For Individuals Under 65
Marcella L Berardi-Stovik is approved to sell comprehensive health insurance by several of California’s top insurance companies, including on the Covered California exchange. If you have a pre-existing health condition and plan to use a lot of health services during the year, or if you qualify for a premium subsidy which allows you to have full coverage at a lower premium, or you are looking to avoid paying the Covered California tax penalty for non-compliance, our health insurance solutions are a good option for you. Use the quote buttons to the right to shop plans.
Note: If you are exempt from Covered California’s insurance mandate, you may want to consider an affordable Supplemental Health Plan designed to protect you and your family’s physical health and financial wellness, without breaking the bank.
Marcella (Marcie) L Berardi-Stovik is a California Health Insurance Advisor providing FREE support, education and guidance to help you find the right health insurance solution for your needs. And, because she is an independent agent, you’ll have access to many of California’s health plans ensuring you find the plan that covers all or most of your healthcare costs at the lowest premium possible. Hit the button to the left to contact Marcie.
Individual Health Open Enrollment
November 1 to December 15th
You can renew your current health plan, and/or change your health coverage during this time. Shop our carriers below.
Get Quotes & Buy a Plan
More about California’s healthcare laws and insurance programs.
TYPES OF MAJOR MEDICAL (COMPREHENSIVE) HEALTH PLANS
Health Maintenance Organization Or HMO
An HMO offers lower premiums and a significant savings on routine and preventative healthcare. However, this type of health plan requires you to appoint a primary care physician and to use doctors and facilities that are affiliated with the HMO. Thus, if you use healthcare service providers outside of the HMO, there is a good chance those charges won’t be covered by your policy. But, the great thing about an HMO is that the only charges you incur, outside of your premiums, are co-pays for doctor’s visits and other services such as procedures and prescriptions.
Preferred Provider Organization Or PPO
A PPO will save you money on services if you use the preferred providers within the network. Keep in mind that deductibles must be met on this plan before some services will be covered. The good thing about a PPO is they generally will allow a certain amount of services annually outside of the deductible with a small co-pay, and most often the PPO has a large network with quality care providers and excellent prescription drug coverage.
Health Savings Account (HSA)
An HSA is a tax-advantaged bank account tied to certain high-deductible health plans. It allows you to use tax free dollars to pay for allowable health expenses, such as copays, prescription drug costs and more.
Most insurers include wellness benefits in their comprehensive coverage, designed to improve lives and keep members healthy. Your plan from the Covered California will generally include services like preventative screenings, free or discounted gym memberships, diet advice, disease management, telehealth, and much more.
- Ambulatory patient services
- Emergency services
- Maternity and newborn care
- Prescription Drugs
- Mental health and Substance Abuse disorder services
- Rehabilitative and habilitative services and devices
- Pediatric services, including oral and vision care
- Preventive and wellness services, and chronic disease management
With today’s high cost of medical care, it is just no longer an option to go without healthcare insurance. One accident or illness can be financially devastating. You need to protect yourself and protect your family. In fact, according to a new study 66.5% of all personal bankruptcies that were filed were due to illnesses and accidents leaving individuals unable to work and strapped with medical bills. Whether you qualify for a subsidy or not, a comprehensive health plan can help you avoid financial ruin.
Additionally, Non-ACA alternatives such as Short Term Health Insurance, and/or Critical Care or Hospital Indemnity Plans will cost you about a third of what an unsubsidized major medical plan costs, and will protect your finances so you can focus on your health and getting better, should you have an accident or unexpected illness. Click here to learn more about NON-ACA Plans. Note that Non-ACA options, however, have limitations and in some cases, do not cover certain and/or preexisting conditions.