Health Insurance

Looking for health insurance coverage? We can help!

Whether you’re a recent graduate, self-employed, retiring early, or working without health coverage, one of our plans could be just right for you. What else makes us different?

  • Affordable monthly premiums
  • nbsp;Discounts on medical care
  • Your choice of doctors
  • No Broker Fees!

Kazerouni Insurance Services offers Member-focused service, a wide choice of plans and doctors, financial strength and affordable rates.

Call Us Now: (858) 245-1149

What Factors that Affect Your Health Insurance Payment

As our economy is still struggling to bounce back, it’s now more than ever more necessary to come up with belt-tightening measures. Spending smartly and being cautious about every penny that comes out of our wallet is really something that we can’t get away with – well that is if we want to survive these trying times without too much dent on our finances.

These belt-tightening schemes would no doubt include your health insurance coverage. So in order to slash some precious dollar from our health insurance plan or for your health care in general, you have to understand what really is shaping up your insurance policy cost. If you don’t have coverage at work and paying insurance on your own through individual or family insurance plans, these should give you a pretty clear idea on what are the factors that affect your premium.

  • Your health status – Obviously, the healthier you are, the more affordable your premium is.  As you can imagine, the more health risk you pose, the higher you premium will be because your insurer will likely have a bigger chance of paying more on your covered benefits. If your health often requires visiting the doctor’s clinic or you need some prescription drugs taken regularly for a long time, your insurer will usually ask for a higher premium or monthly payment in return for the amount that they’ll be paying out.
  • Your gender – It may not come as a surprise that women would usually have higher health insurance premium as compared to men. This is because there’s one medical need that a woman would require that men will never have – pregnancy. As you know, getting pregnant, giving birth and rearing baby would require some medical attention – which translates to insurers as an expense.
  • Your age – As you grow older, the chance of your body to require medical attention also increases. And it’s not hard to imagine what your insurer takes on by insuring you – that’s why their usual recourse is to jack up your insurance premium.

These factors play a big factor in determining your monthly premium but won’t affect that much as the year 2014 comes along. In addition, there’s no more reason for insurers to charge you more based on your gender and there will not be much difference in the cost of insurance based on age.

Our Carriers:

  • Nationwide Independent
  • American General Life Insurance
  • American Reliable logo
  • amtrust north america logo
  • Anderson & Murison Logo
  • Arrowhead General Insurance Logo
  • Banner Life
  • California Fair Plan Logo
  • CBIC
  • Charity First Insurance Logo
  • Chubb Insurance
  • Citizens_Property_Insurance_Logo
  • ICAT Catastrophe Insurance
  • C N A Insurance Companies
  • Crestbrook Insurance Company Logo
  • CSE Insurance Group logo
  • Deans & Homer Logo
  • Distinguished Programs
  • ELM Insurance Brokers Logo
  • Employers Insurance Logo
  • Encompass Insurance
  • Fidelity National Insurance Company
  • FEMA: The National Flood Insurance Program
  • First American Insurance Logo
  • Foremost Insurance
  • GMAC Insurance
  • Genworth logo
  • Geovera Insurance
  • Golden Eagle Logo
  • Hagerty Insurance
  • Harford_Mutual_Logo
  • Hartford Steam Boiler
  • The Hartford
  • HCC Surety Group Logo
  • Health Net Logo
  • ICW Logo
  • Infinity Auto Insurance Logo
  • The Insco-Dico Group
  • John Hancock
  • K&K Insurance Group Logo
  • Kaiser Permanente
  • Mercury Insurance Group
  • Met Life
  • Old Republic Logo
  • Oregon Mutual logo
  • Pacific Select Property Insurance Logo
  • Philadelphia Insurance Logo
  • Preferred Employers Logo
  • Principal Financial Group
  • Progressive Insurance
  • Prudential
  • Rain and Hail logo
  • RLI Insurance
  • Safeco
  • Sequoia Insurance Company
  • St. Paul-Travelers
  • State Fund Logo
  • Stuckey & Co. Logo
  • Tapco_Logo
  • Titan Insurance logo
  • Travelers Insurance
  • UCA General Insurance Services Logo
  • USLI Logo
  • US_Insurance_Services_Logo
  • Voya Financial Logo
  • Western National Insurance logo
  • The Zenith Agribusiness Solutions
  • Zenith Logo
  • Zurich Insurance