Saving Money on Health Care Insurance Visalia CA

Whether you buy your health care insurance in Visalia through your employer or independently, you need to review your coverage the same way cost-cutting entrepreneurs do. Buying coverage in the future won’t stop at finding the best price, what you pay increasingly will involve how well you personally manage your health.

BEN-E-LECT
(888) 886-7973
P.O.Box 7809
Visalia, CA
 
Marlon Ortega
3359 Chicago Ave. Ste B
Riverside , CA
Company
Title: Managing Partner
Company: Foresters Financial Insurance Services Inc.
Years Experience
Years Experience: 20
Service
Mortgage Refinancing,Income for Life/ Preserve Principal,Alternative Investments,Life Insurance,Real Estate Investment Planning,Insurance & Risk Management Planning,Retirement Income Accumulation Planning,Life Settlements,IRA, 401k, Roth IRA, QDRO Rollovers,Reverse Mortgage,Health Care Insurance,Retirement Planning,Annuity Ideas & Strategy Planning,Retirement Income Distribution Planning,Education Funding & Financial Aid Planning,Captive Insurance,401k Rollover From Employer,CD Alternative,Disab

Data Provided by:
Joseph Holley
4623 East Blue Bird Avenue
Orange, CA
Education
PennState
Years Experience
Years Experience: 40+
Service
Disability Insurance,Annuities,Annuity Ideas & Strategy Planning,Retirement Income Accumulation Planning,Medicare Planning,Life Insurance,Long-Term Health Care Planning,Retirement Income Distribution Planning,Health Care Insurance,Retirement Planning,Estate Tax Planning

Data Provided by:
Chuck Hoffmann
11 Brassie Ct.
Novato, CA
Company
Company: Creative Insurance Planning
Education
San Francisco State University: BA
California State Hayward: Teaching Credential
University California Berkeley, Graduate Studies
Years Experience
Years Experience: 30
Service
Planning For Personal Finances & Budgeting,Retirement Income Accumulation Planning,Business Income Tax Planning,Pension for Highly Compensated Owners,Stock Market Alternative,Wealth Management,Life Insurance,Long-Term Health Care Planning,Insurance & Risk Management Planning,Retirement Income Distribution Planning,Education Funding & Financial Aid Planning,IRA, 401k, Roth IRA, QDRO Rollovers,CD Alternative,Health Care Insurance,Retirement Planning,Business Succession & Liquidation Planning,Estat

Data Provided by:
Jim Patsch
6519 Herdon Place
Stockton, CA
Company
Company: Patsch & Associates
Type
Investment Advisor Rep: Yes
Years Experience
Years Experience: 20+
Service
IRA, 401k, Roth IRA, QDRO Rollovers,Medicare Planning,Annuities,Annuity Ideas & Strategy Planning,Retirement Income Accumulation Planning,401k Rollover From Employer,CD Alternative,Life Insurance,Long-Term Health Care Planning,Retirement Income Distribution Planning,Pension for Highly Compensated Owners,Income for Life/ Preserve Principal,Disability Insurance,Retirement Planning,Business Succession & Liquidation Planning,Asset Protection Strategies & Planning

Data Provided by:
Eric Wells
401 N 31st Street
Los Angeles, CA
Type
Investment Advisor Rep: Yes
Registered Investor: Yes
Service
Alternative Asset Class Planning,Investment Consulting & Allocation Design,Business Succession & Liquidation Planning,Retirement Income Accumulation Planning,Business Income Tax Planning,Tax-deferred Exchanges,Portfolio Engineering,Pension for Highly Compensated Owners,Income for Life/ Preserve Principal,Alternative Investments,Life Insurance,Investment & Portfolio Management,Long-Term Health Care Planning,Annuity Ideas & Strategy Planning,Retirement Income Distribution Planning,Education Fundin

Data Provided by:
Steve Angelo
2259 Chateaux Way
Corona, CA
Company
Title: Financial Advisor
Company: Preferred Benfits Services
Years Experience
Years Experience: 20+
Service
Pension for Highly Compensated Owners,Income for Life/ Preserve Principal,Wealth Management,Medicaid,Life Insurance,Investment & Portfolio Management,Long-Term Health Care Planning,Annuity Ideas & Strategy Planning,Planning For Personal Finances & Budgeting,Retirement Income Accumulation Planning,Business Income Tax Planning,Mortgage Refinancing,IRA, 401k, Roth IRA, QDRO Rollovers,Reverse Mortgage,Medicare Planning,Health Care Insurance,Retirement Planning,Real Estate Investment Planning,Commiss

