California Health Insurance Quotes

• Lower premiums
• High deductible, then 20% for most visits and services
• Allows you to open a tax-advantaged HSA

The Aetna Advantage Managed Choice Open Access High Deductible 3000 Plan is designed to work in conjunction with contributions to a Health Savings Account (HSA). An HSA allows you to pay for qualified medical expenses on a tax-advantaged basis. Your premium payments could be lower. The “high-deductible” part means that you’ll pay more out of pocket than with most other plans before coverage kicks in.

Features of the Managed Choice Open Access High Deductible 3000 Plan (in-network rates)
Lower Premiums

• Annual deductible $3,000 individual; $6,000 family
• Out-of-pocket maximum $3,000 individual; $6,000 family
• Office visit copay 0% after deductible***
• Prescription drug copay 0% after deductible****
• Hospitalization 0% after deductible***
• Skilled nursing, physical/occupational therapy, chiropractic care, home health care, durable medical equipment 0% after deductible***

Like other Aetna Managed Choice health insurance plans, the Managed Choice Open Access High Deductible 3000 Plan gives you the freedom to go directly to any recognized health care provider, including specialists, for covered expenses. The above costs apply if you choose a health care provider from Aetna’s network of participating physicians, dentists and hospitals. Costs will be higher if you choose out-of-network health care providers.

Your next step
This page gives a quick overview of this health insurance plan and does not include all of its features and specifications. Health insurance plans contain exclusions and limitations. Before you decide if it’s right for you, be sure to get more detailed information below, or Get a Quote.

Review the coverages available to you:

• Plan Design/Options
• Dental Plan Design/Options
• Plan Brochure
• Rates
• Enrollment Form

Are you a small business looking to insure 2 to 50 employees? If so, please visit the Small Group Employer section of our website.

* Aetna Advantage Plans for individuals, families and the self-employed are underwritten by Aetna Life Insurance Company (Aetna) directly and/or through an out of state blanket trust and Aetna Health Inc. In some states, individuals may qualify as a business group of one and may be eligible for guaranteed issue, small group health plans.

** Investment services are independently offered through JPMorgan Institutional Investors, Inc., a subsidiary of JPMorgan Chase Bank.

*** For covered expenses.

**** Integrated Medical/Rx Deductible.

Many parents don’t realize that in California it is possible to put children on their own California health insurance. There are many reasons why it would make sense to provide the child’s coverage on their own policy.

As the economy changes some employers who provided family care have eliminated paying for anyone except the employee and in many cases leaving for single parents to search for affordable health insurance for their children.

Divorce is another situation where we may accidentally leave Children “out” of health insurance coverage. After one divorce a Husband was to carry the child/ children on his group insurance policy and all seems ok until the Husband is laid off. The options are for the ex employee to take advantage of COBRA which is up to 102% of the cost of the insurance coverage. Unfortunately this may not be the best insurance solution.

Purchasing insurance separately may also be advantageous for parents who are independent contractors and do not work for large companies who provide health benefits. Even if a parent works for a companies it still may be a good idea to provide a separate coverage if the stability of the job is questionable. If these is a loss of job, the health coverage is not affected.

These plans can be customized for every child’s and family’s situation. In addition there are several benefits that can be added to these “Stand alone’ plans to enhance them.

Matt is seriously concerned “Many large health insurers have set up programs to cover “child only” plans at very reasonable cost. And we hope all take advantage of our website which will provide for quotes for children to age 18.