celtic

now browsing by tag

 
 

Health Insurance Companies in California

Top 10 California Health Insurance Providers:

So there are about a handful of health insurance companies in California that are affordable and offer competitive health insurance plans

  1. Pacific Care
  2. Aetna
  3. Aetna (AARP Brand)
  4. Kaiser
  5. Blue Shield of California
  6. Anthem Blue Cross
  7. Assurant
  8. Cigna
  9. Celtic
  10. Health Net

What you will find in California is that only a small handful of carriers are actually a good fit.
Some California Health Insurance Providers, aren’t competitive due to a number of reasons such as:

Small Networks:

If a carrier has a small selection of providers, what happens when you travel to another state?
You will have an out of network deductible, which pretty much means that bill is coming out of your pocket, because it’s unlikely you will meet your out of network deductible.
Even travelling within California, it’s important to consider a carriers network of doctor’s and hospitals.
What if they are great let’s say is San Diego, but if you go up to Santa Barbara for a new job and find the “pickin’s are slim”?

Small Client base;

Unless you specifically want an HMO plan from Kasier, you really want to stick with the bigger carriers like Blue Cross and Blue Shield and Aetna.
The reason for this is the less consumers who sign up and then what ends up happening is the insured already on the plan experience large rate increases since there isn’t any “fresh blood” coming in to offset their medical claims.
Another consideration when looking at a regional local carrier is that, the smaller the network, the higher your costs will be until your deductible is met.
If you are looking for a PPO plan from health insurance companies in california such as Aetna, Blue Cross and Blue Shield for example, you will find that your costs until your deductible are met will be lower vs a non player such as Celtic or Assurant Health.
Compare california health insurance plans that are similar in deductible , copays and design from the major players in your country.
Also if you need California Dental Insurance, California Group Health Insurance, California Life Insurance or California Auto Insurance comparisons we can help with that as well!