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Individuals/Families/Medicare Questions?

• I/we can't afford to pay our insurance premiums?

There are a few ways that you can lower your insurance premiums and we can help decide what works best for you. One way is to lower premiums is to create a healthy lifestyle – mainly eating healthy, not smoking and not drinking. Another option if you do not have monthly medications is to look into a policy that allows prescription deductibles which will lower your overall premium. You could also choose a policy with a higher deductible which will increase out of pocket expenses, but will lower monthly premiums.

• What do all these terms mean...HSA, PPO, HMO, IND, EPO?
• HSA- An HSA stands for Health Savings Account, and enables you to save money (tax-free) for most health care expenses. You can open an HSA after enrolling in a high-deductible health plan.
• PPO- A PPO stands for Preferred Provider Organization and offers a network of "preferred" medical providers for you to choose from. You will only be responsible for an annual deductible and a copayment for your visit.
• HMO- A HMO or Health Maintenance Organization requires you to receive most of your medical care from a network provider and require that you select a primary care physician to serve as your personal doctor. If you require care from a specialist in the network you will need a referral.
• IND - Insured Network Deposits: the cash from the IND and the INDB is deposited in multiple network banks, each up to the FDIC insurance limit; a client's total deposits are eligible for up to an aggregate of $5 million, or $10 million per joint account, of FDIC insurance.
• EPO - An EPO insurance plan is comparable to a smaller PPO, where you have a limited network of medical care providers who offer large discounts on rates.
• Do I have to pay for a broker?

When you work with a broker from Seeger Benefits you get our assistance and California health insurance quotes at no cost.

• Will you let me know when my rates are changing?

Our representatives will guide you throughout the process, and our service doesn't just end once you pick a plan. We will work with you throughout the life of your policy and that includes notifying you of changing rates or any other important news.

• Turning 65? Medicare...where do I begin?

Let us help familiarize you with the Medicare terms and regulations. We will help you find a plan that suits your needs and also fits your budget without sacrificing coverage.