Best Health Insurance Agencies in Long Beach

Frequently Asked Questions

• Introduction

  If you're looking for health insurance for yourself or your family, an agent can help you save time, understand your options, and manage your costs. Insurance agents must be licensed in the state where they operate. They can provide information about on- and off-exchange plans to help you weigh all of your options, and they can see if you qualify for tax credits that can lower your monthly premiums. There's no cost to work with an agent, and they can help you save quite a bit by recommending the best plan for your needs. Here's what you should know before you get started.
  

• Can you get enrollment assistance for your health insurance application in Long Beach?

  Yes, you can obtain assistance enrolling in health insurance plans like Medi-Cal and Covered CA through the Long Beach Department of Health and Human Services. Prepare essential documents, including government ID, recent tax records or pay stubs, your Social Security card or number, and, if applicable, a resident alien card or green card. Don't forget to include proof of pregnancy if relevant.

• What are the different types of health insurance in Long Beach?

  Long Beach offers a variety of health insurance options with varying coverages to meet your needs. These include Fee for Service insurance, which provides traditional healthcare plans as well as flexible options for medical providers. Managed care insurance is another option, as it allows you to receive treatment from doctors in the managed care network. Lastly, if you want health insurance to set up a health fund for future medical expenses, a consumer-directed plan is an option.

• Do you need individual health insurance in Long Beach?

  The individual mandate in California requires you to obtain health insurance coverage or face a tax penalty in Long Beach. Individual Health Insurance plans are also required if you are self-employed or your employer does not provide a group plan. Additionally, you need individual insurance if your current plan premiums are expensive, must be changed, or do not extend to your dependents.

• Is there a special enrollment period for individual health insurance in Long Beach?

  Individual health insurance open enrollment in Long Beach runs from November to January. If you do not enroll within the specified time frame, you may apply during the Special Enrollment period. Individuals who are expecting a child, getting married, moving to a new service area, losing group health insurance, or having a lawful presence are all eligible for special enrollment.

• What is included in dental health insurance plans in Long Beach?

  Getting Long Beach dental health insurance will help you take care of your oral health and plan for future dental expenses. Major and minor restorative dental care services, such as root canal therapy and tooth filling, are covered by dental health plans. You can also get preventative dental care services like exams and cleanings.

• How can you find affordable health insurance? 

  Affordable insurance is available through employers, Medicare, Medicaid, and the federal Health Insurance Marketplace, which offers subsidies in the form of tax credits. You can also purchase coverage through private insurance companies and independent agents. Nearly half of all Americans have employer-sponsored health insurance, and about 10% of the population is uninsured.