Health Insurance

Dive into the world of health insurance with Hit & Go Insurance—a trusted partner in safeguarding your well-being and financial security.

At its core, health insurance is more than just a contract—it's a lifeline that bridges the gap between medical expenses and financial stability. When you enroll in a health insurance plan, you enter into a partnership with an insurance company that shares the responsibility of covering your medical costs. While the insurance company shoulders a portion of these expenses, you contribute through premiums, deductibles, co-payments, and coinsurance, ensuring that the burden of healthcare costs is shared equitably.

But what sets health insurance apart is its versatility and breadth of coverage options. From basic plans that provide essential coverage to comprehensive policies that offer a wide range of benefits, there's a health insurance plan to suit every need and budget. Whether you're seeking coverage for routine check-ups, emergency care, or specialized treatments, Hit & Go Insurance has you covered.

But that's not all—health insurance plans also differ in terms of provider networks, giving you the flexibility to choose the healthcare professionals and facilities that best meet your needs. Whether you prefer the convenience of a broad network that includes a wide range of providers or the personalized care of a smaller network, Hit & Go Insurance has the perfect plan for you.

But we understand that navigating the world of health insurance can be overwhelming—that's why our team of experts is here to guide you through the process. We'll work closely with you to assess your unique healthcare needs, explore coverage options, and find a plan that fits your lifestyle and budget.

Health Insurance

Understanding the importance of health insurance is crucial for safeguarding your well-being and financial security. Here's why you need health insurance:

Financial Protection: Your health directly impacts your quality of life, but unforeseen illnesses or injuries can lead to significant medical expenses. Without insurance, you may be responsible for the entire bill, which could quickly become overwhelming. A health plan acts as a safety net, helping to cover the costs of medical treatment and protecting your finances from the burden of high healthcare expenses.
Mitigating Major Medical Costs: Major medical incidents, such as serious illnesses or accidents, often require extensive treatments, surgeries, and medications that come with hefty price tags. A health plan can help mitigate these costs, providing coverage for essential medical services and ensuring that you receive the care you need without facing financial hardship.
Promoting Preventive Care: With a health plan in place, you're more likely to prioritize routine check-ups and preventive care. These proactive measures not only help you stay healthy and catch potential health issues early but also save you money in the long run by avoiding costly medical treatments that could have been prevented with preventive care.

In essence, health insurance is not just about managing healthcare costs—it's about protecting your health, well-being, and financial stability. By investing in a health plan, you're not only safeguarding yourself against the unexpected but also taking proactive steps towards a healthier and more secure future.

RIGHTS & PROTECTION

Discover the empowerment of the new patient's bill of rights under the law—a beacon of stability and flexibility for individuals seeking informed choices about their health. These essential protections include:

Ban on Discriminating Against Kids with Pre-existing Conditions: Ensuring that children with pre-existing conditions have equal access to essential healthcare coverage, fostering a more inclusive and equitable healthcare system.
Ban on Insurance Companies Dropping Coverage: Providing peace of mind by preventing insurance companies from arbitrarily canceling coverage, safeguarding individuals against unexpected gaps in their healthcare protection.
Ban on Insurance Companies Limiting Coverage: Removing barriers to comprehensive healthcare coverage by prohibiting insurance companies from imposing arbitrary limits on essential medical services, treatments, and procedures.
Ban on Insurance Companies Limiting the Choice of Doctors: Preserving individuals' autonomy and freedom in healthcare decisions by ensuring access to a wide network of healthcare providers without restrictions imposed by insurance companies.
Ban on Insurance Companies Restricting Emergency Room Care: Guaranteeing access to critical emergency medical services without fear of coverage limitations or denials, ensuring that individuals can seek timely and appropriate care in emergencies.
Guaranteed Right to Appeal: Empowering individuals to challenge insurance company decisions through a transparent and accessible appeals process, ensuring that their rights are upheld and their healthcare needs are met.
Coverage for Young Adults on Parent's Plan: Extending healthcare coverage to young adults by allowing them to remain on their parent's insurance plan until the age of 26, providing essential continuity of care during critical life transitions.
Coverage for Preventive Care at No Cost: Promoting proactive healthcare management and disease prevention by covering essential preventive services, screenings, and vaccinations at no cost to the individual, fostering a culture of wellness and prevention.

