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Health insurance quotes are now available instantly online and, in addition, technology is now
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Each top rated health insurance company offers an array of plan designs (PPO, HMO, HSA)
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Pre-existing condition exclusions may apply and may vary by state insurance law.
Premium rate-ups may be available to those with more serious medical conditions.
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►Aetna (NYSE: ΑET) is one of the nation's leaders in health care, dental, pharmacy, group life, and disability insurance, and employee benefits. Dedicated to helping people achieve health and financial security, Aetna puts information and helpful resources to work for its members to help them make better informed decisions about their health care. Health Care Networks
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→ | | |  Aetna health insurance products offer affordable, comprehensive health coverage for a broad array of commonly used health care services. They provide online information tools to help consumers make informed health care decisions so they may lead healthy lifestyles.
The plans "may" include special membership rates at fitness clubs and discounts on fitness equipment, nutritional supplements and alternative therapies, including visits to chiropractors, massage therapists and nutritional counselors.
 | ![]() |  | ![]() | ![]() | | AZ, CA, CO, CT, IL, MI, NC, OH, TN, TX, VA, DC, DE, FL, GA, MO, MS, NV, SC
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Aetna Health Insurance Products and Plans... |
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►Anthem
Blue Cross
Blue Shield is a large managed care provider that carries a Blue Cross Blue Shield license in nine states. They are part of the Wellpoint family of health care providers.
Anthem BCBS operates in Colorado, Connecticut, Indiana, Kentucky, Maine, Nevada, New Hampshire, Ohio, and Virginia. It offers a wide range of employer-provided and individual health insurance products, as well as select non-insurance products such as HSAs.
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| | |  Anthem BCBS Plans for individuals, families, and the self-employed, Anthem BCBS carries two lines of insurance plans:
BluePreferred PPO
for Individuals —a full-coverage PPO plan available with several deductible, premium and copay choices, no deductible for physician office visits, prescription drug, preventative and emergency care, and vision benefits. Benefits travel along with participants through the national BlueCard Program.
TonikSM Health Plans—billed as “simple health care plans,” Tonik's three PPO healthcare plans are aimed at the young and healthy. They offer preventive, emergency, prescription, dental, and vision coverage.
HSA plans and Anthem ByDesign™ plans give participants the opportunity to set aside pretax dollars in tax-advantaged savings accounts. Consumer-directed plans allow participants to spend a portion of their healthcare dollars as they choose. Anthem's HSA plan is only offered in conjunction with Anthem's High-deductible Health Plans (HDHPs), while ByDesign is offered in conjunction with employer/group health programs.
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►Assurant Health
brand name of products are underwritten and issued by Time Insurance Company, John Alden Life Insurance Company and Union Security Insurance Company. Assurant Health provides health insurance coverage for almost one million people nationwide and has been in business since 1892.
With almost 3,000 employees, Assurant Health is headquartered in Milwaukee, Wis., and has operations offices in Minnesota, Idaho and Florida, as well as sales offices across the country and employs almost 3,000 people..
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 Assurant Health is known for offering a wide variety of plan benefit choices.
MaxPlanSM
MaxPlan offers the most extensive benefits and the most options for achieving the security and peace of mind your clients want, including an unlimited office visit copay option.
CoreMedSM
If you’re looking for broad coverage at the best value, CoreMed is the plan. This plan offers many options for controlling premiums – without giving up benefits.
RightStart®
The right design, the right price, the right plan – that’s RightStart. Priced as low as 50% less than other popular plans, RightStart gives consumers who didn’t think they could afford insurance an affordable option.
Read more about Assurant Health Products and Plans.. Assurant Health is the brand name used for products underwritten and issued by Time Insurance Company, John Alden Life Insurance Company and Union Security Insurance Company. California license numbers: 08109 (Time Insurance Company), 08107 (Union Security Insurance Company) and 3894 (John Alden Life Insurance Company) |
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►Blue Cross of California
The Individual and Small Group Division of Blue Cross currently serves more than 1.6 million members in the state who purchase health insurance services as individuals or through employers with 50 employees or less. Extensive networks of health care professionals and facilities enable the Company to offer a comprehensive array of quality products and services that reflect the Company’s philosophy.
