Bay Area Health Solutions

Bay Area Health Solutions

Insurance

1816 Tully Rd Suite 186, San Jose, California, United States

About Us

I, Gary Church, am a U.S. Army Veteran. I feel most honored when I’m helping people. I understand how our Healthcare system works. I understand just having a standard health insurance plan may not be enough to protect individuals and families financially due to a life-changing event. I am a Life and Health insurance agent with over 20+ years of experience. I am a Certified Covered California Agent. I work with my clients, regarding their health insurance needs, to develop a Comprehensive Health Plan. 

Are you a senior, age 65 or above, or on Social Security Disability, who qualifies for Medicare.  I can help you navigate the Medicare process and help select a Medicare plan that meets your needs.  

Do you travel out of the United States on vacation or for business purposes? Then you need to understand that your health insurance coverage does not work outside the United States. You need to have an International Health Insurance plan. I can help!

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Products / Services

  • health insurance

  • life insurance

  • small group insurance

  • supplemental insurance

  • disability insurance

  • medicare

  • Travel Insurance

  • GeoBlue International Travel Health Insurance

  • Cigna International Travel Health Insurance

Video

FAQs

Do insurance agents help with claims?

The job of an insurance agent is not only to sell insurance policies. He is expected to also help those to whom he has sold insurance to file their claims so that the settlement is as quick and hassle-free as possible. Not all agents take this part of their job seriously. Buy insurance only from an insurance agent that is known for client focus and for providing full and complete service, including with claim filing.

What an insurance agent does?

Buying an insurance policy is a complex and confusing matter, especially when it comes to health insurance. There are so many insurance companies, policies and coverage options that making the right choice is very difficult and mistakes that could result in the wrong coverage or spending more than you have to is a common occurrence. An insurance agent a professional with the expert knowledge to help clients find the insurance coverage that is right for them, at the right cost.

What is a good age to get life insurance?

The ideal thing is to take out life insurance as soon as you have people who are dependent on you and who will suffer financially if you should die. Unfortunately, that is also what people think applies to health insurance. It is not so. Sickness and injury can strike anyone at any age, whether that person is alone or part of a family group. The cost of healthcare can be financially ruinous and also affect the financial position of dependents. At Bay Area Health Solutions we know how to evaluate health insurance needs and then find the best possible coverage for each person or family.

Is health insurance required?

The Affordable Care Act (ACA) requires most Americans to have health insurance. If you don't have health insurance, you may have to pay a penalty. There are some exemptions from the requirement to have health insurance, including religious exemptions and certain financial hardship waivers. For more information, see the official government website for healthcare reform at healthcare.gov.

Do i need health insurance to travel out of province

Yes, you need travel health insurance to travel out of province. Unless you are a US citizen or have a valid work permit, you will likely need to purchase travel health insurance in order to visit another province in the US.

This is because provincial health care plans do not cover out-of-province medical expenses. And even if you are covered by your home province's plan while traveling, the coverage may be limited and may not include things like prescription drugs or ambulance transportation.

That's why it's important to have a good travel health insurance policy in place before heading out on your trip. It can help protect you from unexpected medical costs if something should happen while you're away from home.

What are benefits of travel insurance?

There are many benefits to having travel insurance, especially if you're traveling internationally. Travel insurance can help cover medical expenses in the event that you get sick or injured while traveling, as well as lost baggage or canceled flights. It can also provide financial protection in case you have to cancel your trip due to an unexpected emergency.

How Supplemental Health Insurance Works

Supplemental health insurance is a type of coverage you can purchase to supplement your regular health insurance policy. It typically covers expenses not covered by your primary health insurance plan, such as out-of-pocket costs, coinsurance, and deductibles. Supplemental health insurance can also provide coverage for additional services not included in your regular plan, such as vision and dental care. 

Most supplemental health insurance policies are sold by private insurance companies, although some employers may offer supplemental coverage as part of an employee benefit package. If you're considering purchasing a supplemental health insurance policy, it's important to compare plans and prices before making a decision. You'll also want to make sure that the policy you choose will complement your regular health insurance coverage.

What Are the Duties of Insurance Agents?

Insurance agents are responsible for helping customers choose the insurance plans that best suit their needs. They must be knowledgeable about the different types of insurance policies available, and they must be able to answer customer questions about coverage and premiums.

Agents also often assist with filing claims and helping policyholders understand their policy's terms and conditions. In addition, many agents are responsible for marketing insurance products to potential customers.

