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Why You Need Health Insurance in California
Find affordable health insurance for a lower cost than you might imagine.
Health insurance - should no longer be considered a luxury but should be 
a necessity. With soaring medical costs, one single day in the hospital could put your savings and assets at risk.
The average daily hospital stay in California is about $8,500. Year after year costs continue to rise with no end in sight. Having at least major medical insurance (also known as catastrophic health insurance) can protect you from financial devastation and provide you with quality medical care that you deserve. You may be surprised to learn just how affordable health insurance coverage can be. Obtain your own health insurance quotes by clicking on the insurance type above to get started or call us today.
Anthem Blue Cross
Anthem Blue Cross offers low cost individual and family health insurance plans in California. Get Anthem Health Insurance»
Tonik - Anthem Blue Cross
Offers individuals full comprehensive benefits that include medical, dental, and vision coverage. Get Tonik Health Insurance»
Individual Health Insurance Quote
We work with many health insurance companies in California
Anthem Blue Cross Tonik Health Insurance - You’re young. You’re healthy. But hey, life is unpredictable. All it takes is one slip, one fall, one biff and the financial pain can outweigh the physical. Anthem Blue Cross Tonik Health Insurance offers a straight-up affordable health insurance plan (with some vision and dental included) to cover your A-Z.
If you’re 19-29 years old, rates as low as $88.00 per month. All it takes is one slip, one fall, one biff and the financial pain can outweigh the physical things about it all. Obtain your own health insurance quotes by clicking on the Tonik logo above to get started or call us today for a personalized quote. Tonik Health Insurance Info»
Cover Your Travel Investment
Travel can be expensive, and you can lose your prepaid trip expenses if you need to cancel or interrupt your trip. What happens if you, your family member or travel companion gets sick, injured or dies? Or if your tour operator, airline or cruise line declares bankruptcy or if you cancel for any reason. Click here to find more info.
Insurance Quick Links
Find health insurance information through these helpful pages:
Anthem Blue Cross Returning Applicants
Blue Shield Returning Applicants
Family Health Insurance Quotes and Plans
SmartSense Health Insurance Quotes and Plans
Lumenos Health Insurance Quotes and Plans
Major Medical Insurance Quotes and Plans
CoreGuard Health Insurance and Plans
Clear Protection 5000 Health Plan
There has been a lot of talk in recent months about the so-called “public option.” So much in fact that a number of private health insurance companies have started to look for ways to make their individual health insurance plans more affordable and more flexible. While the majority of Americans still receive their health care benefits through their employers, there are a growing number of self-employed individuals and small business owners who must... Read more about the Clear Protection 5000 Health Plan from Anthem Blue Cross»
What Our Customers Say
In our 20 years of providing health insurance, we have many satisfied customers. Here are some of their comments:
"I was having problems with securing my insurance and Shawn and Deb kept on it until my whole family was approved. They never let anything slip."
by: Steven N., Nov, 2010
"I would recommend Zenker Insurance in a heartbeat. Looking for affordable health care coverage for your kids can be overwhelming to say the least. Trying to make sense of the various packages, deductibles, hospital and pharmacy rates can be very frustrating if you are not familiar with the insurance jargon/terminology, etc. Zenker Insurance, namely Debbie, has been extremely helpful in describing the various services of the health options they offer."
by: M. Smedberg, Aug, 2010
"I want to express, that it was truly a pleasure to speak with you. I will keep your contact information and provide it to others that I come across that my need your assistance. I truly value the time that you spent doing your research on my behalf."
by: M. Banferd, Jan, 2012
"I was looking for an insurance agent to get a health insurance few months ago. I didn't want to just go to a website and choose something on my own. After searching for an agent finally I found Debbie and asked her to tell me about my options . She was very professional and explained all different plans and their difference in what they offer and how much they will cost me. She sent me some quotes and later followed up with me to see if I have any questions. I was very happy with the service and the amount of the time she always spent to explain everything and answer all my questions. I did recommend her to my friend and we both applied for a ppo health insurance through her. I will definitely recommend her for any insurance services. She is great in what she is doing and hope we could have more agents like her in this business."
by: Kathy N, Feb, 2011
Why You Need Health Insurance California
Find Affordable Medical plans for a lower cost than you might imagine.
We specialize in finding affordable health insurance plans from Blue Cross of California health insurance, Blue Shield, Health Net, Aetna and Kaiser. Use our free online quoting engine to compare affordable individual and family plans and apply online.
We Specialize in Finding Affordable Medical Plans for YOU!
Health Insurance Plans for Families, Individuals, Students and Seniors
HMO
HMO (Health Maintenance Organization)
An HMO is a collection of physicians, hospitals, and other medical services all using one network. HMOs keep try costs down while providing comprehensive medical services. You members pay only small co-pays when using their services, no matter how many or what kind of services you use. In return, though, you must usually use the same hospital(s), doctors, and other medical providers in the HMO's network. In an HMO, you select one primary care physician. If you need to see a specialist, your primary care doctor must first refer you to that particular specialist before you can see them.
PPOs
PPO (Preferred Provider Organization)
In a PPO, insurance companies contract with doctors, hospitals, and other providers to form a "network."
You can sometimes get health care outside the network (someone or someplace not included in the network) but you will have to pay more. Unlike an HMO, you also have to pay a deductible and coinsurance.
You usually can see a specialist without first being referred by your primary care physician, and you have much more freedom in choosing a doctor or hospital. PPOs in California are regulated by both California Department of Insurance (CDI) and Department of Managed Health Care (DMHC).
Choosing Your Doctor
If you like your doctor and he or she is not a member of the HMO network, you will probably want to choose a PPO so you can continue seeing him or her.
Links to Insurance
Find health insurance information through these helpful pages:
Kaiser Permanente Health Insurance
Dental Plans - United Health One
If you are currently an Anthem Individual member and are thinking of changing your current plan - go to ChangeMyCoverage.com to view your options.
Other Interesting Links
Health Insurance Archived Articles
