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San Fernando Health Insurance

Frequently Asked Questions

Health insurance consumers in Burbank, Glendale, Van Nuys, and all of the San Fernando Valley often have in depth questions about health care insurance. To help you better understand your health insurance options, we have posted some of the questions we have been asked most frequently below, along with the answers we provided. If you do not find your question below, you are welcome to submit your question to us. Your input will help the health insurance experts at SFV Health Insurance stay up to date on the genuine concerns of the communities we serve. Your questions will also help other consumers like you find the information they need to make better health insurance decisions.

And the answer is...

Yes. Even if you are in great health, you need “catastrophic” health insurance. People in their twenties are more likely to sustain injuries during sports, recreational activities, and driving than their elders are. It may make sense to pay out of pocket for routine physicals and screening, but paying cash for hospitalization due to an accidental injury does not. A better option is to enroll in a health insurance plan with a high deductible amount. Because the plan does not pay for routine care, the premiums are low. However, the insurance safety net is in place in case you require hospitalization for serious injury or illness.

And the answer is...

Parents of small children make frequent use of the health care system for routine check-ups, immunizations, and illnesses. The best health insurance plan for routine childhood care is one that emphasizes wellness care, such as a Health Maintenance Organization (HMO) or Preferred Provider Organization (PPO). These plans cost less than other plans because they are able control costs by managing care through a network of physicians, laboratories, and clinics that agree to follow insurance company guidelines for costs and care. HMOs and PPOs charge small co-payments for routine office visits. To enjoy the full benefits of these plans, however, you must seek care within the network of participating physicians.

And the answer is...

Many consumers fear they might incur added expense by switching health insurance plans, but this is not the case. If you shop around, you can a plan with similar if not identical benefits at a lower cost. Finding a better plan requires research and knowledge. That’s why we recommend using SFV Health Insurance to find the best plan for you and your family.

And the answer is...

No. Prices for individual, family and small group health insurance in California are fixed by law. You cannot find a better price anywhere for the same plan.

And the answer is...

  • Learn what your health insurance plan covers and what your financial responsibilities are.
  • Learn how your health insurance plan handles denied claims.
  • Keep records and copies of correspondence.
  • Consult with your HR department or your employer’s employee benefits agent.
  • Follow your health insurance plan’s grievance procedure.

And the answer is...

Yes, provided the business you work for employs at least 20 people. By law, companies with 20 employees or more must offer the same health insurance benefits to employees aged 65 through 68 as they do to younger workers. Even if you keep your company’s health insurance plan, you still should enroll Medicare Part A—the taxpayer-funded health insurance plan. You can designate your employer’s plan as your primary plan and retain Medicare as your secondary plan. Medicare will be a safety net to pay for qualified expenses not covered by your employer’s health insurance plan.