Importance of Travel Insurance: Why you need it for your travel?

There is no shortage of reasons you should have travel insurance when you take a trip. Travel insurance provides vital protection if something goes wrong while you are away from home. Whether it is a medical emergency, lost luggage, or cancelation of your trip, travel insurance can help smooth the wrinkles and provide much-needed financial protection. 

You never know what might happen when you travel. No matter how well you plan, unexpected things can always happen. Medical emergencies, natural disasters, and other unforeseen events can quickly turn your dream vacation into a nightmare. Having travel insurance gives you the peace of mind to enjoy your holiday.

Why do I need Travel Insurance?

There are a few reasons why you might need travel insurance. Firstly, if you're going to be traveling abroad, it's always a good idea to have some kind of health insurance in case you get sick or injured while away from home. Secondly, travel insurance can also cover things like lost luggage or cancelled flights. And finally, if you're planning on doing any kind of extreme or dangerous activities while on your trip (like skiing, hiking, or bungee jumping), then having travel insurance is an absolute must.

How do I choose the best travel insurance?

The best travel insurance is the one that meets your specific needs. For example, if you're a backpacker who's only going on short trips, you may not need as much coverage as someone who's going on a longer trip.

Some things to consider when choosing travel insurance include:

1. whether you'll be covered for medical expenses, lost or stolen luggage, cancellations or delays, and other potential risks.

2. the amount of coverage available.

3. the deductible (the amount you'll have to pay out of pocket before the insurance company starts paying).

4. whether the policy includes Worldwide cover or just within your home country.

5. whether you need additional cover for activities like skiing or snowboarding.

How long before a trip do you have to buy travel insurance?

It's always a good idea to buy travel health insurance before you leave on a trip. Many policies offer coverage for trip cancellations, trip delays, lost luggage, and medical expenses.

To find the best policy for you, compare the rates and benefits of different policies. Be sure to read the fine print so you know what is and isn't covered. And don't wait until the last minute to buy insurance - policies can often be purchased up to a few days before you leave on your trip.

What is a small group plan?

A small group plan is a type of health insurance plan that is designed for groups of two to fifty people. Small group plans are often less expensive than individual health insurance plans, and they offer many of the same benefits.

Small group plans are offered by private insurers, and they are regulated by the state in which they are sold. In most states, small group plans must cover essential health benefits, and they cannot deny coverage or charge more for people with pre-existing conditions.

What are the benefits of small groups?

Small group health insurance plans are a great way to get affordable health care coverage. They are typically less expensive than individual health plans, and they offer many of the same benefits. In addition, Small group health insurance plans often have lower deductibles and fewer out-of-pocket expenses. This makes them a great option for businesses with fewer than 50 employees.

If you are looking for affordable health care coverage, consider small group health insurance. You will enjoy many of the same benefits as larger groups, but you will likely pay less for your coverage.

What does supplemental insurance mean?

Supplemental insurance policies are designed to offer additional coverage for specific types of events or perils that are not typically included in a standard homeowner's or renter's insurance policy. 

For example, a supplemental policy might provide coverage for losses that occur as the result of a water leak, while a standard homeowner's or renter's policy would not. Or, it might provide additional coverage for losses that occur as the result of a car accident, while the standard policy would only cover damage to the car itself. 

Supplemental insurance policies can be purchased separately from a standard policy, or they can be added on as an endorsement to an existing policy. They are generally less expensive than purchasing standalone policies, but they can be very helpful.

What are the 4 types of Medicare?

There are four main types of Medicare coverage:

Medicare Part A: This is hospital insurance that helps cover inpatient care in hospitals, hospice care, and some home health care services. It is usually available to people who are 65 or older, or to those who have certain disabilities.

Medicare Part B: This is medical insurance that helps cover doctor visits, preventive care, and other medical services and supplies that are not covered by Part A. It also covers some preventive care, like screenings and vaccines.

Medicare Part C: Also known as Medicare Advantage, it is an alternative way to receive Medicare benefits. It is offered by private insurance companies that contract with Medicare to provide Part A, Part B, and often extra benefits and services, all in one plan.

Medicare Part D: This is prescription drug coverage that helps cover the cost of prescription drugs. It is available through private insurance companies that contract with Medicare.

It's important to note that Original Medicare (Part A and Part B) is a national program, while Medicare Advantage (Part C) and Part D plans vary by location, so the benefits and costs can be different depending on where you live.

What are the top 5 Medicare Supplement plans?

