eCAHealthinsurance Experts Show New Ways to Mold California Health Insurance to Fit Consumer Needs

July 13, 2011 - PRLog -- California health insurance comes with a variety of uncompromising rules that frustrate many Californians trying to find a policy to fit their individual needs.  Most health insurance websites show consumers how to run quick quotes, but offer little help when it comes to fitting coverage to personal situations.  At eCAHealthinsurance, the independent brokers are schooled in strategies that solve unique coverage problems.  Their up-to-date knowledge about a variety of coverage options can save Californians from major out-of-pocket costs.

More Californians are finding it difficult to cover their families on their employer-based group plans as both premiums and out-of-pocket costs rise.  For example, one Southern California couple was paying nearly $800 every month for a group plan.  After several consultations with eCAHealthinsurance advisors, the Huckys decided to trade that $800/month premium for coverage with a $366 monthly price tag.

It took two separate policies to fit the family’s diverse needs.  John and the children were covered under an Anthem Blue Cross of California Health Savings Account (HSA) Plan.  To help with Grace’s next delivery, the Huckys also purchased a traditional Blue Cross PPO plan with maternity benefits.

In addition to saving $434 a month in premiums, the Huckys gained the advantage of being able to earn interest tax-free on their HSA contributions.  If necessary, they could forgo contributing to their HSA because there is no minimum deposit requirement.  However, an HSA also allowed them to lower their taxable income by the amount of their annual contribution.  

The expertise to tailor coverage into customized benefits is not all that separates eCAHealthinsurance from other online brokers.  eCAHealthinsurance website visitors also have access to additional benefits rarely seen on health insurance sites.  
From northern California, John Ghysels uses eCAHealthinsurance strategies to defy popular wisdom that HSA Plans are inappropriate for Californians with pre-existing conditions.  Ghysels was able to save about $80 each month by switching to an HSA Plan even while taking cholesterol-lowering prescriptions.  

Since all HSA Plans require a deductible be met before anything beyond recommended preventive services is covered, Ghysels relied on discounts and generics to reduce the cost of his medication by about 67 percent, but he didn’t stop there.  

With his doctor’s approval, he purchased a 40-mg dosage and used a pill splitter to literally cut his cost in half.  Ghysels only needed a 10-mg dosage, but the 40-mg dosage was available for the same cost.  He also took advantage of bulk discounts on a 90-day supply and can stretch that into a year’s worth of medicine.  

eCAHealthinsurance has even shown how to get health insurance with a net positive return.  The HSA Plan that Heiko Knapp purchased from Blue Cross of California allowed him to lower his taxes.  That actually saved him more than the cost of premiums.  Essentially, his coverage was free because it was offset by his tax reduction.  He netted $18 more a month as compared to not paying for health insurance at all.  

eCAHealthinsurance advisors research extensive options like these that span health insurance options and additional ways to save on health care.  That level of personal assistance separates the independent agents of eCAHealthinsurance from other brokers and helps Californians fit health insurance to unique needs.  Website visitors can review ways to cut premium costs at http://www.eCAHealthinsurance.com/how-to-guide.htm and other strategies to lower out-of-pocket costs can be found at http://www.eCAHealthinsurance.com/additional-benefits.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 http://www.eCAHealthinsurance.com/ to compare coverage options. Instant quotes with side-by-side comparisons help to show where savings can be found.

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.