Health Insurance

Health insurance is just a phone call away with Bill Proctor & Associates Insurance Services. Whether you are searching for individual health insurance, or coverage for your family or employees, our friendly agents can help you find the right policy. Here is some information about health insurance.

Individual & Family Plans

Individual health insurance is certainly attainable through Bill Proctor & Associates Insurance Services. Don’t believe the naysayers who tell you that individual health insurance it too expensive to even consider. With the client pools available these days, you can certainly find an individual policy that will give you protection for everything from either catastrophic injury or illness to your daily health maintenance.

Health insurance for the family can be tailored to the needs of your family. For instance, a family with small children may benefit from an HMO policy that features a low copay for doctor visits and prescriptions. This way, when the kids start passing around stuff they caught at daycare or school, you won’t go broke on the repetitive doctor visits and follow-ups, much less the tidal wave of prescriptions. On the other hand, maybe the kids have finally moved out. You and the spouse are in good health, and hardly ever go to the doctor Your pocket-book may benefit from a higher deductible and lower premiums than you’ve previously had. You’ll still have the catastrophic coverage you need for emergencies, but with lower monthly outlay.

Covered California™

Millions of Californians will be able to choose affordaCertified-Agent-Logoble, quality health insurance coverage offered through Covered California™ that will take effect January 2014. You will also be able to learn if you qualify for Medi-Cal. Covered California is a new, easy-to-use marketplace where you and your family may get financial assistance to make coverage more affordable and where you will be able to compare and choose health coverage that best fits your needs and budget. By law, your coverage can’t be dropped or denied even if you have a pre-existing medical condition or get sick.

You may have thought you couldn’t afford health insurance, but Covered California will provide the tools for you to shop for health insurance that meets your health care needs and financial realities. The federal law called the Patient Protection and Affordable Care Act provides a number of ways for individuals and employers to help make coverage more affordable. For individuals, financial assistance is available on a sliding scale, with more support for those who earn less. Covered California will help you determine if you qualify for these types of assistance programs.

Covered California is a part of the state of California and was created to help you and your family get health coverage to protect yourself and your loved ones. Having insurance is an important way to stay healthy and to pay for health care if you get sick or injured. Health insurance can not only assure your access to care to keep your body healthy, it also protects your peace of mind — you can rest assured that you will have help when you need it most.

 

Small Business Health Insurance
 Plans (2-25 employees)

small-businessHealth insurance is available for business of all sizes. Even the entrepreneur with just 2 or 3 employees can find coverage options that help make them competitive in the hiring market. So many times, the small businessman with fewer than 30 employees can’t hire qualified workers because those people go to the larger companies that have more benefits. By offering health insurance, you can be more competitive in the hiring market, drawing in the most qualified people who may, otherwise, think that a “job with a big company” is the only way to go.

Large Group Health Insurance
 Plans (26-50+ employees)

Businesses can usually get great discounts on health insurance through Bill Proctor & Associates Insurance Services. An employee pool of over 50 people gains you access to better rates. All of the insurance policies accessed by the Bill Proctor & Associates Insurance Services team include top-notch health care provider networks and streamlined account management. Gone are the days when you had to pay all of your medical bills up front and hope for a refund from the insurance company. With Bill Proctor & Associates Insurance Services, you can get HMO or PPO insurance coverage that offers great copays and modest deductibles. Our independent insurance agency can comparison shop on your behalf to find the best policies for your business situation and for your employees.