There are several Medicare Supplement plans, also known as Medigap plans, that provide additional coverage to traditional Medicare. The top 5 Medigap plans based on popularity and coverage are:

    Plan F - This plan provides the most comprehensive coverage and pays for all out-of-pocket costs that traditional Medicare doesn't cover, including deductibles, copays, and coinsurance.

    Plan G - This plan is similar to Plan F, but doesn't cover the Medicare Part B deductible. It is often more affordable than Plan F.

    Plan N - This plan is a lower-cost alternative that provides more limited coverage. It requires cost-sharing for some doctor visits and has a smaller premium.

    Plan C - This plan covers everything that Plan F covers except for the Medicare Part B deductible. It is a good option for those who want comprehensive coverage without the higher premium.

    Plan D - This plan covers most of the same benefits as Plan C, but also includes coverage for some out-of-pocket costs for skilled nursing facilities.

It's important to note that Plan F and Plan C are no longer available to Medicare beneficiaries, as of January 1, 2020.

What is the difference between medicare advantage plan and medicare supplemental plan?

Medicare Advantage plans and Medicare Supplement plans (also known as Medigap plans) are both options to supplement traditional Medicare coverage, but they differ in several key ways.

Medicare Advantage plans are offered by private insurance companies and provide all-in-one coverage that combines Parts A, B, and usually Part D (prescription drug coverage) into one plan. They may also offer additional benefits like dental, vision, and hearing coverage. Advantage plans often have lower premiums than Medigap plans, but require cost-sharing such as copays and deductibles.

Medicare Supplement plans, on the other hand, are designed to work alongside traditional Medicare and cover costs like deductibles, coinsurance, and copays. They do not include prescription drug coverage, so beneficiaries must purchase a separate Part D plan. Medigap plans offer more comprehensive coverage but generally come with higher premiums than Advantage plans.

What are the benefits of Medicare Supplement insurance?

Medicare Supplement insurance, also known as Medigap, is a type of private insurance that can help cover some of the out-of-pocket costs associated with Original Medicare (Parts A and B). Here are some of the potential benefits of having a Medicare Supplement plan:

Lower out-of-pocket costs: Medicare Supplement plans can help cover some or all of the deductibles, copayments, and coinsurance that you would otherwise have to pay under Original Medicare. This can help reduce your overall healthcare expenses and provide greater financial predictability.

More flexibility in choosing providers: With Original Medicare, you can see any healthcare provider that accepts Medicare. However, some providers may charge more than what Medicare covers, which can result in higher out-of-pocket costs. With a Medicare Supplement plan, you may have more options for seeing healthcare providers without having to worry about extra costs.

Guaranteed renewable coverage: As long as you pay your premiums, your Medicare Supplement coverage is guaranteed renewable, regardless of any changes to your health status or age.

Travel coverage: Some Medicare Supplement plans may offer coverage for emergency healthcare services when traveling outside of the United States.

It's important to note that Medicare Supplement plans are not the same as Medicare Advantage plans, which are offered by private insurance companies as an alternative to Original Medicare. Medicare Advantage plans may offer additional benefits such as prescription drug coverage, but may also have different rules and restrictions than Original Medicare.

Can I get Medicare supplemental plan anytime?

No, you can't get a Medicare Supplement plan anytime. There are specific enrollment periods during which you can enroll in a Medicare Supplement plan without being subject to medical underwriting or denied coverage based on pre-existing conditions.

The best time to enroll in a Medicare Supplement plan is during the Medigap Open Enrollment Period, which is a 6-month period that begins the month you turn 65 and are enrolled in Medicare Part B. During this period, you have a guaranteed right to buy any Medigap policy sold in your state, regardless of your health status. You won't be subject to medical underwriting, which means that you won't be denied coverage or charged higher premiums based on pre-existing conditions.

If you miss the Medigap Open Enrollment Period, you may still be able to enroll in a Medicare Supplement plan, but you may be subject to medical underwriting. Insurance companies can consider your health status when deciding whether to sell you a policy and how much to charge you for it.

There are some exceptions to the enrollment rules, such as if you move out of your current plan's service area or if your current plan is discontinued. In these cases, you may be able to enroll in a new Medicare Supplement plan without being subject to medical underwriting.

Does Medicare cover dental?

Medicare generally does not cover routine dental care such as cleanings, fillings, extractions, dentures, or other dental procedures. Original Medicare (Part A and Part B) only covers dental services that are deemed medically necessary, such as dental services that are required in preparation for a covered medical procedure, or treatment for a medical condition affecting the jaw or other parts of the face.

