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Health Insurance Plans
Get affordable health insurance quotes
and compare individual health insurance
plans side by side. We'll help you find
individual health insurance, family medical
insurance or small business health
insurance and the best medical insurance
plans for your needs and budget.
Get affordable health insurance quotes
and compare individual health insurance
plans side by side. We'll help you find
individual health insurance, family medical
insurance or small business health
insurance and the best medical insurance
plans for your needs and budget.
If You're Looking For Health Insurance, We Can Help.
Even if you're just looking for information about health insurance or just want to compare rates and benefits, we can help.
At CALICO Insurance, when it comes to getting health insurance quotes or finding health insurance information, we have you covered.
About Our Health Insurance Finding Tools
There are a few easy ways you can find your health insurance plan at Calico Insurance. We provide free insurance-finding tools that can help you explore
your health insurance options and get the coverage that's right for you.
You'll be able to compare rates and benefits, view plan brochures, get expert advice from agents in your area, and even apply online for coverage in the
comfort of your own home.
Here's what you can do at Calico Insurance to compare plans:
Get Health Insurance Quotes
If you want to get free quotes to compare rates and shop for your health plan the easy way, start with a simple form and request your free health insurance
quotes in seconds. With this form, you'll get competitive quotes and expert advice from licensed health insurance agents. Based on instant quotes availability
in your area, you'll also be able to view plans at your computer and apply for the plan of your choice online. Getting quotes is no-risk, no-obligation, and
absolutely free at Calico Insurance.
If you'd like to speak to a licensed health insurance agent in your area directly, call now 818-333-0515.
You can also get quick answers about health insurance and read a health insurance glossary to learn about the most commonly used health insurance
terms.
Common Health Insurance Plans:
HMO Health Insurance Plans (Health Maintenance Organizations)
An HMO is a kind of managed care health insurance — meaning you get your care from a "network" of doctors and hospitals. HMOs are one of the most
affordable plans available.
PPO Health Insurance Plans (Preferred Provider Organizations)
PPOs are another form of managed care, but provide more flexible coverage than HMOs.
POS (Point-of-Service) Health Insurance Plans
A POS plan is essentially a combination of an HMO and PPO plan.
Traditional indemnity FFS (Fee-For-Service) Health Insurance Plans
FFS plans are not managed care, but the traditional form of health insurance. They are typically the most expensive, but offer comprehensive coverage.
HSA (Health Savings Accounts) Health Insurance Plans
Health insurance plans that are compatible with Health Savings Accounts are becoming more popular because of their low monthly premiums, major medical
coverage, and a tax-free savings tool for health care expenses.
If you're an American in your Golden Years, visit our Senior Health Insurance Information Center, where you can learn about Medicare , Medicare
Supplement, Medicare Advantage, Medicare SELECT, Medicare Part D, and more.
A health insurance policy is a contract between an insurance company and an individual or his sponsor (e.g. an employer). The contract can be renewable
annually or monthly. The type and amount of health care costs that will be covered by the health insurance company are specified in advance, in the
member contract or "Evidence of Coverage" booklet. The individual insurered person's obligations may take several forms[7]:
Premium: The amount the policy-holder or his sponsor (e.g. an employer) pays to the health plan each month to purchase health coverage.
Deductible: The amount that the insured must pay out-of-pocket before the health insurer pays its share. For example, a policy-holder might have to pay a
$500 deductible per year, before any of their health care is covered by the health insurer. It may take several doctor's visits or prescription refills before the
insured person reaches the deductible and the insurance company starts to pay for care.
Copayment: The amount that the insured person must pay out of pocket before the health insurer pays for a particular visit or service. For example, an
insured person might pay a $45 copayment for a doctor's visit, or to obtain a prescription. A copayment must be paid each time a particular service is
obtained.
Coinsurance: Instead of, or in addition to, paying a fixed amount up front (a copayment), the co-insurance is a percentage of the total cost that insured
person may also pay. For example, the member might have to pay 20% of the cost of a surgery over and above a co-payment, while the insurance company
pays the other 80%. If there is an upper limit on coinsurance, the policy-holder could end up owing very little, or a great deal, depending on the actual costs
of the services they obtain.
