Barich & Associates Insurance

Category: Dental Insurance

10 Tips to Help You Get Better Health Insurance Coverage
Health insurance coverage provides medical and financial assistance in the unfortunate case of illness and accidental injury. If you are not covered, then healthcare expenditures can rise and lead to financial turmoil. Therefore, it is important to get covered with health insurance, even if you are not provided coverage by your employee or the government.

You should never go uninsured – that’s for sure. Sign up for a private insurance, if you have to.

Following are some tips to get the best health insurance plans for you and your family.
1. You should be familiar with some of the terms related to health insurance and insurance in general, terms such as premium, deductable, co-insurance, etc. This will make it easy for you to understand the plan you are about to purchase. You can find search online to find out what these technical insurance terms mean.
2. Make sure you don’t miss out on the open enrollment period. Open enrollment is a 3-month time window in which you can sign up for health insurance. If you don’t get enrolled in this time, then you will miss coverage for the given year.
3. Not all health insurance plans are the same. Therefore, do the necessary homework before getting coverage for yourself and your family. For instance, there are some questions you need answers to before choosing an insurance plan.
- How much are you willing to spend on your plan?
- Does any family member need complex medical procedures (like surgery) in the coming year?
- If you already have a health insurance, then what is it missing?
Discuss these and any other questions you may have with your family and other concerned people to get the best plan possible.
1. There is no point in sticking to an insurance plan you are not happy with. You can change and upgrade your existing plan in the open enrollment window.
2. Medicare, the federal health insurance plan can’t cover all your health-related needs. To get fully covered, get a supplemental health insurance plan from a private provider.
3. The health insurance market place offers four types of plans (bronze, silver, gold and diamond). Go for the one that best matches your budget and healthcare needs.
4. If you don’t want to pay high monthly premiums then choose High-Deductable Health Plans (HDHPs). To know more about HPHPs, get in touch with your health insurance agency.
Contact Barich and Associates so our experts can help you get started with having better insurance coverage today! 909.793.6556
September 13, 2017
Top 5 Best Individual Health Care Plans
In this day and age, not having health insurance, or any type of insurance for that matter, is uncommon due to the high number of insurance companies and the various plans that they offer. Even then, there are many people who don’t have health insurance, either because they are not eligible or because the companies that they work for don’t really offer the coverage for it.

In USA, there are over a hundred companies that offer insurances and health care plans for the benefit of the nation. Due to the fact that there are so many options to choose from, it is necessary to know which ones are worthy and which are just money grubbing scams that don’t really offer much.

Just like any other brand, insurance companies that sell individual health care plans usually promote their company with claims that they are better than all the other in their vicinity at least. Without legit opinions of previous customers, it can be difficult to judge which company really has your best interests at heart. To make it easier for you, we have listed 5 of the best individual healthcare plans in today’s world:

1.      Humana

In comparison to other health insurance companies, Humana’s health insurance and healthcare plans are offered at a much lower price, although the policies accompany an array of benefits. However, Humana is only available in 22 states, so, it caters to selective vicinities. However, the pricing and the benefits really are impressive if you live in one of those 22 states.

2.      United Healthcare

The health plans that are offered by United Healthcare are some of the best we have seen from insurance companies in the past 5-10 years. Although they are pricey and not everyone can afford them, the online tools as well as the individual healthcare plans that United Healthcare has to offer are simply amazing.

3.      Kaiser Permanente

The notable insurance company also has its own system of facilities as well as medical staff that caters to the patients vigilantly. The premium plans that Kaiser Permanente offers are a lot more affordable in comparison to other insurance programs. As good as Kaiser Permanente’s insurance plans and packages are, the main drawback is that you are bound to the doctors and hospitals of Kaiser Permanente that are, so far, limited to 8 states only.

4.      Barich & Associates

Barich & Associates is an insurance company that covers all the insurances that you can think of basically. Their insurance plans range from employer medical insurance, life insurance, dental insurance, Medicare insurance and lastly, individual insurance. In individual insurance, Barich & Associates covers your medical and dental insurance, and to make it easier for you, they can provide you with a free quote in a matter of 5 minutes.

5.      Blue Cross Blue Shield (BCBS)

Blue Cross Blue Shield has made quite a name, with around 37 companies spread out across the United States of America. The well-known company has a variety of different healthcare plans that can be altered according to the needs and wants of each individual. However, the main drawback of Blue Cross Blue Shield is that, because they cater to different vicinities, the quality of their services varies according to the area of your residence.

Barich & Associates Insurance Marketing Services, Inc. works with all the carriers in Southern California. We offer HMO, PPO, EPO and Short Term coverage policies, as well as HSA accounts to our clients.
Individual:

Medical

Dental
We can provide you with a quote within 5 minutes. Please call our agency at (909) 793-0385 for more information and one of our sales associates will contact you within 24 hours.
June 16, 2017
The Simplest Ways to get the most out of your Dental Insurance

Growing up, your parents or guardians must have instilled a deep respect for flossing and brushing as integral components of good dental hygiene. But what needs to command a similar level of respect when it comes to your dental health is dental insurance. Good dental coverage is essential if you want to cut down on the costs related to even common procedures, like a root canal. Read on to find some great ways to get the most out of your dental insurance.

1)   Visit your Dentist for Exams and Cleanings Regularly

You know what they say: prevention is better than cure. And in the case of dental health, prevention can cost you almost nothing at all. Dental exams and cleaning services tend be completely covered by PPO plans. Regular check-ups ensure that any troubling problems are detected early on, and so cost a lot less to treat. You can avoid expensively extensive dental work by not letting the problem proceed beyond its early stages.

2)   Understand your Dental Plan

It is vital for you to understand the limitations and provisions of your dental insurance plan in order to use it appropriately with the costs involves. So do make sure you read through the documents before you end up using the benefits. Understanding the processes of the plan in greater detail will prevent claim denials or unanticipated dental bills.

3)   Always Stay In-Network

Staying in your dental plan network will incur the least out of pocket expenses possible, whether you are covered by a PPO (Preferred Provider Organization) or an HMO (Health Maintenance Organizations). With most HMOs, in fact, you will tend to not receive any coverage at all if you stray far from the network. And with a PPO, you will be able to make use of provisions for fee reduction when you work with an in-network dentist. These fee reductions tend to be 10 to 35% off the regular fee. Not only that, but you also get the highest amount of coverage this way. Using an out of network dentist will cause you to receive coverage at a lower level.

Schedule your Procedures

In order to get the most out of your dental coverage, be smart about timing. For example, if you’ve been recommended to get a total of 6 procedures done. It would be a good idea to figure out when your annual benefits renew, and then get only the most pressing problems fixed before that date. Doing them all at once could end up with you exceeding your maximum benefits. In this way, however, you could get three procedures done in the months preceding your renewal date, and then the remaining ones after. This will have the effect of your coverage not running out on you. Plan your treatment stages in order to maximize the insurance plan payments. Additionally, if you haven’t yet used your benefit for the year and require dental work, try to get it done before the benefits expire.

Let Barich and Associates help you find the best Dental Insurance plan and avoid pitfalls that might lead to inadequate dental care. Get a free quote today!

May 9, 2017