Contact Us: ​(310) 733-2390
Germani Insurance Services, Inc.
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      • Cyber Attack Protection
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      • Is your business income protected?
      • Does Your Business Need Hired and Non-Owned Commercial Vehicle Insurance?
  • Contact
  • Home
  • Quotes
    • Auto Quotes >
      • Auto Insurance Quote
      • ATV Insurance Quote
      • Classic Car Insurance Quote
      • Motorcycle Quote
      • RV Insurance Quote
    • Business Quotes >
      • Error & Omission Quotes
      • Contractors Insurance Quote
      • Business Owners Package (BOP) Insurance Quote
      • Group Benefits Insurance Quote
      • Insurance Bond Quote
      • Workers Compensation Quote
    • Health Quotes >
      • Health Insurance Quote
      • Critical Illness Insurance Quote
      • Dental Insurance Quote
      • Long Term Care Insurance Quote
      • Medicare Supplement Coverage Quote
      • Vision Insurance Quote
    • Life & Financial Quotes >
      • Life Insurance Quote
      • Annuity Quotes
      • Disability Insurance Quote
      • Final Expense Insurance Quote
    • Property Quotes >
      • Home Insurance Quote
      • Earthquake Insurance Quote
      • Flood Insurance Quote
      • Landlords Insurance Quote
      • Renters Insurance Quote
    • Other Quotes >
      • Boat Insurance Quote
      • Event Insurance Quote
      • Umbrella Insurance Quote
      • Travel Insurance Quote
      • Wedding Insurance Quote
  • Service
    • Report a Claim
    • Make a Payment
    • Update Contact Info
    • Policy Changes
    • Proof of Insurance
    • Contact My Carrier
    • Online Documents
    • Free Consultation
  • Insurance
    • Vehicles >
      • Auto Insurance
      • ATV Insurance
      • Boat Insurance
      • Classic Car Insurance
      • Motorcycle Insurance
      • RV Insurance
    • Business >
      • Error & Omission Insurance
      • Contractors Insurance
      • Business Owners Package (BOP) Insurance
      • Group Benefits
      • Insurance Bonds
      • Workers Compensation
    • Health >
      • Health Insurance
      • Critical Illness Insurance
      • Dental Insurance
      • Long Term Care Insurance
      • Medicare Supplement Coverage
      • Vision Insurance
    • Life/Financial >
      • Life Insurance
      • Annuities
      • Disability Insurance
      • Final Expense Insurance
      • Financial Planning
      • Umbrella Insurance
    • Property >
      • Home Insurance
      • Earthquake Insurance
      • Flood Insurance
      • Landlords Insurance
      • Renters Insurance
    • Other >
      • Event Insurance
      • Travel Insurance
      • Wedding Insurance
  • About
    • Our Company
    • Refer a Friend
    • Client Testimonials
    • Insurance Carriers
    • Accessibility Statement
    • Agency Photo Gallery
    • Blog
    • News
  • Videos
    • Auto >
      • Auto Insurance Explained
      • Teen Driver FAQs
      • Selecting The Appropriate Liability Coverage
      • How to Save Money on Your Auto Insurance
      • Save Big on Maintenance with an Extended Warranty
      • What To Do If You're In An Accident
    • Home >
      • Homeowner Insurance FAQs
      • Renters Insurance FAQs
      • How Landlord Insurance Can Protect Your Property and Rental Income
      • Condo Insurance FAQs
      • The Importance of a Home Inventory Checklist
      • What's Not Included In A Standard Homeowner's Policy
      • How To Protect Your Most Treasured Possesions
      • Earthquake Insurance FAQs
      • How to Save Money on Your Homeowners Insurance
      • Should You Insure Your Home at Market Value, or Replacement Cost?
      • Flood Insurance Made Easy
    • Life/Financial >
      • How to Protect Your Family From Financial Hardship
      • Term vs Permanent Life Insurance
      • How Much Life Insurance Do You Need?
    • Other >
      • Bundle & Save
      • How Umbrella Insurance Can Protect You & Your Family
      • Do You Have Enough Umbrella Insurance
      • Protecting Yourself Against Identity Theft
      • The Value of Working with an Independent Insurance Agent
      • How Commercial Umbrella Insurance Can Protect Your Business
      • How Commercial Earthquake Insurance Can Protect Your Business
      • How Commercial Flood Insurance Can Protect Your Business
      • How Professional Liability Insurance Can Protect You From Costly Lawsuits
      • If Your Business Got Sued, Are Your Personal Assets at Risk?
      • Cyber Attack Protection
      • Employment Related Lawsuit Protection
      • Is your business income protected?
      • Does Your Business Need Hired and Non-Owned Commercial Vehicle Insurance?
  • Contact


Health Insurance

Having the proper health insurance coverage can literally be a matter of life or death. We'll make sure you're family is properly covered with health insurance premiums you can afford.

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What is Health Insurance?

Health insurance is coverage that provides for the payments of benefits as a result of sickness or injury. Includes insurance for losses from accident, medical expense, disability, or accidental death and dismemberment.

Health Insurance Types

Health Maintenance Organizations (HMOs) and Exclusive Provider Organizations (EPOs)
  • HMOs and EPOs may limit coverage to providers inside their networks. A network is a list of doctors, hospitals, and other health care providers that provide medical care to members of a specific health plan. If you use a doctor or facility that isn't in the HMO’s network, you may have to pay the full cost of the services provided.
  • HMO members usually have a primary care doctor and must get referrals to see specialists. This is generally not true for EPOs.
Preferred Provider Organizations (PPOs) and Point-of-Service plans (POS)
  • These insurance plans give you a choice of getting care within or outside of a provider network. With PPO or POS plans, you may use out-of-network providers and facilities, but you’ll have to pay more than if you use in-network ones. If you have a PPO plan, you can visit any doctor without a referral.
  • If you have a POS plan, you can visit any in-network provider without a referral, but you’ll need one to visit a provider out-of-network.
High Deductible Health Plan (HDHP)
  • High Deductible Health Plans typically feature lower premiums and higher deductibles than traditional insurance plans. 
  • If you have an HDHP, you can use a health savings account or a health reimbursement arrangement to pay for qualified out-of-pocket medical costs. This can lower the amount of federal tax you owe.
Catastrophic Health Insurance Plan
  • A catastrophic health insurance plan covers essential health benefits but has a very high deductible. This means it provides a kind of "safety net" coverage in case you have an accident or serious illness. 
  • Catastrophic plans usually do not provide coverage for services like prescription drugs or shots. 
  • Premiums for catastrophic plans may be lower than traditional health insurance plans, but deductibles are usually much higher.

    Contact us to learn more about the right health insurance for you.
(310) 733-2390
3415 S Sepulveda Blvd
11th Floor
Los Angeles, CA 90034​
Click Here to Email Us
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Germani Insurance Services, Inc.
CA license # 0I43584
3415 S Sepulveda Blvd
​11th Floor
Los Angeles, CA 90034
(310) 733-2390​
Click Here to Email Us

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