However, some Medicare Advantage plans (Part C) may offer dental coverage as an additional benefit. These plans are offered by private insurance companies and can provide more comprehensive coverage than Original Medicare, including coverage for dental, vision, and hearing services.

If you have Original Medicare and need dental care, you may need to pay for it out of pocket or consider purchasing a separate dental insurance policy. Some Medicare Supplement (Medigap) plans may also offer limited coverage for dental services, such as oral exams or cleanings, but this can vary depending on the plan and state.

Which health insurance policy is best for family?

The best health insurance policy for a family depends on various factors such as the family's medical needs, budget, and lifestyle. One option to consider is a family health insurance plan that covers all family members under a single policy. These plans typically offer a range of benefits like doctor visits, hospitalization, prescription drugs, and preventive care.

Another option is a Medicare supplemental plan, also known as Medigap, which covers the out-of-pocket costs that are not covered by Original Medicare. Medigap plans are a good option for families with seniors over the age of 65, as they can provide additional coverage for medical expenses like deductibles, coinsurance, and copayments.

For families with children, it is important to consider coverage for pediatric care, immunizations, and dental and vision care. Many family health insurance plans include these benefits, but it's essential to check what is included in each plan before selecting one.

It is always recommended to compare different health insurance policies, benefits, and costs before making a decision. Working with a licensed insurance agent or broker can also help in finding the right policy for a family's unique needs.

What are the benefits of having an individual health policy?

Having an individual health insurance policy can provide several benefits, including:

1. Coverage for medical expenses: An individual health insurance policy can cover medical expenses like doctor visits, hospitalization, prescription drugs, and other medical services.

2. Financial protection: Health insurance can protect individuals from unexpected medical bills that can be financially crippling.

3. Preventive care: Many health insurance policies cover preventive care services, like regular check-ups and immunizations, which can help individuals maintain their health and prevent serious medical conditions.

4. Access to healthcare: Health insurance can provide access to a network of healthcare providers, making it easier to get the care individuals need when they need it.

5. Peace of mind: Health insurance can provide peace of mind for individuals, knowing that they are covered in case of a medical emergency.

For individuals over the age of 65, Medicare is a government-run health insurance program that provides coverage for medical expenses, including hospitalization, doctor visits, and prescription drugs. It can provide similar benefits as individual health insurance policies, but it is only available to those who meet specific eligibility criteria.

What is an individual health insurance policy?

An individual health insurance policy is a type of insurance coverage that is purchased by an individual to provide protection and financial assistance for their personal healthcare needs. Unlike group health insurance plans offered through employers or organizations, individual policies are obtained directly from insurance providers. These policies offer coverage for medical expenses such as hospitalization, doctor visits, prescription medications, and preventive care. Individual health insurance policies can be customized based on the needs and budget of the individual, allowing them to choose the level of coverage, deductibles, and premiums that suit their specific requirements. It provides individuals with the flexibility and autonomy to manage their own healthcare needs outside of employer-sponsored plans.

What is travel health insurance and why is it important?

Travel health insurance is a type of insurance coverage designed to protect individuals while traveling abroad. It provides financial assistance and medical coverage for unexpected medical expenses, emergency medical treatments, and evacuation or repatriation in case of a medical emergency. This insurance typically covers expenses such as hospitalization, doctor visits, medication, and emergency transportation.

Travel health insurance is important because it offers peace of mind and protection against unforeseen medical situations that can occur while traveling. It helps mitigate the financial burden of expensive medical treatments in foreign countries, where healthcare costs may be significantly higher than what one is accustomed to. Additionally, travel health insurance often includes assistance services such as access to a 24/7 helpline for medical advice and support, language interpretation, and coordination with local healthcare providers. Having travel health insurance ensures that travelers can receive appropriate medical care without worrying about the financial implications, allowing them to focus on their well-being and enjoy their trip.

How do I file a claim under an individual health policy?

To file a claim under an individual health policy, follow these general steps:

1. Obtain necessary documents: Collect all relevant documents, such as your health insurance policy details, medical bills, prescriptions, and receipts.

2. Understand coverage: Review your policy to understand the specific coverage, deductibles, copayments, and any other conditions related to filing a claim.

3. Notify the insurance company: Contact your insurance provider to notify them about your intent to file a claim. They will guide you on the specific procedures and forms required.

4. Complete claim form: Fill out the claim form provided by your insurance company accurately and thoroughly. Include essential details such as your personal information, policy number, treating physician's information, and details of the medical services received.

