hi this is step three in the spf five step process to make sure that you get the right maternity health insurance. the first time in the previous step you learned which health insurance companies your doctor participate in now we're going to use that information along with the best maternity plans in
auto insurance san diego, your particular region of california to figure outwhich plan is right for you hi this is tim thompson with spfinsurance and in this video we're going to go over the specific maternity plansso i'm going to show you some examples of plans in san diego, losangeles, and san francisco but what you're going to find is
that the tabs below in the in the textbelow will allow you to see the plans r ain't it from top to bottom of the bestpregnancy plans where you specifically live so let's go ahead and take a lookat some examples ok in general within california theplatinum hmo plans are going to tend to be the lowest cost option but let's takea look at what the best plans are in san francisco san diego and los angeles so if you scroll down to just below thevideo you'll see the the table here that shows the best maternity plans in california nowit's broken up into different tabs and each of these tabs contains the plansthat are available in that particular
region so for example in contra costacounty we see all of these plans listed so let's start with san diego in sandiego the top plan from a maternity standpoint it's the health net platinum90 hmo plan and wherever this plan is available it will tend to be the lowestcost option however it's only available in southern california and only in majormetropolitan areas outside of like los angeles or the san diego area you're notgoing to see this maternity health plan will have to choose a different option so as we go down the list the way thisis organized is the lowest cost plan in terms of its total out-of-pocket costsis at the top number one
and then as we move down the list thetotal out-of-pocket cost is going to start to increase 48 49 50 51 52 53 so you can see that the plans at thevery top are going to be your best option so what you want to do is focus on thenetworks that your doctor is in and find the plans from those networks and justselect the top three plans based on the network and the ones that are listedhere and keep those names in mind for the next step that we're going to do soin san diego health net then sharp
kaiser molina if you're looking for a ppo plan thefirst ppo plan that shows up is at the anthem blue cross tiered ppo and this isnumber nine so from 6176 to the 45 you're going tohave about a sixteen hundred dollar price increase in order to pick a ppoplan if that's what you really want ok so know that in advance so let's takea look at san francisco now in san francisco a lot of the names are goingto be different for example community the chinese community health plan onlyexists in san francisco and the sharp health plan in san diego does not existhere it only exists in san diego
so here we have the chinese thae kaiserand then next up on the list is blue shield so 72 vs 59 says that it's abouta thirteen hundred dollar price increase to pick a ppo plan versus an hmo plan all right next up is los angeles losangeles is broken up into south and north areas and the way you determinewhether you're in the north or south is by looking at these zip code regionsyour zip code falls in within these three categories then you're in losangeles north if it falls into these three categoriesand you're in los angeles south so the plans are pretty similar betweenthe two there's slight pricing
differences but mostly the same plans so again in los angeles this health netplatinum 90 plan is the best maternity health plan and molina kick health care plan which isonly offered on covered california then health net los angeles care now aquick note about los angeles care which is only offered on covered california as well is that lacare predominantly did medi-cal so if you go to an la care facility it might be in a little bit of a tougharea or a rough area of los angeles so just be forewarned about that if youchoose one of their plants
now if you're really looking for a goodppo option in the los angeles area there's this new entrant oscar healthinsurance and they have an epo network at the platinum level which fourpregnancies is a really good option if you need a ppo plan so if your doctorsin this network oscar could be a great solution for youin the los angeles area hopefully this has been a good overviewof the plans that are available all throughout the san diego san franciscoand los angeles ok now that you've seen some examplesand how to use that along with the information about the the networks thatyour doctor except i want to point out a
couple of special notes you'll need tobe aware of in general it only makes sense for thewoman to be on a california maternity insurance plan because those are going to be plansthat will cost a lot more so if you're doing individual and family plansdirectly with an insurance company you're going to want to make sure thatthe mail and any other children are on a different plan perhaps just a silver or bronze plandepending upon what is what they specifically need and only the womangoes on to a gold or platinum plan that will help save you as a tremendousamount of money in general
now if you are subsidy qualified andtherefore applying on covered california it's a little bit more tricky becausecovered california does not allow you to separate woman on one plan in mail andthe rest of the family on another plan you all have to be on the same plan so that means there's a little bit of atrade-off you have to kind of look at it from a subsidy amount for everybody tobe in a gold or platinum plan and what your out-of-pocket costs and that planversus what if everybody is outside and the woman is in a platinum or gold andthe husband and family is in a bronze or silver
so it's on covered california withsubsidy vs outside of covered california and on two separate plans that's the real trade-off there that'susually an area where a lot of people call us to get some help with that andthat's one of the things our advisors can help you with so take a look at the information belowand click on the tab for your specific region in california if you find that the region that youlive it doesn't exist then just leave us a comment or give us a call and letus know and we'll be happy to fill that
information in and do the analysis forthose specific plans and again at the very bottom of the video there are twolinks on the right hand side is a link that will allow you to call spfinsurance and have one of our advisors walk you through the rest of the processand on the left side is a link for the do-it-yourselfers and again all we askis that if you do it yourself just use the applying our links thatyou'll find in the quotes in a step that's coming up here real soon so when you're done pick your link andthat will take you to the fourth step which is subsidy determination bye now
