Individuals & Families
If you
are currently insured you are likely spending more than is necessary.
If you are uninsured, you are risking your well-being and your financial
security.
It is
difficult to justify the high-cost of health insurance. Premiums have
risen to a level that make them prohibitive for most people. However,
one major medical event can easily bankrupt an individual. The cost of
major medical care is unbelievably high (NCPA 2000 data shows an average
total cost for a hospitalized person who did not have a major operation
to be $12,631). The need for insurance that covers hosptilization
and associated major medical care is a necessity for everyone.
Vinclair
has developed the analytical tools to enable a person to quantify their
healthcare needs. This service is called euCare Reports.
When
considering your insurance needs carefully evaluate key insurance benefits.
See below:
-
What is
the maximum out-of-pocket costs I can handle? ( $3000 - $10,000)
-
Do I need
to have maternity benefits now?
-
What insurance
does my current doctor accept?
-
Do I really
need insurance for Brand Drugs?
-
If something
major happens do I want quick access to the best doctor in my area?
euCare Reports
The euCare
Report takes into consideration your use of health care (office visits,
Rx charges, hospital, suregery) and compares traditional HMO/PPO coverage
to high-deductible coverage from most of the major carriers in California.
(i.e. Blue Cross, Aetna, PacifiCare, Health Net or Blue Shield). The euCare
Report will clearly show you which plan offers the best coverage at the
least amount of cost. The California carriers offer PPO plans with
a low enough premium that make high-deductible insurance a logical choice.
euCare Analysis
Vinclair specializes
in helping our clients to determine how this healthcare approach benefits
them. This service is
no-cost to current or prospective clients.
To
receive your own euCare Report, please complete the euCare Information
Sheet.
We look forward
assisting you in selecting the best health plan.
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