Exclusions: Not all services are covered. The insured person is generally expected to pay the full cost of non-covered services out of their own pocket.
Coverage limits: Some health insurance policies only pay for health care up to a certain dollar amount. The insured person may be expected to pay any
charges in excess of the health plan's maximum payment for a specific service. In addition, some insurance company schemes have annual or lifetime
coverage maximums. In these cases, the health plan will stop payment when they reach the benefit maximum, and the policy-holder must pay all remaining
costs.
Out-of-pocket maximums: Similar to coverage limits, except that in this case, the insured person's payment obligation ends when they reach the out-of-
pocket maximum, and the health company pays all further covered costs. Out-of-pocket maximums can be limited to a specific benefit category (such as
prescription drugs) or can apply to all coverage provided during a specific benefit year.
Capitation: An amount paid by an insurer to a health care provider, for which the provider agrees to treat all members of the insurer.
In-Network Provider: (U.S. term) A health care provider on a list of providers preselected by the insurer. The insurer will offer discounted coinsurance or
copayments, or additional benefits, to a plan member to see an in-network provider. Generally, providers in network are providers who have a contract with
the insurer to accept rates further discounted from the "usual and customary" charges the insurer pays to out-of-network providers.
Prior Authorization: A certification or authorization that an insurer provides prior to medical service occurring. Obtaining an authorization means that the
insurer is obligated to pay for the service, assume it matches what was authorized. Many smaller, routine services do not require authorization[8]
Explanation of Benefits: A document sent by an insurer to a patient explaining what was covered for a medical service, and how they arrived at the payment
amount and patient responsibility amount[9]
Prescription drug plans are a form of insurance offered through some employer benefit plans in the US, where the patient pays a copayment and the
prescription drug insurance part or all of the balance for drugs covered in the formulary of the plan.
Some, if not most, health care providers in the United States will agree to bill the insurance company if patients are willing to sign an agreement that they will
be responsible for the amount that the insurance company doesn't pay. The insurance company pays out of network providers according to "reasonable and
customary" charges, which may be less than the provider's usual fee. The provider may also have a separate contract with the insurer to accept what
amounts to a discounted rate or capitation to the provider's standard charges. It generally costs the patient less to use an in-network provider.
Even if you're just looking for information about health insurance or just want to compare rates and benefits, we can help.
At CALICO Insurance, when it comes to getting health insurance quotes or finding health insurance information, we have you covered.
About Our Health Insurance Finding Tools
There are a few easy ways you can find your health insurance plan at Calico Insurance. We provide free insurance-finding tools that can help you explore
your health insurance options and get the coverage that's right for you.
You'll be able to compare rates and benefits, view plan brochures, get expert advice from agents in your area, and even apply online for coverage in the
comfort of your own home.
Here's what you can do at Calico Insurance to compare plans:
Get Health Insurance Quotes
If you want to get free quotes to compare rates and shop for your health plan the easy way, start with a simple form and request your free health insurance
quotes in seconds. With this form, you'll get competitive quotes and expert advice from licensed health insurance agents. Based on instant quotes availability
in your area, you'll also be able to view plans at your computer and apply for the plan of your choice online. Getting quotes is no-risk, no-obligation, and
absolutely free at Calico Insurance.
If you'd like to speak to a licensed health insurance agent in your area directly, call now 818-333-0515.
You can also get quick answers about health insurance and read a health insurance glossary to learn about the most commonly used health insurance
terms.
Common Health Insurance Plans:
HMO Health Insurance Plans (Health Maintenance Organizations)
An HMO is a kind of managed care health insurance — meaning you get your care from a "network" of doctors and hospitals. HMOs are one of the most
affordable plans available.
PPO Health Insurance Plans (Preferred Provider Organizations)
PPOs are another form of managed care, but provide more flexible coverage than HMOs.
POS (Point-of-Service) Health Insurance Plans
A POS plan is essentially a combination of an HMO and PPO plan.
Traditional indemnity FFS (Fee-For-Service) Health Insurance Plans
FFS plans are not managed care, but the traditional form of health insurance. They are typically the most expensive, but offer comprehensive coverage.
