eCAHealthinsurance Recognized as Top Producer for Helping People Find California Health Insurance

Jan. 10, 2012 - PRLog -- eCAHealthinsurance has been designated as a Top Producer in HealthNet’s California network for helping individuals and families find health insurance in California.  eCAHealthinsurance has also been a member of the Top Producer Club with Assurant since October 2006.  The company’s Gold membership status includes a designated sales assistant for the underwriting department.  That helps to empower eCAHealthinsurance to advocate for those applying for coverage because underwriting is responsible for evaluating medical histories to determine which applications to approve, raise premium prices for or deny.  eCAHealthinsurance also assists existing policyholders with issues they might have regarding benefits and claims.

To be in the Gold membership level, eCAHealthinsurance must have at least $500,000 in annualized net premiums.  The company achieves this level of success by researching how Californians can reduce their spending for health care and insurance.  

eCAHealthinsurance shows how to avoid being overwhelmed by the hundreds of policy options available in the state by explaining that plans fall into a handful of different types of coverage.  The broker explains the basics of each form of coverage so shoppers can make an informed decision about whether a policy will meet their health care needs and fit their budget.  

Their recent educational resources explained how Californians could maintain coverage with few rate hikes during the publicized major rate increases of 2011:  

•   Health Savings Account plans have been shown to raise premium rates much less than health plans overall – sometimes raising rates at just half that of other types of health insurance.  

eCAHealthinsurance also publicized expanded coverage for preventive health care available through policies purchased after Sept. 22, 2010:

•   Plans with high deductibles and co-pays charge less for monthly premiums.  Now that preventive care is covered without having to meet a deductible or co-payments, Californians may save by switching to a plan with a higher deductible and co-pays.

eCAHealthinsurance compared different aspects of coverage and showed Californians which forms of managed care tend to keep out-of-pocket costs low, such as:  

•   Policies that pay for seeing any doctor typically cost more that plans that restrict coverage to a list of doctors and hospitals.  While PPO plans offer some coverage in case an out-of-network specialist is needed, this form of managed care pays a larger percentage of services from providers in their network.  That can reduce out-of-pocket expenses before a plan’s deductible has been met.

eCAHealthinsurance has also prepared online resources and a downloadable report to explain industry terminology so shoppers can make informed choices.  Readers will find insights for specific situations, such as when Californians lose group coverage through employment and have to shop for policies in the individual market for the first time.  This report is available at no charge from www.eCAHealthinsurance.com/california-health-insurance-report.htm.

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About eCAHealthinsurance:

As an independent broker, eCAHealthinsurance has become a leader in providing strategies to enable Californian families, individuals and small businesses to reduce their cost for health care and insurance coverage.

Californians may use eCAHealthinsurance’s online resources by visiting www.eCAHealthinsurance.com/ to compare coverage options. Instant quotes with side-by-side comparisons of coverage options from multiple insurance companies help consumers get quick results.

Californian families, individuals and small businesses may also schedule consultations with eCAHealthinsurance expert advisors to compare options by calling 1-866-585-7662 from 6 AM through 8 PM Pacific.