5. Attach supporting documents: Attach copies of the relevant medical bills, receipts, prescriptions, and any other supporting documents requested by your insurer. Ensure all documents are legible and include all necessary details.

6. Submit the claim: Submit the completed claim form and supporting documents to your insurance company within the specified time frame. Keep copies for your records.

7. Follow up: Stay in touch with your insurance company to track the progress of your claim. If any additional information or documentation is required, provide it promptly.

Remember, the exact claim process may vary depending on your insurance provider and policy terms. It's essential to review your policy documents or contact your insurance company directly for detailed instructions specific to your individual health policy.

Why do I need travel health insurance?

Travel health insurance is crucial for several reasons, and opting for the best travel health insurance can provide essential coverage and peace of mind. Here's why you need it:

1. Medical Emergencies: Travel health insurance offers financial protection in case of unexpected medical emergencies while traveling. It covers expenses such as hospitalizations, doctor visits, surgeries, and medications, minimizing out-of-pocket costs.

2. Evacuation and Repatriation: In the event of a severe illness or injury, travel health insurance can cover emergency medical evacuation to the nearest suitable medical facility or even repatriation to your home country if necessary.

3. Trip Cancellations/Interruptions: The best travel health insurance policies also include coverage for trip cancellations or interruptions due to unforeseen events like illness, accidents, or natural disasters, ensuring reimbursement for prepaid expenses.

4. Lost Luggage or Delayed Flights: Travel health insurance often provides coverage for lost, stolen, or delayed baggage, as well as compensation for additional expenses incurred due to flight delays or cancellations.

5. 24/7 Assistance: Many travel health insurance plans offer 24/7 assistance services, including access to multilingual support, medical advice, and help with locating suitable medical facilities in unfamiliar destinations.

By having the best travel health insurance, you can safeguard yourself from substantial financial burdens that may arise from unforeseen circumstances during your trip. It ensures you receive necessary medical care and assistance, allowing you to focus on enjoying your travels with greater peace of mind.

Where to buy travel insurance for international?

There are several options for purchasing travel insurance for international trips. Here are some common avenues:

Insurance Companies: Many insurance companies offer travel insurance specifically tailored for international travel. You can visit their websites or contact their customer service to explore available plans and purchase coverage. Examples include Allianz Global Assistance, Travel Guard, and World Nomads.

Online Travel Insurance Aggregators: Online platforms allow you to compare and purchase travel insurance plans from multiple insurance providers. These aggregators offer a convenient way to compare coverage options, prices, and reviews in one place.

Travel Agencies and Tour Operators: If you're booking your trip through a travel agency or tour operator, they often provide the option to purchase travel insurance as part of your booking. They can assist you in selecting a suitable policy based on your travel needs.

Credit Card Providers: Some credit card companies offer travel insurance as a benefit for cardholders. Check with your credit card provider to see if you have any travel insurance coverage or if you can purchase additional coverage.

When buying travel insurance, carefully review the coverage, policy limits, exclusions, and terms and conditions to ensure it meets your specific needs and provides adequate protection for your international travel.

What are some strategies for finding the most affordable health insurance plans?

Securing affordable health insurance involves several strategies. Begin by assessing your needs and budget, then explore government marketplaces, employer offerings, and private insurers. Compare plan options, considering premiums, deductibles, and coverage limits. Utilize online tools and insurance brokers to navigate choices. Evaluate subsidies or tax credits for which you qualify. Opt for high-deductible plans if you're healthy and can manage initial costs. Prioritize preventive care to minimize long-term expenses. Regularly review and adjust your plan as circumstances change. By diligent research and thoughtful selection, you can find an affordable health insurance plan tailored to your requirements.

Where to buy insurance for international travel?

Where to buy insurance for international travel depends on preferences. Options include travel agencies, insurance brokers, online comparison sites, and directly from insurance companies. Researching policies, coverage, and reviews helps make an informed choice for comprehensive protection during your trip.

What factors determine the affordability of health insurance plans for individuals and families?

The affordability of health insurance plans for individuals and families is influenced by various factors:

1. Premium Costs: The monthly premium is a primary factor. Lower premiums typically make a plan more affordable, but they often come with higher deductibles and out-of-pocket costs.

2. Deductibles and Co-Payments: Higher deductibles and co-payments can reduce monthly premiums but may result in higher expenses when you receive medical care.

3. Coverage Level: The comprehensiveness of coverage affects costs. Plans with more comprehensive coverage, including prescription drugs, maternity, and mental health services, often have higher premiums.

