CALIFORNIA

STUDENT COVERAGE

There are hundreds of health insurance policies in California. There are only a few though that are geared towards Students and Graduates.

 

 

 

                             


     

    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 $1,750

    VitalShield 900

     

    Anthem Blue Cross

    Tonik 3000

    SmartSense 500

     

    Kaiser Permanente

    1500 Deductible HMO

     


    Red Font = Best overall benefit

    HEALTH PLAN

    Blue Shield of California

    Essential 1750*

    Blue Shield of California

    VitalShield 900

    Anthem

    Blue Cross

    Tonik 3000*

    Anthem

    Blue Cross

    SmartSense500

    Kaiser Permanente

    1500Deductible

       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

     

    M- $62-$70*

    F- $65-$74*

     

    M- $95 -120*

    F- $95-120*

    Health,Dental & Vision included

     

    M- $75 -122*

    F- $78-127*

    w/ or w/out Brand Meds

     

    M- $98 -103*

    F- $98-103*

     

    Doctor Visit
    Co-pay

    $40 (3 visits/yr)
    then negotiated rate

     $40 (2 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 Co-pay

    (includes Pap test)

    40% (deductible waived)

    30% of negotiated fee

    30% of negotiated fee

    $30

    Annual Physical

    $40 Co-pay

     

    Not Covered

    30% of negotiated fee

     $30

    Annual Deductible

    $1,750

    $900

    $3,000

    $500

    $1500

    Yearly Max

    out of Pocket

    $1,750

    $4,900

    $3,000

    $3,000

    $3,500

    Prescription Drugs

    (*Generic Formulary Only)

     

    $10

     

    $10

     

    $10

     

    $15 or 40%

    (whichever is greater)

     

    $10

    Emergency Room

    $100 Co-pay

    (deductible waived)**

    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

       

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