auto insurance san diego, your particular region of california to figure outwhich plan is right for you hi this is tim thompson with spfinsurance and in this video we're going to go over the specific maternity plansso i'm going to show you some examples of plans in san diego, losangeles, and san francisco but what you're going to find is
that the tabs below in the in the textbelow will allow you to see the plans r ain't it from top to bottom of the bestpregnancy plans where you specifically live so let's go ahead and take a lookat some examples ok in general within california theplatinum hmo plans are going to tend to be the lowest cost option but let's takea look at what the best plans are in san francisco san diego and los angeles so if you scroll down to just below thevideo you'll see the the table here that shows the best maternity plans in california nowit's broken up into different tabs and each of these tabs contains the plansthat are available in that particular
region so for example in contra costacounty we see all of these plans listed so let's start with san diego in sandiego the top plan from a maternity standpoint it's the health net platinum90 hmo plan and wherever this plan is available it will tend to be the lowestcost option however it's only available in southern california and only in majormetropolitan areas outside of like los angeles or the san diego area you're notgoing to see this maternity health plan will have to choose a different option so as we go down the list the way thisis organized is the lowest cost plan in terms of its total out-of-pocket costsis at the top number one
and then as we move down the list thetotal out-of-pocket cost is going to start to increase 48 49 50 51 52 53 so you can see that the plans at thevery top are going to be your best option so what you want to do is focus on thenetworks that your doctor is in and find the plans from those networks and justselect the top three plans based on the network and the ones that are listedhere and keep those names in mind for the next step that we're going to do soin san diego health net then sharp
kaiser molina if you're looking for a ppo plan thefirst ppo plan that shows up is at the anthem blue cross tiered ppo and this isnumber nine so from 6176 to the 45 you're going tohave about a sixteen hundred dollar price increase in order to pick a ppoplan if that's what you really want ok so know that in advance so let's takea look at san francisco now in san francisco a lot of the names are goingto be different for example community the chinese community health plan onlyexists in san francisco and the sharp health plan in san diego does not existhere it only exists in san diego
so here we have the chinese thae kaiserand then next up on the list is blue shield so 72 vs 59 says that it's abouta thirteen hundred dollar price increase to pick a ppo plan versus an hmo plan all right next up is los angeles losangeles is broken up into south and north areas and the way you determinewhether you're in the north or south is by looking at these zip code regionsyour zip code falls in within these three categories then you're in losangeles north if it falls into these three categoriesand you're in los angeles south so the plans are pretty similar betweenthe two there's slight pricing
differences but mostly the same plans so again in los angeles this health netplatinum 90 plan is the best maternity health plan and molina kick health care plan which isonly offered on covered california then health net los angeles care now aquick note about los angeles care which is only offered on covered california as well is that lacare predominantly did medi-cal so if you go to an la care facility it might be in a little bit of a tougharea or a rough area of los angeles so just be forewarned about that if youchoose one of their plants
now if you're really looking for a goodppo option in the los angeles area there's this new entrant oscar healthinsurance and they have an epo network at the platinum level which fourpregnancies is a really good option if you need a ppo plan so if your doctorsin this network oscar could be a great solution for youin the los angeles area hopefully this has been a good overviewof the plans that are available all throughout the san diego san franciscoand los angeles ok now that you've seen some examplesand how to use that along with the information about the the networks thatyour doctor except i want to point out a
couple of special notes you'll need tobe aware of in general it only makes sense for thewoman to be on a california maternity insurance plan because those are going to be plansthat will cost a lot more so if you're doing individual and family plansdirectly with an insurance company you're going to want to make sure thatthe mail and any other children are on a different plan perhaps just a silver or bronze plandepending upon what is what they specifically need and only the womangoes on to a gold or platinum plan that will help save you as a tremendousamount of money in general
now if you are subsidy qualified andtherefore applying on covered california it's a little bit more tricky becausecovered california does not allow you to separate woman on one plan in mail andthe rest of the family on another plan you all have to be on the same plan so that means there's a little bit of atrade-off you have to kind of look at it from a subsidy amount for everybody tobe in a gold or platinum plan and what your out-of-pocket costs and that planversus what if everybody is outside and the woman is in a platinum or gold andthe husband and family is in a bronze or silver
so it's on covered california withsubsidy vs outside of covered california and on two separate plans that's the real trade-off there that'susually an area where a lot of people call us to get some help with that andthat's one of the things our advisors can help you with so take a look at the information belowand click on the tab for your specific region in california if you find that the region that youlive it doesn't exist then just leave us a comment or give us a call and letus know and we'll be happy to fill that
information in and do the analysis forthose specific plans and again at the very bottom of the video there are twolinks on the right hand side is a link that will allow you to call spfinsurance and have one of our advisors walk you through the rest of the processand on the left side is a link for the do-it-yourselfers and again all we askis that if you do it yourself just use the applying our links thatyou'll find in the quotes in a step that's coming up here real soon so when you're done pick your link andthat will take you to the fourth step which is subsidy determination bye now
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