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 Serving the health insurance needs of California residents since 1937,
Blue Cross of California currently provides health care services to more than 6.8 million members.
Blue Cross offers members a variety of specialty products including pharmacy benefit management, long term care insurance, dental, life and disability insurance, behavioral health, utilization management, vision, flexible spending accounts and COBRA administration. Blue Cross seeks to finance quality care at affordable prices. The HealthcareQuality Assurance Division oversees medical policy and care management programs and is responsible for the assessment, recognition and promotion of quality health care.
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Blue Cross of California Health Insurance Products
Or Try ► 
Have you seen Tonik? Three simple, affordable health insurance plans to cover your A-Z. Body, eyes, teeth. You know, the important stuff.
Click the Tonik link for details |
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►Golden Rule
Golden Rule Insurance Company is celebrating its 60th year and is rated “A+” (Strong) by Standard & Poor’s. They are known for outstanding service and process more than 94% of all health claims within 10 working days or less. Golden Rule became a member of the UnitedHealth Group family of businesses in 2003. UnitedHealth Group serves nearly 55 million individuals nationwide with products and services to help people achieve better health.
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Golden Rule offers individuals and families a variety of coverage at affordable prices in many states. Plans vary by state and carrier under the UnitedHealthcare family of companies.
Health Savings Account (HSA) Plans are an excellent choice for individuals and families who want to control their health insurance costs by combining a lower cost high deductible health insurance plan with a tax advantaged savings account and network discounts.
High Deductible Plans may be ideal for those willing to take additional responsibility for routine health care expenses in exchange for lower premiums.
Co-pay Plans are designed for individuals and families who prefer the convenience of co-pay benefits for routine health care expenses. | ![]() | | ![]() | ![]() | | AL, AR, AZ, CO, CT, DE, FL, GA, IA, IL, IN,
KS, KY, MD, MI, MS, NC, NE, OH,
OK, PA, SC, TN, TX, VA, WI
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Golden Rule Health Insurance Products and Plans... |
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►Humana
With HumanaOne you can customize a health insurance plan that’s just right for you.
Choose the humana health insurance plan you like, then add any extras you need, from dental benefits and maternity coverage, to prescription medication.
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Humana's individual insurance product offers financially-minded consumers peace of mind, greater savings, and customer care
A choice of individual health plan options
HumanaOne offers two health plan options: an Individual Health Plan and a High Deductible Health Plan, which is compatible with the Health Savings Account (HSA). Both plans offer a variety of annual deductible levels to fit the individual's budget. | ![]() | | ![]() | ![]() | | AL, AR, AZ, CO, FL, GA, IL, IN, IA, KS, KY,
LA, MI, MS, MO, NE, NV, NC, OH,
OK, SC, TN, TX, UT, VA, WI
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Underwriting Changes
Recent changes to underwriting requirements mean greater
flexibility for you and your clients. Applicants aged 55 and
older are no longer required to have had a complete physical
within the past two years to be eligible for coverage.
Plus, newborns are eligible for coverage after a two-week
checkup with normal results, when applying as a dependent.
This doesn’t apply to child-only applications. Newborns are
still required to have a two-month checkup with normal
results for a child-only application. Also, new mothers are
now eligible for coverage at two weeks postpartum and no
longer require a six-week postpartum checkup.
Additionally, underwriting guidelines for Attention
Deficit HyperactivityDisorder (ADHD), asthma, and
gastroesophageal reflux disease (GERD)have changed.
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Humana Health Insurance Products and Plans...
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►Time Insurance
Time is now part of Assurant Health. For more than 110 years, Time Insurance Company has maintained a solid reputation for high quality products, financial stability and a commitment to the health insurance industry.
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Time Insurance
a part of Assurant Health is known for offering a wide variety of plan benefit choices.
They offer extensive benefits to premium savings…
MaxPlanSM
MaxPlan offers the most extensive benefits and the most options for achieving the security and peace of mind your clients want, including an unlimited office visit copay option.
CoreMedSM
If you’re looking for broad coverage at the best value, CoreMed is the plan. This plan offers many options for controlling premiums – without giving up benefits.
RightStart®
The right design, the right price, the right plan – that’s RightStart. Priced as low as 50% less than other popular plans, RightStart gives consumers who didn’t think they could afford insurance an affordable option.
