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George Beach Insurance Services LLC Blog

Covered California Welcomes New Carrier - Bright HealthCare!

10/4/2021

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Covered California members in Contra Costa County will have a new carrier to choose from when picking their 2022 health insurance. 

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​Bright HealthCare, while not new to health insurance, is new to Covered California and Contra Costa County. Members who pick Bright Healthcare will have full access to the John Muir Health and Hill Physicians Networks.

Bright HealthCare is offering 7 plans in 2022: Bronze 60, Silver 70, Gold 80, and Platinum 90. There will also be 3 Cost Sharing Reduction plans available for those who qualify: Silver 73, Silver 87, and Silver 94.

Bright HealthCare is an HMO (Health Maintenance Organization) that truly puts the members' needs first. Bright HealthCare uses smart tools and technology to simplify health insurance for all of those involved. Their goal is to take the confusion and chaos out of the process and build benefit-packed plans that still deliver surprisingly low rates, so the member can focus on staying happy and healthy…and paying less for their healthcare.

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HMO – PPO – EPO: What’s The Difference?

3/26/2019

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HMO - Health Maintenance Organization
An HMO is a type of health insurance plan that usually limits coverage to care from doctors who work for or contract with the HMO. It generally won't cover out-of-network care except in an emergency. An HMO may require you to live or work in its service area to be eligible for coverage. You will usually need a referral from your Primary Care Physician to see a Specialist, resulting in multiple co-pays. All healthcare services are managed in-network through your Primary Care Physician.​

​In California, the popular HMOs are Kaiser Permanente, Sutter Health Plus, Western Health Advantage, Health Net of California, Sharp Health Plan, LA Care, Molina Healthcare, and Valley Health Plan.
George Beach Insurance - HMO Diagram
You will usually need a referral from your Primary Care Physician to see a Specialist, resulting in multiple co-pays.
PPO - Preferred Provider Organization
A PPO is a type of health plan that contracts with medical providers, such as hospitals and doctors, to create a network of participating providers. You pay less if you use providers that belong to the plan’s network. You can use doctors, hospitals, and providers outside of the network for an additional cost. PPOs do not require you to select a Primary Care Physician. One of the benefits of a PPO is you usually can self-refer to a Specialist.
 
In California, the popular PPOs are Blue Shield of California, Health Net Life Insurance Company, and Oscar.
George Beach Insurance - PPO Diagram
One of the benefits of a PPO is you usually can self-refer to a Specialist.
EPO - Exclusive Provider Organization
A managed care plan where services are covered only if you go to doctors, specialists, or hospitals in the plan’s network (except in an emergency). Under an EPO plan you do not choose a Primary Care Physician. You can receive care from any of the in-network doctors and self-refer to in-network specialists.
 
In California, the popular EPOs are Anthem Blue Cross, Health Net Life Insurance Company, and Oscar.
PictuGeorge Beach Insurance - EPO Diagramre
You can receive care from any of the in-network doctors and self-refer to in-network specialists.
If you want to discuss options about your health insurance, we recommend speaking with an independent insurance agent like George Beach Insurance Services. We work for you the client, and not a particular big company.
I Want The BEST Health Insurance in California
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George Beach Insurance Services LLC​
Modesto, CA 95355
(209) 353-2330​
Click Here to Email Us
CA License: 0K34688 & 0K82780
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