If you're looking for health insurance in Orange County, CA, you're in luck. There are a variety of plans available to suit your needs and budget. From Silver Plans to Health Net plans, we've done the research to help you find the best coverage for you. Health insurance is a type of coverage that pays for your medical, surgical, and routine health care expenses.
It can be expensive, but there are ways to make it more affordable. You may be eligible for a subsidy or help paying through the Affordable Care Act (ACA). The ACA offers ways to reduce premiums and out-of-pocket expenses for people with low and middle income levels. When choosing a health insurance plan in California, you'll need to consider the “metallic” levels such as gold, bronze, and silver, which depend on age and health status.
Not all carriers are available in all counties. To help you find coverage at the best price, we've found the cheapest Silver rates in the 4 largest counties in the state. Health Net plans include a nursing advice line, a health counseling program, disease management, and more. Health Net also offers free home health screenings.
The price of your plan is the balance of the price of your monthly premium and the amount you pay for care. You'll need to choose a primary care doctor (PCP) who will handle most of your health care needs. You will need a referral to see a specialist. But you probably won't have coverage if you get services from out-of-network providers.
You may not have to pay a deductible before coverage begins, and your copays are likely to be minimal. Health insurance in California must cover at least 10 essential health benefits. If you're insured through a self-insured company, most of these benefits are covered, depending on the company's plan. Plans must also include birth control and breastfeeding coverage, which means you can have free birth control, such as birth control pills.
The health care law also requires that all new health plans cover prenatal and postnatal support and counseling for breastfeeding at no additional cost, as long as the first-time mother is breastfeeding. Yes, some health insurance plans will pay for or support therapy sessions. If you have questions about Orange County health insurance or the health insurance plans available in any other county or city in California, call The Lynn Company at (800) -326-5966 to learn more about California health insurance plans. With CaliforniaChoice, you and your employees have access to some of the major health insurance plans, networks and hospitals in Orange County.