949-300- 3022 neil@insurance-oc.com

Short Term Health Insurance

Click to Visit Short-Term Website – Apply Online! Click for YouTube Video re: Short Term Insurance Is your health insurance too expensive? Do you need coverage but we’re outside open enrollment? Here’s a solution – you can purchase temporary...

HMO – Should You Get One?

Here’s the main difference between an HMO and PPO: PPO – You can go to specialists without a referral and you can go outside the plan’s provider network, although you’ll have considerably more out-of-pocket expense if you do that. HMO –...

What is a “Mirrored” Plan?

Has your provider ever told you “We don’t accept ‘Mirrored’ plans?” Here’s what that means. First, you must understand that you can buy a health insurance plan either directly from a carrier (such as Anthem, Blue Shield, Health Net,...

Online Provider Directories

It’s very important that you confirm your providers are in your health insurance plan network when you buy your plan. Since there is now an Open Enrollment period, once Open Enrollment ends, you cannot change your plan – even if you discover that your...

What is an EPO?

You’re probably familiar PPO’s (Preferred Provider Organizations) and HMO’s (Health Maintenance Organizations) – but what the difference between an HMO, a PPO and an EPO? HMOYou cannot go outside the plan’s network (except for...