4. Subsidies: Government subsidies can significantly reduce premium costs for those with low to moderate incomes, making affordable health insurance more accessible.

5. Provider Networks: Plans that limit the choice of healthcare providers can be more affordable but may require you to use a specific network.

6. Age and Health Status: Older individuals and those with pre-existing conditions may face higher premiums.

7. Location: Health insurance costs can vary by state, with some areas having higher healthcare expenses.

8. Employer-Sponsored Plans: Employer contributions to premiums can make health insurance more affordable for employees.

9. Government Programs: Eligibility for programs like Medicaid and the Children's Health Insurance Program (CHIP) can provide free or low-cost coverage for those who qualify.

10. Personal Preferences: Individual and family preferences for specific benefits and healthcare providers can impact affordability based on the chosen plan.

11. Healthcare Needs: Anticipated medical needs and expected usage of the plan influence affordability.

Affordable health insurance plans depends on individual and family circumstances, including income, healthcare needs, and preferences, as well as external factors such as government assistance and market dynamics.

Can you explain the different types of life insurance policies you offer to clients and the key distinctions between them?

As a Life Insurance Agent, I offer various policies like term life, whole life, and universal life insurance. Term life provides coverage for a specific duration at lower premiums. Whole life offers lifelong coverage with a cash value component, while universal life provides flexibility in premiums and coverage. Key distinctions lie in duration, cost, and cash value growth. Understanding individual needs helps tailor the right policy, ensuring adequate coverage and meeting financial goals over time.

How do I choose a reputable life insurance agent?

Choosing a reputable life insurance agent involves several key steps:

1. Research and Referrals: Seek recommendations from friends, family, or colleagues who've had positive experiences. Research online reviews and professional affiliations.

2. Credentials and Licensing: Ensure the agent is licensed in your state and affiliated with reputable organizations. Look for designations like CLU (Chartered Life Underwriter) or ChFC (Chartered Financial Consultant) that demonstrate expertise.

3. Transparency and Communication: A trustworthy agent communicates clearly, explaining policy details, benefits, and any limitations. They'll answer your questions honestly without pressure to buy.

4. Experience and Expertise: Experience matters. Look for agents who specialize in life insurance and have a track record of helping clients with diverse needs.

5. Product Range and Customization: A good agent offers a variety of policies and customizes options to fit your specific needs and budget.

6. Ethical Practices: Verify their ethical standards. Ensure they prioritize your interests over commissions by recommending policies that genuinely suit your situation.

7. Follow-Up Service: A reliable agent provides ongoing support, assisting with policy reviews, updates, and claims efficiently.

Interview potential agents, ask detailed questions, and trust your instincts to find someone reliable who prioritizes your financial security over making a sale.

What is Student Health Insurance?

Student Health Insurance plans are specialized health insurance policies designed to provide coverage for the healthcare needs of students. These plans are often tailored to meet the unique requirements and circumstances of students pursuing education, whether at the college, university, or other educational institutions. Here are key features and aspects of Student Health Insurance plans:

1. Affordability: Student health insurance plans are typically priced to be more affordable for students, recognizing their financial constraints.

2. Comprehensive Coverage: They offer comprehensive coverage for a range of healthcare services, including doctor visits, hospitalization, prescription medications, preventive care, and sometimes mental health services.

3. Network of Providers: Many student health insurance plans come with a network of healthcare providers, ensuring that students have access to medical services within a specified network. Going to in-network providers may result in lower out-of-pocket costs.

4. Coverage for Preventive Care: These plans often include coverage for preventive care services, encouraging students to prioritize their health through routine check-ups and screenings.

5. Emergency Medical Coverage: In the event of emergencies, student health insurance plans typically cover emergency medical services, including ambulance rides and hospitalization.

6. Mental Health Support: Recognizing the importance of mental health, some plans offer coverage for counseling and mental health services.

7. Travel Coverage: Some plans provide coverage for medical expenses incurred while students are traveling, whether domestically or internationally.

8. Prescription Medication Coverage: Student health insurance plans often include coverage for prescription medications, making necessary medications more affordable for students.

9. Specialized Services: Depending on the plan, coverage may extend to specialized services such as maternity care, physical therapy, or specialist consultations.

10. Compliance with University Requirements: Some educational institutions may require students to have health insurance coverage, and student health insurance plans help students meet these requirements.

11. Continuation of Coverage After Graduation: Some plans allow for the continuation of coverage after graduation, providing a transition period as students enter the workforce.

