Health insurance costs in California are on the rise, but many Californian's have learned the trick to lower health insurance premiums. Why spend a small fortune on health insurance each month when you can lower your costs and still protect yourself against the big things. And use your savings each month to pay for the little things.

The trick is in selecting the right catastrophic plan. Health Net of California has the most cost effective catastrophic plans on the market.

We recommend the Health Net of California SmartChoice PPO plans.

These plans from Health Net are advantageous because as the name implies they are "Simple" to understand and affordable. Basically you have a deductible to pay, and then after the deductible you get 100% coverage on everything from doctor visits to emergency room visits, to hospitalization.  A nice feature of the Health Net SimpleChoice plans is that for woman, your annual GYN visit is covered with a small office visit copay and that's it.  This plan also covers generic and brand name drugs, so no matter what happens with your health, you are protected.  There are several deductibles to choose from as you can see here:

Health Net SmartChoice 15 PPO  =   $1500 annual deductible
Health Net SmartChoice 25 PPO  =   $2500 annual deductible
Health Net SmartChoice 35 PPO  =   $3500 annual deductible
Health Net SmartChoice 50 PPO  =   $5000 annual deductible

Remember, you get 100% coverage after the deductible is met.  It's that simple!

You can sign up online when you run your quote or download and print an application directly from the instant-quotes page. Remember to look at the Health Net SmartChoice PPO plans.

Click here to view instant quotes on these Health Net SmartChoice PPO plans.

One other thing... add an affordable personal accident plan to your catastrophic plan for only an additional $24.95 per month ($29.95 covers the entire family) and let the accident plan pay off your deductible in case of an accident!    Take a peek at an accident plan here. So you can see that at Cal-Health-Plans.com we provide real cost-savings solutions, and not just instant quotes. Call if you have questions or want additional personalized help. We are available days, evenings and weekends by phone at (949) 394-7676. 

Does your plan keep going up in price?

Think about this... plans that cover doctor visits, labs, and all the bells and whistles cost the insurance companies more money. The rising cost of these doctor's services, prescription drugs, etc., continue to rise, and that is why your plan goes up every nine to twelve months.  So if you get a plan that covers less (i.e., a catastrophic plan), the insurance companies are paying less and hence don't need to raise your rates so often. And even if they do go up, it's usually on a fixed percentage basis, so starting with a smaller premium makes the incremental percentage bump less. This is just another reason why a catastrophic plan makes the most sense.

Call if you need help deciding. Sometimes there is a good reason for a more comprehensive plan (i.e., more frequent visits to the doctor), and we are here to assist you in getting the right pan for your individual needs.

Call us direct at (949) 394-7676

Bill Lorenz
California Insurance Lic. 0D61899