At Sandoval Insurance one of the most important aspects of health insurance is having enough coverage, and getting a good deal on premiums. The good choice for those people who need frequent doctor visits and/or stay in the hospital frequently.
Another option for those who need a high monthly premium but do not qualify for the premium assistance programs offered by some health insurance companies, especially if you have an existing condition that precludes you from getting an individual health insurance policy, is a Preferred Provider Organization (PPO) health insurance plan. If you qualify for Medicare, Medicaid, Social Security Disability Insurance (SSA) or other federal health insurance programs, you may be eligible for a lower monthly premium through a PPO plan. If you don’t qualify for these programs, or you don’t qualify for the federal health insurance exchange subsidies that each plan offers, you can get a cheap Medicare supplement. This type of insurance will not cover you for out-of-network hospitalization expenses, but the copayments for doctor visits, prescription drug coverage and emergency services are usually pretty good.