These are "Non-Health Savings Account (HSA) Plans"
Read more about
Time Health Insurance Products and Plans... Assurant Health is the brand name used for products underwritten and issued by Time Insurance Company, John Alden Life Insurance Company and Union Security Insurance Company. California license numbers: 08109 (Time Insurance Company), 08107 (Union Security Insurance Company) and 3894 (John Alden Life Insurance Company) |
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►Unicare
1995 UniCare became the brand name for most of the WellPoint businesses operated outside of California. 1996 WellPoint acquired the group health and life business of Massachusetts Mutual Life Insurance Company. 1997 WellPoint acquired the group health and related life business of John Hancock Mutual Life Insurance Company. 2000 WellPoint acquired Rush Prudential Health Plans in Illinois. This brought together Rush Prudential and WellPoint's existing UniCare business offering traditional PPO products and HMO products
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 UniCare is a national organization of quality health care plans and products and is a subsidiary of WellPoint.UniCare offers a comprehensive health care plans and specialty products that allow for member choice and competitive prices.
Extensive health care provider networks enable UniCare to offer a comprehensive array of products and services that reflect the company's philosophy of working together with members and providers, affordability for members and their families and choice of health care providers
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Unicare Health Insurance Products and Plans... |
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►UnitedHealthcare
UnitedHealthcare offers health insurance coverage for individuals and families through its affiliates including United HealthCare Insurance Company, Golden Rule Insurance Company, American Medical Security Life Insurance Company, PacifiCare Health Systems and Mid Atlantic Medical Services, LLC (MAMSI).
Today, UnitedHealthcare, along with sister company Uniprise, Inc., serves more than 18 million individual customers. We provide access to high quality care from more than 470,000 physicians and 4,500 hospitals across all 50 states and in four international markets.
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UnitedHealthcare offers quality, affordable health care coverage for families and individuals under age 64 through Golden Rule Insurance Company, a wholly-owned subsidiary of UnitedHealthcare.
Co-pay Plans
Comprehensive, convenient coverage. With a Co-pay plan, you spend a co-pay to use Preferred Network doctors for office visits. After that, we pay 100% of history and exam fees.Preventive Care office visits are covered the same as other doctor office visits with co-pay benefits. Plus, most plans have Prescription drug card benefits. And inpatient and outpatient medical expenses are covered up to a $3 million lifetime maximum benefit per covered individual. A Co-pay Plan may be right for you if you: Prefer the convenience of co-pay benefits for routine health care expenses. Have young children with regularly scheduled doctor office visits. Want co-pay benefits for preventive care and prescription drugs.
High Deductible Plans
Higher deductibles equal lower premiums. With high deductible plans you get to keep more of your money by taking responsibility for covering minor or routine health care expenses - if they come up. The higher the deductible, the lower your premium. A High Deductible Plan may be right for you if you are: Willing to pay for routine health care expenses in exchange for lower premiums. Wanting lower cost protection from unexpected accidents and illnesses. An early retiree needing a bridge to Medicare.
Health Savings Account Plans
Quality coverage and superior savings. HSA Plans include two components: a lower cost, high deductible health insurance plan and a tax-favored savings account. The money you save on premiums with your high deductible plan can be put into your tax-favored savings account (HSA). You can withdraw the money to help pay your deductible or other qualified health care expenses. Once your deductible is met, the insurance plan starts paying for covered expenses. The best part: Your unspent savings roll over year after year. An HSA Plan may be right for you if you want: More control over how your health care dollars are spent. One annual deductible per family. To save money on monthly premiums and taxes.
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UnitedHealthcare Health Insurance Products |
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► DISCLAIMERS | | | | |
▪ These benefits are an overview and for informational purposes only. Full explanation of coverage are described and defined in the plan of insurance contract. The plan of insurance contract describes the plan benefits, limitations, and exclusions and binds the coverage. ▪ Use of physicians, hospitals, and services within the specific insurance company's provider network may apply. ▪ Deductibles, co-payment and /or co-insurance may apply and if so, are subject to the insureds portion of the total cost for covered benefits. ▪ Not all products from all companies are available in all states.
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