It's important for students to carefully review the terms and conditions of the specific student health insurance plan they choose to ensure that it aligns with their healthcare needs and the requirements of their educational institution.

What specific medical services are covered by the student health insurance plan?

Student health insurance plans typically cover a range of essential medical services tailored to the needs of students. These often include preventive care, such as annual check-ups, vaccinations, and screenings for conditions like STIs or cancer. Emergency medical care, including visits to the emergency room and urgent care centers, is usually covered to address sudden illnesses or injuries. Coverage for hospitalization expenses, including room and board, surgeries, and other necessary treatments, ensures students have access to comprehensive care during serious medical events. Additionally, prescription drug coverage helps offset the cost of medications prescribed by healthcare providers for various conditions. Mental health services, such as counseling and therapy sessions, are commonly included to support students' emotional well-being. Reproductive health services, specialist visits, and diagnostic procedures like X-rays or blood tests may also be covered, providing students with comprehensive healthcare coverage for a wide range of medical needs.

Can a student apply for health insurance?

Yes, students can apply for health insurance through various channels. One common option is enrolling in Student Health Insurance Plans offered by educational institutions. These plans are specifically designed to meet the healthcare needs of students, often providing coverage for basic medical services, prescriptions, and sometimes mental health care. Students can typically access these plans through their university or college's health services office.

Additionally, students may explore other avenues for obtaining health insurance, such as through the Affordable Care Act (ACA) marketplace. Depending on their income, students may qualify for subsidies to help offset the cost of premiums. They can apply for coverage through the healthcare.gov website or by contacting the marketplace directly. Moreover, students under the age of 26 may be eligible to remain on their parents' health insurance plans, as permitted by the ACA. This option can provide comprehensive coverage and financial support for students' healthcare needs.

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Reviews - 58

Gary was referred to me to assist a family member signing up for Medicare. He was a big help and made the process smooth and easy. He patiently explained the different options available. We chose the plan that worked for us. He then followed up to make sure everything was in place. I would highly recommend Gary.

Kent Bowles

20 March 2024

Gary is awesome. We spend a greater portion of my office visit discussing life. This dude is kind. Trust in him to be on your side.

Steve Shanawany

13 March 2024

Gary made our insurance enrollment process effortless. Their expertise was evident as they guided us through our options, ensuring we understood every detail. Responsive and attentive, Gary answered our questions promptly and thoroughly, providing personalized advice that matched our needs perfectly. We're extremely satisfied with the coverage we received and highly recommend Gary for anyone seeking hassle-free insurance assistance. Great experience from start to finish!

Javier Alvarez Barragan

07 February 2024

Gary was very professional, friendly, and insightful when I had questions. Highly recommend!

Erika S

07 February 2024

I came in with little to no knowledge of the world that is health insurance and I left Gary’s office with full confidence. He was compassionate and patient when trying to find the right fit for me. Super grateful to have found someone that cares about people’s health and knowledge as much as Gary. Definitely give him a shot, you won’t regret it !

Valeria Echeverria

17 January 2024

I had an excellent set of interactions this morning with Gary from Bay Area Health Insurance. He was exceptionally knowledgeable and a pleasure to work with. I'm inexperienced in California and US health care and Gary took me through the situation step by step making sure I understood the process. He sorted out an excellent and inexpensive solution for my family that keeps us all safe. I give Gary and Bay Area Health Insurance my strongest recommendation.

Louis Adriaenssens

26 September 2023

Gary was a very knowledgeable gentleman who had helped our son acquire health insurance. As parents, we live out of state and felt completely comfortable with Gary! We highly recommend him!

Bill Martin

07 September 2023

Gary was incredibly helpful and answered all my questions promptly. Even when I chose to stay on COBRA and didn't initially use a policy through him, he reached back out when my eligibility changed and he was able to help me find the right policy for me. I couldn't have navigated the process nearly as quickly or as efficiently without his help.

Elena Arida

01 September 2023

Gary was referred to my by a friend and he didn't disappoint. He provided knowledgeable assistance with Covered California subsidy eligibility which was my main purpose in reaching out to him. Plus he thoroughly explained and communicated supplemental insurance options which I'll consider heading into my 60's. I highly recommend Gary!

Susie Simonpietri

01 September 2023

I had an informative meeting with Gary Church this afternoon. He was pleasant, helpful, and knowledgeable. I will contact him again when I am researching supplemental insurance once I qualify for Med-i-care.

