Receive Personalized Insurance Advice
At Terpening Insurance, we know how important it is to purchase insurance that is the best fit possible for you, your family, or your business. You want to get the highest quality coverage available for your money, and you don’t want to pay for anything that you don’t need. We take the time to get to know all of our clients on a personal level so we can prepare customized recommendations. You’ll get options for health insurance that fits your needs and your budget.
Is Molina Healthcare a Good Fit For Your Family?
Founded in 1980, Molina Healthcare is a managed care company with head operations in Long Beach. Dr. C. David Molina, an emergency room physician out of Long Beach, created his initial primary care clinic with the intention of serving the local low-income population. During his emergency room hours, he’d seen numerous patients show up with minor issues such as colds because so many doctors did not accept Medi-Cal. He wanted to give these patients the care they deserved, regardless of their budget.
Since 1985, the company has become a health maintenance organization and places a high priority on government funded healthcare programs including Medicaid and SCHIP. In addition to helping low-income individuals and families meet their healthcare needs, they also help state agencies with their Medicaid program administration.
Today there are Molina Healthcare clinics in nine states with approximately 1.8 million members. In California, they have clinics, hospitals, and specialists in Los Angeles, Riverside, Sacramento, San Bernardino, and Sacramento. As of March 2013, they have approximately 332,000 members in this area.
Prepare for Covered California
California is the first state to develop a health benefit exchange after the federal health care law passage. Covered California is intended to create a new marketplace for insurance in which individuals, families, and small business have access to the health coverage that they need. It is an independent division of the California state government. The legislature and governor appoint a five-member board to oversee the exchange.
The exchange gives people the resources they need to compare and select health plans that are suited for their specific incomes and health needs. The federal government is providing financial assistance to bridge the gap for people who cannot pay for coverage on their own. Small businesses can purchase affordable health plans and give their employees the opportunity to select their coverage from a range of plans. Companies may also be able to qualify for federal tax credits. Find out everything you need to know about Covered California with our comprehensive guide.
Get the Quotes You Need
Shopping for health insurance is stressful and overwhelming. There are a lot of options out there. It isn’t easy to get the information that you need and analyze it properly. Once we have basic details about a client, we can put together comprehensive comparisons for the top carriers in the greater Los Angeles area. Don’t delay this decision. The sooner you get health insurance, the sooner you get protection against the risks you can’t afford. Schedule an appointment at our Torrance office today.