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Health InsuranceProviding affordable health care coverage continues to be one of the greatest challenges for today's families and for employers. Offering health insurance benefits can also help you attract and retain key employees.

The most common health insurance options are:

Preferred Provider Organizations (PPOs)
A Preferred Provider Organization (PPO) provides a list of contracted "preferred" providers from which you can choose.

Health Maintenance Organizations (HMOs or Managed Care)
Membership in a Health Maintenance Organization (HMO) requires plan members to obtain their health care services from doctors and hospitals affiliated with the HMO. California HMOs are required to cover medically necessary emergency services even when outside of their coverage area.

Group Health Insurance versus Individual Health Insurance
Group health insurance offers certain advantages over individual health insurance policies. The waiting period for preexisting conditions is six months, not one year as with individual policies. Medical underwriting rules for small group health insurance (2-50 employees) differs from large group and individual health insurance policies. Regardless of any preexisting condition, you must be offered coverage under a small group policy on a guaranteed issue basis. However, the small group insurance company can utilize the six-month waiting period for preexisting conditions.


Contact Foothill Family FinancialGet Quoted Now!

Foothill Family Financial can insure that you are not overpaying for your insurance. Each and every advisor is an expert in their field and is dedicated to a specific area of coverage.

Contact Foothill Family Financial for an instant quotation on Health Insurance, or any of our other offerings.
 
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Life spans in the United States have been increasing for over a hundred years. It is now common for people who reach retirement age to live 20 years or more in retirement, most of those years in good health. The U.S. Census predicts that by 2030 close to 1 out of 5 Americans—some 72 million people—will be 65 years or older, twice as many as in 2006.