Individual Health

Individual Health  

Overview

Individual and Family Health Insurance Overview


Are you single or married? Are you young, middle-age or nearing retirement? Do you have doctors that you have a relationship with? How many different prescriptions do you need?


It's easy to see how everyone has different and specific health insurance needs they want to satisfy.

 

That's why your association teamed up with Mercer to help you choose your individual and family health insurance plans. You can customize a medical package that works best for you—and our online Resource Center helps you understand your health care options. Individual and family dental plans, and travel medical insurance plans are also available.

If you need assistance, please contact 1-888-626-0028.

Looking for affordable health insurance?

Quickly compare rates to make sure you're getting the best deal on your medical insurance.

Visit CMACountyHealth.com

Tell Me More

When shopping for health insurance, one needs to keep three thoughts in mind at all times:

 

1)     What are the benefits?

2)    What are the rates?

3)    Where can I go for care?

 

Hopefully, the first question has been made a little easier to understand by having health insurance plans categorized as Platinum, Gold, Silver, and Bronze.  Plans that are Platinum should cover 90% or more of the typical insureds’ health care costs in a year, Gold plans 80% or more, Silver 70% or more, and Bronze 60%.  This doesn’t mean that one Platinum plan is an exact duplicate of another Platinum plan, but the expected payouts to insureds should be actuarially equivalent. 

 

The online quoting tool allows you to research the doctors that you want to see, covered by the plans that offer the rates you can afford.  If you need to speak to an agent, they are available by telephone as well.

 

Mercer research shows that most people over-insure and would have better financial outcomes by choosing larger deductibles and co-pays while paying lower premiums, so don’t be afraid to consider the Silver and even Bronze level plans.  We suggest also considering plans that offer the option of opening up a Health Savings Account (or HSA) so you can invest the savings from choosing a larger deductible into your own personal tax advantaged account. 

Contact Us

We're here to help! Please contact us in whatever manner is most convenient for you.

 

 Address
Mercer Health & Benefits
Insurance Services LLC
633 West 5th Street, Suite 1200
Los Angeles, CA 90071
 Phone
1-800-842-3761
 Hours
 M-F 8a-5p PST
 Fax
213-346-5946
 Email
cmacounty.insurance.service@mercer.com
  • What is the difference between a quote and an application?

    A quote is strictly a "base" premium based on the data (date of birth, city, etc.) given. Final rates are based on full medical underwriting, including an application. After the carrier receives the application, medical underwriting can include a phone interview, a urine specimen, a physical exam or some combination thereof. The majority of the underwriting lies in the application and phone interview. The carrier can also request full medical records from your provider. Based on all of this information, a final medical decision will be made -- i.e., approved as-is, approved at a higher rate, approved with a rider or declined.
  • How do I apply?

    When you receive your application (via e-mail, PDF download or U.S. mail), please fill it out and return it to us. The HealthInsurance.com application processing department will prescreen the application and then forward it to the carrier for further medical underwriting. Please do not cancel any coverage you may already have until a final offer is made and a policy number is issued.
  • In order to qualify for this plan, do I need to answer questions regarding my medical history?

    Yes. Because this is an individual and not a group policy, the insurance carrier will medically underwrite your application. Your application may be approved, your premium may be adjusted or you may be declined based on this medical underwriting.
  • How long will it take for my application to be approved?

    Most underwriting is completed in approximately four weeks. The carrier will perform a phone interview, and in some states, a urine sample may be required. The carrier may also request medical records from your doctor. Keep in mind that while some doctors are quick to turn this information around, some are very slow, and this may affect the time it takes to approve your application.
  • What are the limitations regarding pre-existing conditions?

    Some of our carriers will consider covering pre-existing conditions with an increase in your premium to cover ongoing medications or treatments. Keep in mind that with some carriers, pre-existing conditions are normally not covered during the first 12 months of the policy. Other pre-existing conditions cannot be covered. We will provide you with a list of these conditions as part of our quoting process.
  • Does your plan include a physician office copay or dental benefits?

    Yes. Most of our carriers offer these options.

     
  • Why are these plans not available in all states?

    Due to strict state legislation, most insurance carriers do not write new business in all states. We are committed to bringing you the most competitive insurance products available, and will continue to explore other options where products are not currently available.
  • Are all insurance carriers reputable?

    We require all major medical carriers to be rated at least an "A-" by A.M. Best, an independent insurance-rating company.
  • How can I find out if my doctor is part of the PPO?

    A book of all participating doctors will be sent to you upon approval of your policy. Also, most PPO networks have a website on which you can search for your current physicians. As you review plans on our site, you can click the "Provider Search" button to see a listing of the providers offered by a particular insurance carrier.
  • I was referred by my association's website. Is this policy endorsed by my association?

    Your association endorses the "HealthInsurance.com" approach to making individual health insurance coverage available to its members. That means that in order to provide you with a competitive product that meets your specific needs, HealthInsurance.com work with a variety of individual carriers.
Notes

1. If you qualify as a small group (2–50 physicians and employees), do not enroll here. Click here for information on the CMA small group medical plans.

2. Do not cancel any in-force health insurance until you receive written formal approval of acceptance from the insurance company to which you are applying. Rates quoted are subject to change based on the health plan's underwriting practices and of your selection of available optional benefits, if any. All rates quoted for each insurance company are for new groups/individuals only and the rates may not apply to existing customers of the insurance company. Insurance companies may change rates and benefits without notice. All plan benefits and information displayed on this site are a general summary of the products of each insurance company. Final rate and benefit information are always determined by the insurance company.