Health Insurance

Health Insurance is the most critical insurance product you can own. Health coverage protects you and your family from high financial costs that may result from even common accidents or illnesses. For example, the cost of a typical hospital stay (about four days and two follow-up visits) could be more than $29,000. Health insurance protects your health and financial assets, and provides peace of mind.

Important Tax Savings for 2003

If you are self-employed, the IRS now allows you to deduct 100% (up from 70% in 2002) of your health insurance premiums for you and your family. This deduction is especially important because it appears on the tax return above the line for adjusted gross income. This "above-the-line deduction" is deducted directly from your income and you can take advantage of this deduction whether not you itemize your deductions. Certain limitations apply. Contact your accountant or the IRS to determine your eligibility.

Cost Savings

All the health insurance companies Kardel Insurance Services recommends have negotiated discounts for you when you use a doctor or facility from their network. By using a participating doctor, your costs will be substantially lower even before deductibles are met, saving you money. You also can save when you use a non-participating doctor or facility, but not as much.

Plan Types and Access to Health Care

The plan type you choose will determine how you select and access health care services. In general, the wider your choice of doctors and hospitals, the higher your costs will be in terms of premiums and/or levels of health care coverage.

Preferred Provider Organizations (PPO)
PPO plans offer the most flexibility in doctors and hospitals (providers). PPO plans provide coverage (at different levels) for services from both Participating and Non-Participating Providers. Using Participating Providers will yield the greatest discounts.

Health Maintenance Organizations (HMO)
HMO Plans cover more of the cost of health care than any other medical plan type. HMO Plans provide coverage only for services received from doctors and hospitals within the HMO Network. You choose a specific health care group and physician within the network to coordinate all of your health care needs.

Kardel Insurance Services has been helping individuals, families and groups with health insurance for over 40 years. We have the experience and industry contacts to find a plan that fits your needs and budget. Call today at 805.922.5283.

Free no obligation quote for groups or individuals.

BlueCross Online Quotes and Application

Health Net Online Quotes and Application

Blue Shield Online Quotes and Application