4420 Hotel Circle Ct. Suite #130, San Diego, CA 92108
619-220-8400

Health Insurance

Good Decisions Today for a Healthy Tomorrow.

Health Insurance is a valuable asset when it comes to safeguarding you and your family. Having proper health coverage will protect you from financial hardships that could arise if you or a family member are ever sick or injured and can’t work. For businesses, having the right health benefit package is often the key to keeping your employees happy and productive, while providing the assurance that they’re protected.

At Beacon Insurance Services, Inc. , we strive to offer the best Health Insurance options possible – from individual and group plans to specialized packages that may include dental and vision coverage.

Depending on your needs, our health care packages can include:

  • Individual & Family Health Insurance
  • Group Health Insurance
  • Dental Coverage
  • Vision Coverage
  • Long-Term Care Insurance
  • Temporary Health Insurance
  • Supplemental Insurance
  • Disability Insurance
  • Medical Expense Insurance
  • Child Health Insurance
  • Travel Health Insurance
  • Prescription Insurance
  • HSAs

Why Health Insurance?

When it comes to your health you can never be too careful, and with the rising cost of medical care, Health Insurance has become a top priority. In order to have your health expenses covered at a reasonable price, having the right insurance is a necessity. Although plans vary according to your needs, they can cover anything from medical and hospital expenses to prescription drugs.

While finding the right Health Insurance is not always an easy choice, representatives from Beacon Insurance Services, Inc. are committed to providing the knowledge and support you need to help you make the right decision for you, your family, or your business.

At Beacon Insurance Services, Inc. , we provide health care insurance services near San Diego County, University City, El Cajon, Mira Mesa, National City, and Bonita.

Our Health Insurance Coverage Options Include

Smart Decisions Today for a Healthy Tomorrow

As an individual, you are most likely responsible not only for yourself, but also for the well being of your family. In order to keep yourself and those you care about most healthy and happy, you will want to ensure that you have the proper Health Insurance plan that can cover your every need and keep you protected financially.

With the cost of healthcare on the rise, you cannot afford to take any chances. At Beacon Insurance Services, Inc. , we offer Individual and Family Health Insurance plans to those who do not receive health benefit packages from their current employer, or are either self-employed, unemployed, or a student. Our various types of Individual and Family Health Insurance options include:

  • FFS (Fee-for-Service)
  • HMO (Health Maintenance Organization)
  • PPO (Preferred Provider Organization)
  • POS (Point-of-Service)
  • HSA (Health Savings Account)

Since each insurance option differs in cost and benefits, it is important to discuss your unique needs with an insurance expert who can keep you, your spouse, and your children covered under the right plan at a price you can afford.

Find a Health Insurance Plan That’s Right For You

Without an adequate Health Insurance policy, if you or a family member gets injured in an accident or becomes ill, the last thing you will want to experience is paying for high medical costs from your own pocket.

If you are an individual looking for coverage either for yourself or your family, you can find the perfect Individual and Family Health Insurance plan from Beacon Insurance Services, Inc. . Since Health Insurance options vary from state to state, our experienced, Health Insurance specialists are available to work with your needs on an individual basis in order to assist you in creating a plan that keeps you covered.

Do not risk your finances on expensive medical bills and services. Get the affordable protection that keeps those you care about most healthy with an Individual and Family Health Insurance policy.

Benefits that Keep your Employees Happy

As an employer in today’s business world, Beacon Insurance Services, Inc. knows how important it is to provide health insurance to the most valuable asset of your business – your employees. By providing each employee with a plan that meets his or her expectations, it can help your business lower turnover and keep a staff that’s healthy and insured with peace of mind.

At Beacon Insurance Services, Inc. , we’re proud to offer a variety of group health Insurance plans for small to mid-sized businesses – for quality assurance and additional benefits. Our health insurance specialists will work with you one-on-one to develop a group plan that’s not only affordable, but complements your business’s needs.

Which Plan is Right for your Business?

?Group health insurance plans typically include either indemnity plans, such as Fee-for-Service (FFS), or managed care plans, including: Health Maintenance Organization (HMO), Preferred Provider Organization (PPO), and Point-of Service (POS).

The major difference between Indemnity and managed care plans is the types of providers, choices of doctors and physicians, out of pocket expenses, and medical bill payments.

Since group health insurance options vary from state to state in coverage options and benefits, as well as the size of your business, it’s important to discuss your business’s Health Insurance needs with a specialist at Beacon Insurance Services, Inc. who can help you find a solution that’s ideal and feasible for you and your employees.

Benefits That Can Make You Smile.

With Dental Coverage as one of the most desirable options for most Americans, finding the proper plan is critical.

Whether you’re an employer looking to provide Dental Coverage to your employees and their families under a group plan, or are an individual looking to add dental as a supplement to your Individual and Family Health Insurance plan, Beacon Insurance Services, Inc. has a solution that’s right for you. From routine cleanings and check ups to additional dental work, it’s important to utilize this coverage in order to maintain good oral hygiene and overall health.

Our Dental Coverage options include:

  • Traditional Indemnity
  • Dental Health Maintenance Organization (DHMO)
  • Preferred Provider Organization (PPO)

While there are several types of Dental Coverage options, it’s important to discuss what’s right for you with a representative from Beacon Insurance Services, Inc. . We’ll help you find a plan that meets your requirements in terms of feasible co-pays, a quality dental network, overall plan price, and much more.

Contact Beacon Insurance Services, Inc. today to receive Dental benefits that keep you, your family, and those around you happy.

Additional Benefits Matter

If you are like many Americans, you require either glasses or contact lenses to get you through the day. And whether you are an employer searching to provide Vision Coverage to your employees, or an individual looking to add vision as a supplement to your Individual and Family Health Insurance Plan, finding a good plan at the right price is critical.

At Beacon Insurance Services, Inc. , we can help you develop a Vision Plan that keeps employees and family members covered from paying large out-of-pocket expenses associated with common optical needs. To learn more, please contact a representative at Beacon Insurance Services, Inc. today to find out how Vision Coverage can benefit you, your family, and your employees.

Protection that Matters in the Short Run

At Beacon Insurance Services, Inc. , we realize that individual people require individual insurance needs based on their current situation. And as an insurance agency, we also know that an unexpected accident or illness can happen at any time. That’s why we want to help you with all of your short-term needs in the event that you require a temporary solution.

A Temporary, or Short-Term, Health Insurance plan from Beacon Insurance Services, Inc. can be purchased for a variety of reasons. It is a way to keep you protected from accidents or illnesses that occur when you are not insured under a standard Health Insurance policy. Individuals who require Short-Term coverage are typically those who:

  • Have a gap in their Health Insurance as a result of switching jobs
  • Are waiting to receive benefits from their current employer
  • Have recently graduated and are looking for employment
  • Maintain a seasonal or temporary position
What’s Covered Under a Temporary Health Plan?

The right Temporary Health Insurance plan can assist in covering hospital visits, prescription drug costs, and other situations that require medical attention for injury or illness. There are several limitations; however, that are not included. These items include: physicals, exams, and pre-existing conditions. Since the terms, conditions, and duration of your policy may vary, it is important to talk to an insurance specialist at Beacon Insurance Services, Inc. who can help you find a plan that meets your needs.

Do not experience the financial burden of out-of-pocket medical expenses as a result of an unexpected injury or illness between your Health Insurance plans. Get the coverage you deserve today with a flexible and affordable Temporary Health Insurance plan from Beacon Insurance Services, Inc. .