Health Insurance in Hollister, CA
Despite safe decisions and responsible lifestyle choices, you and your family may inevitably need help from health care providers and professionals at some point. Ample planning can be critical in these situations, as medical products and services can quickly add up and lead to expensive bills. Fortunately, you can avoid or limit these potential costs by understanding and securing a suitable health insurance policy.
Why Is Health Insurance Important? 
Medications, surgeries, preventive care, emergency services and other health care needs are often expensive. Even if you’ve set aside a sizable nest egg or rainy day fund, retaining health insurance can be a more cost-effective solution than paying out of pocket for medical needs. For many individuals and families, optimal care may be inaccessible or lead to catastrophic debts if not for the assistance of health insurance.
What Does It Cover?
Health insurance can vary in its exact capabilities and limitations, but many plans may help you and your family enjoy reduced out-of-pocket costs while accessing the following:
- Preventive care
- Hospital stays
- Ambulatory services
- Prescription drugs
- Laboratory services
- Maternity, pregnancy and newborn care
- Rehabilitative and habilitative services
- Mental health and substance abuse care
How Does It Work?
Although health insurance policies can vary significantly in their details, they may include familiar components. Specifically, you should familiarize yourself with the following aspects of your plan:
- Premiums are how much you pay regularly (e.g., monthly) for your coverage.
- Deductibles are minimum amounts you pay before your policy can render financial aid.
- Copays are flat amounts you pay for specific services, such as regular checkups and screenings.
- Coinsurance functions similarly to copays but works as a percentage of total costs for which you’re responsible.
- Out-of-pocket limits are the most you can be required to pay out of pocket for covered services in a plan year.
Learn More
At Shelton Insurance, we can help you and your family find the right health plan. Contact us today to begin addressing your coverage needs.