blue Cross , Blue Shield of California, Health Net, Aetna, Kaiser Permanente and other carriers.

With hundreds of health plans available in California it can be difficult to decide which health plan is best for you and your family.  At Benefit Studio Health Insurance, we'll help you sort through the myriad of California health insurance plans to find the plan that's right and affordable.

We are providing you with the following guidelines to help you narrow down the many choices available so you can find the right plan for you.  Of course you can always give us a call if you would like help in determining which plans fit your needs.  We're here to assist you in any way we can to make the process of purchasing your health insurance pleasant and easy.

The two largest health insurance carriers in California are Anthem Blue Cross and Blue Shield of California.  At Benefit Studio Health Insurance, we not only offer plans from Anthem Blue Cross and Blue Shield of California, but we also offer health plans from the other top health insurance carriers in California.  It's important to compare premium quotes from different health plans, but what benefits do you get for your monthly premium?  Look beyond just the quoted premium of a health plan and consider what benefits in a health insurance plan are most important to you.  What is covered and what is not in your CA health insurance plan.

Focusing on the health insurance benefits you need most is the first step in finding a health insurance plan that not only offers the coverage you need, but is affordable as well.  The health plan with the lowest premium may not give you the financial protection you need if you get sick, have an accident or otherwise need to seek medical attention.  A comprehensive health plan that covers a wide range of services and benefits may cost more in premium, but could actually save you money over a basic or "catastrophic" plan on the other end of the spectrum where you would pay a much larger share of the costs when you receive medical care.

Here are some tips to help you narrow down the list of CA health insurance plans when deciding which plan will be the best fit when shopping for California health insurance.  Start by deciding which type of benefits are most important to you.  What benefits have you used most in the past?  How much of the medical expenses could you reasonably pay yourself if you have a major medical event?


CA HEALTH INSURANCE BUYING TIPS

Use the following list to focus on the most important benefits.  Then you can compare the plans with the benefits that best fit your coverage needs.

PPO - Is a type of medical plan that generally has a large network of participating doctors and hospitals covered by your plan important to you?  Do you want to be able to see a specialist without having to obtain a referral from your primary doctor?  Preferred Provider Plans (PPO) offer the largest networks of participating doctors and hospitals.  With a PPO you also have the option of getting medical care outside of your PPO network, although you will pay more if you receive care from a provider that is not in your network.

HMO - Another option is a Health Maintenance Organization (HMO).  Although not as popular as PPO health plans, many people prefer them due to their simplicity.  You can obtain most services for a low copayment and usually no coinsurance requirement.  The tradeoff with an HMO is you must stay in network to receive covered medical services.  HMO networks are normally smaller than PPO networks and a referral is required from your primary care doctor to see a specialist.

Maternity Benefits - While the cost of California health insurance plans vary widely, and it's important to choose a health plan that has the benefits you need, you may be able to save money by choosing a plan without certain benefits.  If maternity benefits are not important to you, look for a health plan without maternity benefits.  This alone could save you hundreds of dollars annually on your California health insurance plan.

Deductible Amount - Except for services where you are only responsible for a copayment, the deductible is the amount you pay before the insurance plan pays anything.  If you're willing to pay more of the upfront costs when you need medical care, choosing a higher deductible can help keep your insurance premiums lower.

Copayment (Copay) - The copay is a flat fee you pay at the time of service.  After paying the copayment, the plan usually pays 100 percent of the balance of covered services.  Some California health insurance plans allow you to visit the doctor's office for a low copay without having to meet your annual insurance deductible.

Coinsurance - In addition to the deductible, when comparing California health insurance plans, pay attention to what coinsurance amount you will be responsible for after your deductible is met.  Coinsurance is the percentage of the charges you are responsible to pay for covered medical services apart from any copays or your deductible.

Out of Pocket Maximum - The out of pocket maximum is the maximum amount per year you'll have to pay for covered medical services.  After reaching you're out of pocket maximum, your California health insurance plan pays for any additional covered medical expenses up to the plans lifetime benefit amount.

Prescription Drug Coverage - When it comes to prescription drug coverage, some health insurance plans keep the premiums lower by covering only generic prescription drugs.  Keep in mind there are many generic prescription drugs available, but not every prescription drug is available in generic form.

Preventive Care Services - In order to encourage healthy lifestyle habits and thereby reducing future medical expenses, many health insurance plans offer low or no copayments or other financial incentives for preventive care services such as physical exams, immunizations, annual gynecological exams, mammograms, prostate exams and cancer screenings.

Health Savings Account (HSA) - Interested in a health plan that will help you save money on your tax bill?  Consider a Health Savings Account (HSA) compatible health plan.  A Health Savings Account (HSA) combines high deductible health insurance with a tax-advantaged medical savings account.  Withdrawals used to pay qualified medical expenses, including your insurance deductible, coinsurance or co-payments are federally tax-free.

Whether you are looking for a health plan from a specific California health insurance carrier such as Anthem Blue Cross (formerly Blue Cross of California), Blue Shield of California, or any of the top health insurance carriers in California - Benefit Studio Health Insurance will help you find the best plan at the lowest price.

Benefit Studio Health Insurance works with people from all areas of California - San Diego County, Orange County, Los Angeles County, Marin County, Sacramento, San Francisco, San Jose, Fresno, Long Beach...whatever part of CA you call home, give us a call, or apply online...we look forward to helping you.