HOW DO I GET HEALTH INSURANCE?

Step into the world of healthcare affordability and accessibility with Hit & Go Insurance, your trusted partner in navigating California's online Marketplace—Covered California.

Thanks to the Affordable Care Act, Californians now have access to Covered California, a user-friendly online Marketplace where you can shop for a variety of health insurance plans tailored to your needs.

But why go it alone when you can have the expertise of Hit & Go insurance agents by your side? Our dedicated team is here to answer all of your health insurance questions and guide you toward the perfect plan that aligns with both your health needs and your budget.

Through our partnership with Covered California's health insurance marketplace, Hit & Go Insurance is committed to helping you save money and uncover any free or low-cost programs you may qualify for. Even if you're already covered by health insurance, our agents may be able to find a more affordable plan that better suits your needs.

And here's a little-known tip: if you're eligible for job-based insurance, you might want to consider switching to a marketplace plan for potentially greater savings and benefits.

So why wait? Give us a call at 800-308-7708 or stop by one of our offices, where our friendly agents will be delighted to assist you. At Hit & Go Insurance, we're not just here to sell you a policy—we're here to empower you with the knowledge and resources you need to make informed decisions about your health and financial well-being.

These vital protections embody the commitment to equitable access, comprehensive coverage, and individual empowerment within our healthcare system. With the new patient's bill of rights, individuals can navigate their healthcare journey with confidence, knowing that their rights are protected and their health needs are prioritized.

COMMON HEALTH INSURANCE PLANS

Within Covered California, you'll discover four distinct coverage levels, often referred to as health insurance tiers, each offering varying degrees of medical expense coverage:

Bronze: Providing coverage for 60% of medical expenses, Bronze plans offer a solid foundation of protection at an affordable price point.
Silver: Offering coverage for 70% of medical expenses, Silver plans strike a balance between affordability and comprehensive coverage, making them a popular choice for many individuals and families.
Gold: With coverage for 80% of medical expenses, Gold plans provide enhanced benefits and higher levels of coverage, ideal for those seeking robust protection against healthcare costs.
Platinum: Offering coverage for 90% of medical expenses, Platinum plans represent the pinnacle of coverage within Covered California, providing comprehensive protection for those with extensive healthcare needs.

But that's not all—Covered California also offers Enhanced Silver plans, which combine the benefits of a Gold or Platinum plan with the affordability of a Silver plan, offering a compelling option for those seeking enhanced coverage at an accessible price point.

When it comes to selecting the right health insurance plan, knowledge is power. Understanding the most common types of health insurance plans—such as HMO, PPO, and Medicare—can help you make an informed decision that aligns with your healthcare needs and preferences.

HMO (Health Maintenance Organization): HMO plans offer comprehensive coverage within a network of healthcare providers, typically requiring you to choose a primary care physician and obtain referrals for specialist care.
PPO (Preferred Provider Organization): PPO plans offer greater flexibility in choosing healthcare providers, allowing you to visit both in-network and out-of-network providers without a referral, although out-of-network care may come with higher out-of-pocket costs.
Medicare: Designed for individuals aged 65 and older, as well as certain younger individuals with disabilities, Medicare provides coverage for hospital stays, medical services, and prescription drugs, with various options to choose from based on individual needs.

Armed with this knowledge, you can navigate the world of Covered California plans with confidence, selecting the plan that best meets your healthcare needs, budget, and preferences. And with the guidance of our experienced team of advisors, you'll have the support you need every step of the way.

So why wait? Take charge of your health and well-being with Covered California plans from Hit & Go Insurance. Because when it comes to protecting your health, there's no time like the present to make the right choice!

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Health Insurance

Health Insurance

RIGHTS & PROTECTION

HOW DO I GET HEALTH INSURANCE?

COMMON HEALTH INSURANCE PLANS

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