Life & Health Insurance Quote Forms
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Life & Health Insurance Information
Are you spending too much on Health & Life Insurance? Does it feel like your options are between nothing but giant corporations who just want to get the most they can out of your wallet?
It is time to stop settling for insurance companies that clearly do not have any interest in getting you the best rates or taking your calls. This is why you can work with Baja Insurance. Our expert team will do their best to get you the lowest rates possible and prevent you from dealing with the hassle of communicating with the health Insurance giants.
At Baja Insurance our motto is “Because we are family” and we take that to heart in everything we do. We want to get you the best insurance rates, because we do not think it is fair that so many insurance companies are using you as nothing more than a means to an end for their wallets. We want to get you great insurance rates, because that is what you deserve.
We want to talk to you about your rates and work through them with you. If you have questions then we will try to answer them. Larger insurance companies are going to avoid you and talk around you. They will put you on hold for hours at a time. This lack of communication is frustrating and something we want to avoid in our communications with you.
We try to make ourselves available to all clients. This includes the Spanish speaking community. Many of our team members are brought on because their ability to speak Spanish allows them to communicate with a part of the community that often goes unheard. We will not let language barriers separate you from getting the insurance rate you deserve.
Don’t go without health or life insurance
Living without health insurance is a nightmare and not something you should settle for. Without health insurance you have to live in a world of fear and concern. Any incident, medical appointment, or just getting sick at the wrong time could leave you taking out loans just to pay your bills. Health insurance will cover you from that.
Life Insurance is there to protect you in case the worst ever happens. You never have any idea what life will throw at you or your family and you want to be prepared for that. Life insurance can help make sure that if you are ever gone your family and those you care for will still be taken care of.
Through us we can try to get you health or insurance that will wash these fears away.
What kinds of health insurance are there?
There are essentially two kinds of heath insurance: Fee-for-Service and Managed Care. Although these plans differ, they both cover an array of medical, surgical and hospital expenses. Most cover prescription drugs and some also offer dental coverage.
These plans generally assume that the medical professional will be paid a fee for each service provided to the patient. Patients are seen by a doctor of their choice and the claim is filed by either the medical provider or the patient.
- Managed Care
More than half of all Americans have some kind of managed-care plan1. Various plans work differently and can include: health maintenance organizations (HM0s), preferred provider organizations (PPOs) and point-of-service (POS) plans. These plans provide comprehensive health services to their members and offer financial incentives to patients who use the providers in the plan.
What is 'long-term care'?
Because of old age, mental or physical illness, or injury, some people find themselves in need of help with eating, bathing, dressing, toileting or continence, and/or transferring (e.g., getting out of a chair or out of bed). These six actions are called Activities of Daily Living–sometimes referred to as ADLs. In general, if you can’t do two or more of these activities, or if you have a cognitive impairment, you are said to need “long-term care.”
Long-term care isn’t a very helpful name for this type of situation because, for one thing, it might not last for a long time. Some people who need ADL services might need them only for a few months or less.
Many people think that long-term care is provided exclusively in a nursing home. It can be, but it can also be provided in an adult day care center, an assisted living facility, or at home.
Assistance with ADLs, called “custodial care,” may be provided in the same place as (and therefore is sometimes confused with) “skilled care.” Skilled care means medical, nursing, or rehabilitative services, including help taking medicine, undergoing testing (e.g. blood pressure), or other similar services. This distinction is important because generally Medicare and most private health insurance pays only for skilled care–not custodial care.
What are the types of disability insurance?
There are two types of disability policies: Short-Term Disability (STD) and Long-Term Disability (LTD):
- Short-Term Disability policies (STD) have a waiting period of 0 to 14 days with a maximum benefit period of no longer than two years.
- Long-Term Disability policies (LTD) have a waiting period of several weeks to several months with a maximum benefit period ranging from a few years to the rest of your life.
Disability policies have two different protection features that are important to understand.
- Non-cancelable means the policy cannot be canceled by the insurance company, except for nonpayment of premiums. This gives you the right to renew the policy every year without an increase in the premium or a reduction in benefits.
- Guaranteed renewable gives you the right to renew the policy with the same benefits and not have the policy canceled by the company. However, your insurer has the right to increase your premiums as long as it does so for all other policyholders in the same rating class as you.
In addition to the traditional disability policies, there are several options you should consider when purchasing a policy:
- Additional purchase options
Your insurance company gives you the right to buy additional insurance at a later time for an additional cost.
- Coordination of benefits
The amount of benefits you receive from your insurance company is dependent on other benefits you receive because of your disability. Your policy specifies a target amount you will receive from all the policies combined, so this policy will make up the difference not paid by other policies.
- Cost of living adjustment (COLA)
The COLA increases your disability benefits over time based on the increased cost of living measured by the Consumer Price Index. You will pay a higher premium if you select the COLA.
- Residual or partial disability rider
This provision allows you to return to work part-time, collect part of your salary and receive a partial disability payment if you are still partially disabled.
- Return of premium
This provision requires the insurance company to refund part of your premium if no claims are made for a specific period of time declared in the policy.
- Waiver of premium provision
This clause means that you do not have to pay premiums on the policy after you’re disabled for 90 days.
There are many kinds of life insurance, but they generally fall into two categories: term insurance and permanent insurance.
Term insurance is designed to meet temporary needs. It provides protection for a specific period of time (the "term") and generally pays a benefit only if you die during the term. This type of insurance often makes sense when you have a need for coverage that will disappear at a specific point in time. For instance, you may decide that you only need coverage until your children graduate from college or a particular debt is paid off, such as your mortgage.
In contrast, permanent insurance provides lifelong protection. As long as you pay the premiums, and no loans, withdrawals or surrenders are taken, the full face amount will be paid. Because it is designed to last a lifetime, permanent life insurance accumulates cash value and is priced for you to keep over a long period of time.
It's impossible to say which type of life insurance is better because the kind of coverage that's right for you depends on your unique circumstances and financial goals.
Contact us for more questions
If you are tired of spending too much on life or health insurance then look towards Baja Insurance. We will always do our best to get you rates lower than the biggest insurance groups out there. Stop trying to communicate with groups that are only going to put you on hold, avoid talking to you, and take away too much money. Look towards Baja Insurance for your life insurance plans.
If you have any more questions then feel free to call us at 877-627-2252, or fill out the form below to get started on receiving a quote.
But remember, the best way to figure out the amount and type of life insurance that makes sense for your particular situation is to meet with a qualified life insurance professional.
1 - Source : MANAGED CARE AND THE STATES