​Contact Us: (805) 496-8835  |  AGENT LOGIN  |  CLIENT LOGIN
Hayek Insurance
  • Home
  • Quotes
    • Commercial Quotes >
      • Business Insurance Quote
      • Business Owners Package (BOP) Insurance Quote
      • Group Benefits Insurance Quote
      • Insurance Bond Quote
      • Workers Compensation Quote
      • Short Term Insurance Quote
      • Next Insurance quote
      • Coterie Insurance quote
    • Personal Quotes >
      • Health Quotes >
        • Health Insurance Quote
        • Critical Illness Insurance Quote
        • Dental Insurance Quote
        • Long Term Care Insurance Quote
        • Medicare Advantage Plan Quote
        • Medicare Supplement Coverage Quote
        • Vision Insurance Quote
      • Property Quotes >
        • Home Insurance Quote
        • Earthquake Insurance Quote
        • Apartment Insurance
        • Flood Insurance Quote
        • Landlords Insurance Quote
        • Renters Insurance Quote
      • Auto Quotes >
        • Auto Insurance Quote
        • ATV Insurance Quote
        • Accident Insurance Quote
        • Classic Car Insurance Quote
        • Roadside Assistance Quote
        • Motorcycle Quote
        • RV Insurance Quote
      • Life & Financial Quotes >
        • Life Insurance Quote
        • Annuity Quotes
        • Disability Insurance Quote
        • Final Expense Insurance Quote
      • Other Quotes >
        • Boat Insurance Quote
        • Event Insurance Quote
        • Umbrella Insurance Quote
        • Travel Insurance Quote
        • Wedding Insurance Quote
        • Liquor Store Insurance Quote
  • Service
    • Report a Claim
    • Make a Payment
    • Direct Payment to Hayek
    • Update Contact Info
    • Policy Changes
    • Proof of Insurance
    • Policy Review
    • Contact My Carrier
    • Online Documents
  • Consultation
  • Insurance
    • Commercial Insurance >
      • Business Insurance
      • Business Owners Package (BOP) Insurance
      • Group Benefits
      • Insurance Bonds
      • Workers Compensation
    • Personal Insurance >
      • Health >
        • Health Insurance
        • Critical Illness Insurance
        • Dental Insurance
        • Long Term Care Insurance
        • Vision Insurance
      • Medicare >
        • Medicare Advantage Plans
        • Medicare Supplement Coverage
      • Property >
        • Home Insurance
        • Earthquake Insurance
        • Flood Insurance
        • Landlords Insurance
        • Renters Insurance
      • Vehicles >
        • Auto Insurance
        • ATV Insurance
        • Accident Insurance
        • Boat Insurance
        • Classic Car Insurance
        • Motorcycle Insurance
        • Roadside Assistance
        • RV Insurance
      • Life/Financial >
        • Life Insurance
        • Annuities
        • Disability Insurance
        • Final Expense Insurance
        • Financial Planning
        • Umbrella Insurance
      • Other >
        • Event Insurance
        • Travel Insurance
        • Wedding Insurance
        • Liquor Store Insurance
  • About
    • Staff Directory
    • Client Testimonials
    • Refer a Friend
    • Insurance Carriers
    • Agency Photo Gallery
    • Accessibility Statement
    • Client Login
    • Videos
    • Blog
    • News
  • Contact
  • Home
  • Quotes
    • Commercial Quotes >
      • Business Insurance Quote
      • Business Owners Package (BOP) Insurance Quote
      • Group Benefits Insurance Quote
      • Insurance Bond Quote
      • Workers Compensation Quote
      • Short Term Insurance Quote
      • Next Insurance quote
      • Coterie Insurance quote
    • Personal Quotes >
      • Health Quotes >
        • Health Insurance Quote
        • Critical Illness Insurance Quote
        • Dental Insurance Quote
        • Long Term Care Insurance Quote
        • Medicare Advantage Plan Quote
        • Medicare Supplement Coverage Quote
        • Vision Insurance Quote
      • Property Quotes >
        • Home Insurance Quote
        • Earthquake Insurance Quote
        • Apartment Insurance
        • Flood Insurance Quote
        • Landlords Insurance Quote
        • Renters Insurance Quote
      • Auto Quotes >
        • Auto Insurance Quote
        • ATV Insurance Quote
        • Accident Insurance Quote
        • Classic Car Insurance Quote
        • Roadside Assistance Quote
        • Motorcycle Quote
        • RV Insurance Quote
      • Life & Financial Quotes >
        • Life Insurance Quote
        • Annuity Quotes
        • Disability Insurance Quote
        • Final Expense Insurance Quote
      • Other Quotes >
        • Boat Insurance Quote
        • Event Insurance Quote
        • Umbrella Insurance Quote
        • Travel Insurance Quote
        • Wedding Insurance Quote
        • Liquor Store Insurance Quote
  • Service
    • Report a Claim
    • Make a Payment
    • Direct Payment to Hayek
    • Update Contact Info
    • Policy Changes
    • Proof of Insurance
    • Policy Review
    • Contact My Carrier
    • Online Documents
  • Consultation
  • Insurance
    • Commercial Insurance >
      • Business Insurance
      • Business Owners Package (BOP) Insurance
      • Group Benefits
      • Insurance Bonds
      • Workers Compensation
    • Personal Insurance >
      • Health >
        • Health Insurance
        • Critical Illness Insurance
        • Dental Insurance
        • Long Term Care Insurance
        • Vision Insurance
      • Medicare >
        • Medicare Advantage Plans
        • Medicare Supplement Coverage
      • Property >
        • Home Insurance
        • Earthquake Insurance
        • Flood Insurance
        • Landlords Insurance
        • Renters Insurance
      • Vehicles >
        • Auto Insurance
        • ATV Insurance
        • Accident Insurance
        • Boat Insurance
        • Classic Car Insurance
        • Motorcycle Insurance
        • Roadside Assistance
        • RV Insurance
      • Life/Financial >
        • Life Insurance
        • Annuities
        • Disability Insurance
        • Final Expense Insurance
        • Financial Planning
        • Umbrella Insurance
      • Other >
        • Event Insurance
        • Travel Insurance
        • Wedding Insurance
        • Liquor Store Insurance
  • About
    • Staff Directory
    • Client Testimonials
    • Refer a Friend
    • Insurance Carriers
    • Agency Photo Gallery
    • Accessibility Statement
    • Client Login
    • Videos
    • Blog
    • News
  • 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.

get a quote
Contact Us

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.
(805) 496-8835
3205 Old Conejo Rd
2nd Floor
Newbury Park, CA 91320
Click Here to Email Us

Health Insurance Quote
Get a health insurance quote

Navigation

Homepage
Insurance Quotes
Policy Service
Insurance Products
Contact Us
Agent Login
Client Login

Connect With Us

Share This Page

Contact Us

Hayek Insurance
3205 Old Conejo Rd
2nd Floor
Newbury Park, CA 91320
(805) 496-8835
Licensed #: 0F09609​
Click Here to Email Us
Review Us

Location

Wildwood Cyn NewburyParkCA Photo by  Howcheng | CC-BY-SA-3.0-migrated | Website by InsuranceSplash