SELF-EMPLOYED MEDICAL INSURANCE

Click here to instantly compare different plans.

To compare different plans with personal assistance, Contact Us today at 916.353.4882 or 800.569.5884 for your free quote.

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To apply now for your individual or family plan, click the applicable company logo below:

Anthem Blue Cross is part of the Blue Card program that allows PPO members access to in network care while traveling to other states. HMO members are covered for emergencies only while traveling out of state. They offer PPO and HMO networks. HSA and HRA PPO networked plans are offered.

Blue Shield, a not for profit carrier, is part of the Blue Card program that allows PPO members access to in network care while traveling to other states. HMO members are covered for emergencies only while traveling out of state. They offer PPO and HMO networks. HSA and HRA PPO networked plans are offered.

Click here to apply for Cigna

Cigna, a global company, offers in network care while traveling to other states AND out of network, “life threatening” coverage internationally. They offer PPO and HMO networks. HSA and HRA PPO networked plans are offered.

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Click here to get an online quote from Cigna Global

Need coverage while residing in a country other than your own? Cigna Global is your solution.

Covered CA is a new marketplace for private health insurance. Those eligible for tax credits and subsidies will need to funnel their application through the Covered CA website. Quoting and the ability to apply won't be available until 10/1/2013. Insurance carriers you recognize such as Blue Shield, Anthem, Health Net, Kaiser and Western Health Advantage will be available through Covered CA.

HMO members are covered for emergencies only while traveling out of state. They offer PPO and HMO networks. HSA and HRA PPO networked plans are offered as well.

Kaiser one-stop convenience being the only health care delivery system on one single IT platform. They offer HMO, POS and PPO networks. HSA and HRA HMO plans are also offered.

A not-for-profit health plan created by local doctors and their hospitals. While traveling, coverage would be for emergencies only. HMO networks are offered. HSA’s and HRA’s HMO networked plans are also offered.

SELF-EMPLOYED MEDICAL INSURANCE

Are you self-employed and looking for one local place to shop all the major insurance carriers for individual, family and small group plans? You’ve found the place. Cornerstone Insurance Services and Dina Collins have been in the medical insurance business for over 20 years. It has never been so important to use a qualified, experienced broker to help you navigate and form a strategy during this time of transition.

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Choosing a Self-Employed Medical Insurance plan for yourself, family and perhaps your employees has never been so confusing. We pride ourselves on making the complex, simple. PPO’s, HMO’s, HSA’s, PPACA/Obamacare, Insurance Exchanges/Marketplace, Subsidies, Tax Credits, Medigap, Medicare Advantage, Long Term Care. We can help you find the right Self-Employed Medical Insurance plan for your needs. Is the plan you currently have the best for you? Rest assured you will get an honest opinion from us. Not gaining a new client in the short run is worth the referrals and trust you’ll place in us in the future. Not only do we assist you in picking a plan but we stand with you along the way as servicing and claims issues arise. You likely assume this level of service comes with a price. It does not. You pay the exact same premium whether you work with an experienced broker or do it yourself.

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Self-Employed Medical Insurance coverage is changing dramatically in 2014. Coverage will be guarantee issue meaning no one will be declined coverage. You will however need to apply during initial open enrollment (10/1/2013 until 3/31/2013), annual enrollment (10/15 until 12/7 each year) or special enrollment periods (for example, within 30 days after you have lost coverage). Do you qualify for tax credits or subsidies? If so, you will want to apply for coverage through the California exchange, Covered CA. What if you don’t have medical coverage? For most, this will result in a tax. For more information go to Resources: Educational Videos and click on “ACA and Individual and Family Coverage Basics.”

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Small group coverage is also changing! Deductibles are limited, waiting periods have tighter limits and the way employees are rated is changing. If your company qualifies for the small business tax credits, you must obtain your plan through the California group exchange, called the SHOP. For more information go to Resources: Health Insurance Education and click on “ACA and Small Group Basics.”

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For personal assistance comparing different plans, Contact Us today at 916.353.4882 or 800.569.5884.