Eric Tapia Insurance & Financial Services
Eric Tapia
Authorized Independent Broker 
(888)599-7056

STUDENT PLANS

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
Essential 3000*

Blue Shield of California
VitalShield
 PLUS
900GenRx /
 400GenRx

Anthem Blue Cross
Tonik 3000*

Anthem Blue Cross
SmartSense1500

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- $74-$84*
F- $79-$89*

400 Plus
M- $88-$99*

F- $93-$106*

 

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
Co-pay

$40 (3 visits/yr)
then negotiated rate

 $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, 
after deductible

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
Preventative and Diagnostic  Dental w/ plan

You can add HMO for $17, or PPO for $35 monthly

 Free PPO
Preventative and Diagnostic  Dental w/ plan

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
depending on procedure

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

  • Essential does have an Essential 3000 that's around $15 less monthly and an Essential 4500 that's around $30 less monthly than the Essential 1,750 plan.
  • VitalShield does have a 2900 Deductible plan that runs around $20 less monthly.
  • Tonik does have a 5000 Deductible plan that runs around $15 less monthly and a Tonik 1500 plan that runs around $40 more monthly.
  • SmartSense GenRX does have a  SmartSense 1500 Deductible GenRX plan that runs around $17 less monthly and a SmartSense 2500 GenRX plan that's around $25 less monthly.

    *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!!! )

    CLICK HERE FOR YOUR QUOTE!!!

    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