Data Provided by:
Yen Tham
1984 Bluffhill
Monterey Park, CA
Service
Annuities,Commission-Only Financial Planning (Full Disclosure),Retirement Income Distribution Planning,IRA, 401k, Roth IRA, QDRO Rollovers,Alternative Investments,Life Insurance,Long-Term Health Care Planning,Insurance & Risk Management Planning,Asset Protection Strategies & Planning,401k Rollover From Employer,CD Alternative,Health Care Insurance,Retirement Planning,Annuity Ideas & Strategy Planning,Retirement Income Accumulation Planning,Income for Life/ Preserve Principal,Disability Insurance

Data Provided by:
James Woyce
5121 North Ravine
Fair Oaks, CA
Company
Company: James Woyce, CPA
Service
IRA, 401k, Roth IRA, QDRO Rollovers,CD Alternative,Alternative Investments,Life Insurance,Annuity Ideas & Strategy Planning,Estate Tax Planning,Asset Protection Strategies & Planning,Hourly Financial Planning Engagements,401k Rollover From Employer,Income for Life/ Preserve Principal,Wealth Management,Medicaid,Retirement Planning,Planning For Personal Finances & Budgeting,Retirement Income Accumulation Planning,Individual Income Tax Planning,Pension for Highly Compensated Owners,Stock Market Alt

Data Provided by:
John Harcar
1400 Bristol St. No.
Newport Beach, CA
Company
Title: LPL Registered Principal
Company: Asset Plan Partners
Type
Investment Advisor Rep: Yes
Service
IRA, 401k, Roth IRA, QDRO Rollovers,Medicare Planning,Life Insurance,Investment & Portfolio Management,Investment Consulting & Allocation Design,Planning For Personal Finances & Budgeting,Retirement Income Accumulation Planning,Fee-Only Comprehensive Financial Planning,401k Rollover From Employer,Alternative Investments,Health Care Insurance,Retirement Planning,Long-Term Health Care Planning,Insurance & Risk Management Planning,Retirement Income Distribution Planning,Hourly Financial Planning En

Data Provided by:
Data Provided by:

Saving Money on Health Care Insurance

Whether you buy your health care insurance through your employer or independently, you need to review your coverage the same way cost-cutting entrepreneurs do. Buying coverage in the future won’t stop at finding the best price, what you pay increasingly will involve how well you personally manage your health. Don’t be surprised if your employer or insurer is going to get tougher about you losing weight or quitting smoking sometime in the near future.

Here are some tips to help you take the first step in controlling these costs:

Change your negative health care behavior: Lowering your weight will not only have immediate health benefits, it will also make your health insurance options and potential out-of-pocket costs more affordable over time. A Stanford University and Rand Corporation study reported that lifetime medical costs related to diabetes, heart disease, high cholesterol, hypertension and stroke among the obese are $10,000 higher than among the non-obese. It added that lifetime medical costs could be reduced by $2,200 to $5,300 following a 10 percent reduction in body weight.

Know what you’re buying: Whether you buy health insurance through an agent or your employer, insist that they explain exactly what you’re getting for your premium, and where deductibles do and don’t apply. That way, you’ll have a baseline when you buy your own coverage. If you’re purchasing your own insurance policy, compare the premium savings from a higher deductible plan with your usage pattern of health services. What you save can often cover your high deductible.

Research and discuss the potential cost of a diagnosis:
If your physician diagnoses a condition that requires tests, prescription drugs, a hospital stay or ongoing therapy, ask polite but detailed questions about what you’ll be charged, from the doctor’s bills to ongoing ancillary costs associated with treatment. Ask the doctor or his office manager if discounts can be negotiated through cash payments or other means. You also need to be careful that you’re not being charged a rate for uninsured patients when you are simply going to paying for all or part of the bill to get to your deductible. Last, consider asking doctors for generic options and samples of prescription drugs to extend your savings.

Be smart about emergency and non-emergency visits: Emergency-room visits tend to cost $300 to $1,000 compared with $150 at an urgent-care center and $35 to $45 at a convenience-care clinic in a drug store or some other location. First, make sure the alternatives to hospital emergency room care are acceptable for your illness. Write yourself a note at some point to check out these options in your community so you understand what they offer, what their hours of business are, and under what conditions you’d choose them. In particular, make sure the facility and the provider are in your health plan’s network so whatever you pay out-of-pocket counts toward your deductible.

Use your company’s Health Care Flexible Spending Account: A Health Care Flexible Spending Account (HCFSA) is a separate, tax-advantaged account where you deposit funds to pay for medical expenses not paid by your insurance. You need to check what your particular company’s HCFSA allows you to stockpile funds for, and you will need to estimate carefully because you’ll have to spend out these funds by a particular annual date or forfeit the remainder.

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