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INDIVIDUAL & FAMILY HEALTH PLANS

ESM Insurance Services will be happy to help you find health plan either for youself or your family.  You can even apply for the plan of your choice online. If you are a California resident you can call us @ 916-646-6991 or 800-555-4023.  Or click on the Blue Shield of California, Blue Cross of California, or HealthNet links below.  Please don't hesitate to give us a call with your questions.  Once you apply and your plan is in place there are no claim forms to fill out unless you were out of your home state and had to pay cash for a service.  Doctors offices and Hospitals bill the insurance company directly.

Simply put, health insurance is protection against medical costs. A health insurance policy is a contract between an insurer and an individual or group, in which the insurer agrees to provide specified health insurance at an agreed-upon price (the premium). Premiums can be paid monthly by automatic bank draft  or you can op to receive a premium notice either on a monthly or bimonthly basis.

Health insurance usually provides direct payment for expenses associated with illnesses and injuries. The cost and range of protection provided by your health insurance will depend on your insurance provider and the particular policy you purchase. If your employer does not offer a health insurance plan, you may wish to purchase health insurance on your own.

Short Term Insurance:

You may need a policy for just a short period of time because you are between jobs, school, or another reason.  You can purchase health insurance that will cover you for as long as a few days all the way to a full year.

 You have many options when deciding on which health insurance plan to choose.  It is very easy to look at plan benefits and associated premiums.  Just press on any of the links below to access information and even apply online.  Available to California residents only.

    

    


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