Kaiser is only HMO - all their eggs in one basket, Health Net lapsed its NCQA accreditation last year and Pacificare, mainly HMO has had recent financial troubles . The HMO model is based on cost control, an increasingly difficult feat in today's medical world. We are independent brokers which means we can deal with any company . We choose to concentrate on Blue Cross and Blue Shield because they will be around and they provide the widest array of options including strong PPO plans and MSA's. 25 years in the California health insurance market.
Health insurance can be complicated.
That's where we come in. Impartial - Again, the rates and benefits for a given company are identical regardless of who you buy it through.