Eric Tapia Insurance & Financial Services
Eric Tapia
Authorized Independent Broker
(888)599-7056
COVERAGE IS MORE AFFORDABLE THEN YOU THINK.

There are hundreds of health insurance policies in California. There are only a few though that are geared towards Students and Graduates.
Blue Shield of California
Essential PPO Plan $4,500
Essential PPO Plan $3,000
VitalShield 400 Plus GenRx PPO
VitalShield 900 Plus GenRx PPO
Anthem Blue Cross
Tonik 3000 PPO
SmartSense 1500 Deductible PPO
Kaiser Permanente
1500 Deductible HMO
Red Font = Best overall benefit
|
HEALTH PLAN |
Blue Shield of California |
Anthem Blue Cross |
Anthem Blue Cross |
Kaiser Permanente1500 Deductible |
|
|
PLAN TYPE |
PPO |
PPO |
PPO |
PPO |
HMO |
|
Avg monthly* cost* for a healthy 19-24 year old |
M- $126 -139* F- $134-148* Health,Dental & Vision included |
900 Plus |
M- $95 -125* F- $95-125* Health,Dental & Vision included |
M- $75 -122* F- $78-127* w/ or w/out Brand Meds |
M- $106 -123* F- $106-123* |
|
Doctor Visit |
$40 (3 visits/yr) |
$30 (5 visits/yr)
Then No Charge after Out of Pocket is met
|
$30 (4 visits/yr)
then negotiated rate
|
$30 (3 visits/yr)then 30% of negotiated fee after deductible |
$30 Unlimited Visits |
|
Annual OBGYN |
$40 Copay (includes Pap test) |
40% (deductible waived) |
30% of negotiated fee |
30% of negotiated fee |
$30 |
|
Annual Physical |
$40 Copay |
$30 Copay |
Not Covered |
30% of negotiated fee |
$30 |
|
Annual Deductible |
$3,000 |
$900 / $400 |
$3,000 |
$1500 |
$1500 |
|
Yearly Max out of Pocket |
$3,000 |
$3,900 / $2,900 |
$3,000 |
$4,000 |
$3,500 |
|
Prescription Drugs (*Generic Formulary Only) |
$10 |
$10 |
$10 |
$15 or 40%(whichever is greater) |
$10 |
|
Emergency Room |
$100 Co-pay(deductible waived)** |
$100+40% after deductible is met |
$0 after Deductible is met |
$100 + 30% after deductible |
$100 co-pay, |
|
Inpatient Hospital |
$0 after deductible is met |
40% after deductible is met |
$0 after deductible is met |
30% after deductible is met |
$500 per day after the deductible |
|
Dental |
Free PPO |
You can add HMO for $17, or PPO for $35 monthly |
Free PPO |
You can add HMO for $11-20, or PPO for $17-$43 monthly |
You can add for $24 more monthly |
|
Dental Benefits |
$50 Deductible for Fillings |
$50 Deductible for Fillings |
$25 Deductible for Fillings |
$25 Deductible for Fillings |
$25 Deductible for Fillings |
|
Cleanings, Exams & Xrays |
$0, 2 free per year |
$0, 2 free per year |
$0, 2 free per year |
Co-pays range from $5-$45 |
Co-pays range from $5-$45 |
|
Fillings |
$35-$100 |
Amalgam Restorations $15-$35 each |
Amalgam Restorations $42-$84 (3 month wait) |
Anthem pays 80%, up to $500, you pay 20% |
Amalgam Restorations $35-$58 (6 month wait) |
|
Vision |
Free w/ plan |
Not Included |
Free w/ plan |
Not Included |
Exam only |
|
Yearly Eye Exam |
$5 eye exam |
Not Included |
$50 Reimbursement |
Not Included |
$30 |
In Case you're wondering
*Monthly Cost is based on Sex, Age, Height/Weight Combo (BMI), Zip Code & County you live in and Current Health Status or Medications you've taken in the last 12 months
**Emergency room - $100 co-pay covers all services rendered at the time of visit.
***Essential, VitalShield, Tonik and SmartSense GenRX plan DO NOT COVER MATERNITY BENEFITS OR BRAND NAME DRUGS. If you would like a plan with maternity coverage or need Brand name drug coverage Blue Shield, and Anthem offers various other plans to choose from...Click Here to see them!!!
FOR FREE QUOTES AND FOR PLAN DETAILS 24 HOURS A DAY
It's as Easy as 1-2-3
1) Get your Fast and Free Quote.
2) Apply online in only about 10 minutes. You can ask for coverage can start the very next day.
3) Upon approval all you do is Print out your temporary ID card and your good to go. (YOU'RE COVERED!!! )
Things you should know when applying
Using my services is free to you. When you apply there are no application fees whatsoever. All you pay is your first month of service via, credit card, debit card, checking account information or you mail in the first months premium with applcaition. As a Broker the insurance companies compensate us separately from what you pay monthly. Your monthly premium is the same with or without us. As your Broker it is our job to be accountable for your policy. You will be able to call us when you have questions or problems with your policy. We will personally call membership, underwriting and claims department on your behalf saving you time and energy. During the sales process we will present to you all your plan options, give you personalized quotes and explain all of your plan options in full detail. In addition to this, we will help you thru the entire application process (including helping you complete the 10 minutes application). All you pay is your first month of service via, credit card, debit card, checking account information or you mail in the first months premium with applcaition.
Only three things can happen when you apply:
1) You get the preferred rate you where quotes
2) Due to your current medications or a pre-existing condition your premium is ratesd up. (20%, 50%, etc.) You will be notified via mail if this happens.
3) Due to a pre-existing condition and or the cost of your current or future treatment you can be declined for coverage. You will be notified via mail if this happens.
Contact Information
Eric Tapia
Authorized Independent Agent
Blue Shield of California
Anthem Blue Cross of California
CA Insurance License #0D77513
Office Location and Mailing Address:
Eric Tapia Insurance & Financial Services
Located on World Famous Route 66
620 W. Route 66 Suite #212
Glendora, CA 91740
For Applicaiton or Plan Assistance
Call Toll Free: (888) 599-7056
Return Fax: (909)599-7008
Email:
erictapia@yahoo.com
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Copyright © 2006 Eric Tapia Insurance and Financial Services. All Rights Reserved.








