Welcome to Solid Health Insurance Services!
At Solid Health Insurance Services, we believe that the most important thing for you, and those you care about, your family and your employees, is to have affordable health insurance in California.
Our mission is to find you affordable health insurance by comparing the rates from carriers such as Anthem, Blue Shield, Kaiser Permanente, Cigna, Health Net inside and outside the California State Health Insurance Exchange, Covered California.
We believe that affordable life insurance and long term care insurance will protect your family from unexpected life events. We provide you with affordable life and long term care insurance comparison quotes with carriers such as Transamerica, Allianz, Genworth, ING and other carriers.
What does solid mean? It means that your health, life, home and business are adequately insured. We want to make sure that your hard-earned assets are protected, so that you can concentrate on achieving your family dreams and financial and business goals.
Our mission is to find affordable health insurance, life insurance and long term care insurance, which best fits your individual, family and small business needs!
Covered California’s Platinum Metal Plan for 2017
Covered California’s Gold Metal Plan for 2017
Covered California’s Silver Metal Plan for 2017
Covered California’s Bronze Metal Plan for 2017
Picking Insurance is Difficult
At Solid Health Insurance Services, we believe that a quick meeting with us in person or over the phone will help you to establish your individual, family and business needs. Completing an insurance form without the advice of an agent can be difficult or even lead to problems with insurability. Especially now with the introduction of the California State Health Insurance Exchange, Covered California, there are many new aspects, such as possibly receiving financial subsidies and navigating through smaller health networks, to consider.
Biography of Barbara Schmalz
Barbara’s strong sense of organization and hard work has allowed her to be a successful business expert in Los Angeles for 25 years.
After handling the insurance matters for a manufacturing company for 5 years, Barbara founded Solid Health Insurance Agency in 2008 and enjoys serving her community ever since.
Her clients enjoy her very personal approach to find the best insurance package for them. Her consultative approach helps the client to understand the many different choices and helps to find a “solid” plan.
Substantial Health Insurance Premium increase in 2017 will have Californians rethink their health plan choicesHealth Insurance Premiums for individual policyholders will be increasing substantially in 2017. Covered California announced a state-wide average increase of 13.2 %, while PPO carriers Anthem and Blue Shield reported increases of 19.9% and higher. In contrast to... read more
10 Tips to Find Affordable Health Insurance
TIP # 1 - Shop the Insurance Market On and Off the State Health Insurance Exchange Covered California
Tip #2 - Will I qualify for a financial subsidy?
If your Modified Adjusted Gross Income (MAGI) is in between 139% and 250% of the Federal Poverty Level(FPL) are offering next to the subsidy also a cost sharing towards copayments, coinsurance and out of pocket maximum.
Tip #3 - Will my doctor and hospital be in the network?
Tip #4 - How will the insurance premium vary in California?
a) Geography : There are 19 regions in California, each rating area will have their own cost of care applied
b) Age: Rates based on age will differ by no more than a 3:1 ratio. In the past this ration was 5:1 or higher. The 3:1 ratio says that the cost of the highest age may be no more than three times the cost of a young adult. We expect that the rates for young adults will increase.
c) Family Size
In determining a family’s total cost, all adults (subscriber, spouse, adult children) age 21 and above are rated separately under family coverage, and only the three oldest children who are under age 21 will be rated in the total family premium.
Rates for a health plans are guaranteed for a full calendar year, or the duration of the calendar year for special enrollment. Rate adjustments due to age changes can only occur during open enrollment or special enrollment periods
TIP # 5 Do not use out-of-network doctors
TIP #6 - Pay for Brand Prescription
TIP #7 - Go into Higher Deductible Plans - or Limited Doctor Visits
In order to offset the steep increases in health insurance premium, many families increase the deductible on their health plans. If you do this, start putting each month $ 100 towards a saving account, so that you are able to pay your bills when the unexpected happens. With the new metal plans evaluate if a Bronze plan is really suitable for your needs. Bronze plans have a deductible of $ 6300 for medical and $ 500 drug coverage, the out of pocket maximum is $ 6800 for an individual and $ 13600 for a family. You have only limited doctor visits before the deductible applies. Please compare the Silver Plans to the Bronze Plans although the Silver Plans are more expensive they offer over all a better benefit package
TIP #8 - Add Supplemental Insurance
TIP #9 - Always Read the Out-Of-Pocket Maximum
After the deductible is reached, you have to pay a coinsurance, which can be as little as 10% Platinum Plans or as high as 40 % Bronze Plans until you reach the Out-Of-Pocket Maximum.
In-Side the Networks of an Insurance Carrier’s Health Plan , Platinum Plans have a maximum out-of-pocket limit for an individual of $ 4000, for a family of $ 8000. Gold and Silver Plans have maximum outpocket limit of $6750 Gold and $6800 Silver for an individual and for a family of $12500. Bronze Plans have a maximum outpocket of $ 6800 for an individual and $ 13000 for family .
Out-Side the Networks of an Insurance Carrier’s Health Plan the out-of pocket maximum can be considerable higher.
Tip #10 - Contact Solid Health Insurance Service - Your Insurance Agent
In order to do our job properly we keep up to date with the newest insurance plans and newest health care reform changes. We know which plans have loopholes and research the networks of each health plan. We will determine if you qualify for subsidies. We will guide you through the application process. Filling out an insurance application can be very difficult. A meeting or telephone conversation with us, will help you to successful guide your through the application process.
When our company was looking for group health insurance, Barbara was the most knowledgeable agent we spoke to by far. She recommended the plans that best fit out staff without any agenda and saw us through every step of the process with a smile.Greg Dixon
Barbara of Solid Health Insurance Agency has cut my workers’ compensation premium in half. Thank you for saving me thousands of dollars.Abe Vasquez
With Barb’s help, I now have great insurance that I can afford. Thanks Barb!Sarah T.
Barbara’s innate knowledge of insurance and her tireless efforts to inform us of the seemingly endless litany of insurance possibilities provides us with a sense of relief and trust that we’re being taken care of. She, quite literally, has saved us thousands of dollars.Rumba art. design. decor
I have found Barbara Schmalz of Solid Health Insurance Services to be very proactive in representing my interests in getting the best insurance coverage at the best rates. I appreciate how much time she puts into serving my individual interests.Barbara T.
Barbara helped me find excellent insurance after I began working from home. She was a big help and always available for questions/concerns. Thanks!Matt B.
Barbara has handled the insurance issues for my companies for 6 years. She is highly knowledgable and finds the most affordable plans. in the waste amount of plans, she finds the plan which fits the best for my company.
Barbara has been a tremendous help for me over the past two years. She is consistently available and eager to help with any of my insurance needs. She is always patient and helpful. She represents me as a client with full commitment and integrity.Juliet M.
Call 310-909-6135 for Free Quote
We look forward to building a solid relationship with you.
Please contact us at:
Solid Health Insurance Service
CA Licence # 0G05625
11639 Chenault St.
#406 Los Angeles