HSA (Health Savings Accounts) Health Insurance Plans
Health insurance plans that are compatible with Health Savings Accounts are becoming more popular because of their low monthly premiums, major medical
coverage, and a tax-free savings tool for health care expenses.
If you're an American in your Golden Years, visit our Senior Health Insurance Information Center, where you can learn about Medicare , Medicare
Supplement, Medicare Advantage, Medicare SELECT, Medicare Part D, and more.
A health insurance policy is a contract between an insurance company and an individual or his sponsor (e.g. an employer). The contract can be renewable
annually or monthly. The type and amount of health care costs that will be covered by the health insurance company are specified in advance, in the
member contract or "Evidence of Coverage" booklet. The individual insurered person's obligations may take several forms[7]:
Premium: The amount the policy-holder or his sponsor (e.g. an employer) pays to the health plan each month to purchase health coverage.
Deductible: The amount that the insured must pay out-of-pocket before the health insurer pays its share. For example, a policy-holder might have to pay a
$500 deductible per year, before any of their health care is covered by the health insurer. It may take several doctor's visits or prescription refills before the
insured person reaches the deductible and the insurance company starts to pay for care.
Copayment: The amount that the insured person must pay out of pocket before the health insurer pays for a particular visit or service. For example, an
insured person might pay a $45 copayment for a doctor's visit, or to obtain a prescription. A copayment must be paid each time a particular service is
obtained.
Coinsurance: Instead of, or in addition to, paying a fixed amount up front (a copayment), the co-insurance is a percentage of the total cost that insured
person may also pay. For example, the member might have to pay 20% of the cost of a surgery over and above a co-payment, while the insurance company
pays the other 80%. If there is an upper limit on coinsurance, the policy-holder could end up owing very little, or a great deal, depending on the actual costs
of the services they obtain.
Exclusions: Not all services are covered. The insured person is generally expected to pay the full cost of non-covered services out of their own pocket.
Coverage limits: Some health insurance policies only pay for health care up to a certain dollar amount. The insured person may be expected to pay any
charges in excess of the health plan's maximum payment for a specific service. In addition, some insurance company schemes have annual or lifetime
coverage maximums. In these cases, the health plan will stop payment when they reach the benefit maximum, and the policy-holder must pay all remaining
costs.
Out-of-pocket maximums: Similar to coverage limits, except that in this case, the insured person's payment obligation ends when they reach the out-of-
pocket maximum, and the health company pays all further covered costs. Out-of-pocket maximums can be limited to a specific benefit category (such as
prescription drugs) or can apply to all coverage provided during a specific benefit year.
Capitation: An amount paid by an insurer to a health care provider, for which the provider agrees to treat all members of the insurer.
In-Network Provider: (U.S. term) A health care provider on a list of providers preselected by the insurer. The insurer will offer discounted coinsurance or
copayments, or additional benefits, to a plan member to see an in-network provider. Generally, providers in network are providers who have a contract with
the insurer to accept rates further discounted from the "usual and customary" charges the insurer pays to out-of-network providers.
Prior Authorization: A certification or authorization that an insurer provides prior to medical service occurring. Obtaining an authorization means that the
insurer is obligated to pay for the service, assume it matches what was authorized. Many smaller, routine services do not require authorization[8]
Explanation of Benefits: A document sent by an insurer to a patient explaining what was covered for a medical service, and how they arrived at the payment
amount and patient responsibility amount[9]
Prescription drug plans are a form of insurance offered through some employer benefit plans in the US, where the patient pays a copayment and the
prescription drug insurance part or all of the balance for drugs covered in the formulary of the plan.
Some, if not most, health care providers in the United States will agree to bill the insurance company if patients are willing to sign an agreement that they will
be responsible for the amount that the insurance company doesn't pay. The insurance company pays out of network providers according to "reasonable and
customary" charges, which may be less than the provider's usual fee. The provider may also have a separate contract with the insurer to accept what
amounts to a discounted rate or capitation to the provider's standard charges. It generally costs the patient less to use an in-network provider.
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CALICO Insurance
| Health Insurance |
| Need Help? CALL our trained professionals at (818)333-0515 |
