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New York State Health Insurance

California State health insurance provides comprehensive medical coverage for you and your family. Some people can obtain coverage under their employers group plan, but if that is not an option for you; a private, affordable family health insurance plan may be a viable alternative that will give you peace of mind.

What types of plans are available?

The two basic plans types that you should be aware of are indemnity versus managed-care. In case of illness, a indemnity plan allows you to obtain service care from almost any care provider. The plan will pay their share of the cost usually upon receipt of the bill, from you. This means that you may have to pay up-front costs, and get reimbursed later-on.

A managed-care plan (such as HMO, PPO, and POS) encourages you to get care from someone within a healthcare provider network. These networks have pre-determined rates and automatic payment systems. This way, upon illness you can seek care from any member within the provider network, and your bill will be paid automatically by the insurance company without you having to pay the up-front costs.

A managed-care plan is easier in the sense that it's easy to receive care and not have to pay any up-front costs. The limitation is that you must choose a member that is part of the provider network. On the other hand, and indemnity plan allows you to seek coverage from anyone, but you must pay the up-front costs, and then get reimbursed.

Why shop online?

By shopping through Direct Choice Insurance , you get instant access to all local providers in your state and the opportunity to shop for the best combination of price and service. Buying online also provides the advantage of fast processing for your health insurance claims and a personalized experience form expert staff who will help with all your questions and concerns before and after you become a customer. The combination of wide selection of available plans, low cost, fast turn-around times and premium customer service makes Direct Choice Insurance the preferred starting point for buying health insurance and protecting your family.