Brenda Elwood

18 August 2023

Gary Church did an outstanding job helping us navigate all of the health, dental and vision plans to determine what best fit our unique needs after our Cobra plan ended. I would highly recommend him for any health insurance related needs.

Dave Klingler

11 August 2023

I reached out to Gary for medical insurance needs of a family member. I found Gary to be very knowledgeable, professional and patient person. I had to meet him few times and he was very patient in explaining me the options. Extremely happy with his service and will certainly go to him for any future needs.

Ajay Singhani

31 July 2023

Just moved to the Bay Area and once again found myself having to navigate the health insurance realm. I found Gary Church via Google Search and he was not only quick to respond to my inquiry, but efficient and knowledgeable when it came to finding the right insurance and explaining the differences between the options. He made the whole process easy and it took a lot less time than if I had attempted this on my own. Much appreciated!

Max W.

31 July 2023

I would like to share my experience of having an unbelievably simple, comfortable, and very beneficial appointment with Mr. Gary Church, the Bay Area Health Insurance agent, who provided me with very accurate and descriptive information regarding the different insurance plans. Discussing my situation/circumstances with Mr. Gary Church I realized how much he cares about his clients; so I felt a huge relief. I would highly recommend Mr. Gary Church the Bay Area Health Insurance agent, the professional with many years of experience in this field. Knowledgeable, caring, and kindly motivated to help people in need. Thank you Mr. Church, you just made my day!

yas yas

27 June 2023

I would like to share my experience of having an unbelievably simple, comfortable, and very beneficial appointment with Mr. Gary Church, the Bay Area Health Insurance agent, who provided me with very accurate and descriptive information regarding the different insurance plans. Discussing my situation/circumstances with Mr. Gary Church I realized how much he cares about his clients; so I felt a huge relief. I would highly recommend Mr. Gary Church the Bay Area Health Insurance agent, the professional with many years of experience in this field. Knowledgeable, caring, and kindly motivated to help people in need. Thank you Mr. Church, you just made my day!

Maia Kratsashvili

29 May 2023

I was referred to Gary by my previous insurance broker when I started my Medicare research. I feel like I hit the jackpot when I found Gary. He made the whole Medicare application process so easy to navigate, and he was patient and generous with his time, explaining the process and addressing my many questions. He explained that his support is ongoing, and I am already finding that I’m having a few follow-up questions, and Gary is always quick and friendly with his responses. I’d give him my highest recommendation.

Karla Scholfield

19 May 2023

I consulted Gary in Bay Area Health Insurance for my parent's medical health insurance. I couldn't be happier with his service. He was very professional, patient, and knowledgeable. He took the time to explain all of our options and his responses were extremely easy to understand. I highly recommend working with Gary for health insurance needs; He truly cares about helping find the best coverage.

Umesh Batra

08 May 2023

Gary Church is a phenomenal person and will be our insurance partner going forward. He made a difficult and confusing transition easy to understand, and painless to execute. Highly recommended!

Edmund Johnson

19 April 2023

Gary is a delight to work with, very knowledgable and an expert in helping select the right coverage. I'm very pleased with his work and would gladly call on him again.

Lee Baxter

07 March 2023

Great service and very clear information! I totally recommend this service, it helped me a lot!

Marina Alvarado

07 March 2023

Great service and very clear information! I totally recommend this service, it helped me a lot!

Neppolian prem

17 February 2023

My mom was having difficulty understanding all the options for Covered California and how to enroll via online, so I searched for licensed agent in person to possibly help my mom with her future health insurance options. I initially called Gary to help troubleshoot an issue my mom had with another agent who enrolled my mom in a possible scam plan. Gary was able to explain to me how Covered California worked, etc and the possible right path for my mom now and in the future. After explaining what he does and why he does it, this assured me that Gary was the right person to go to, so immediately set up an in person appointment for my mom and I to meet with him. My dad is retiring soon and my mom is on his insurance, so she was looking for other options. In addition, she would be eligible for Medicare in a few months. Gary was very informative and emphasized what would be best options for my mom healthcare wise now and also in the future. He truly cared, explained everything detail and did not try to sway us away from what worked best for my mom. Overall, Gary is very genuine, passionate and knowledgeable in helping others with healthcare decisions, etc. We plan to see Gary again when my mom (and my dad!) is ready to change her benefits soon.

Jeane Tano

10 February 2023

I hit the jackpot when I found Gary online! I needed help with finding a Medicare drug plan. It was a busy time of year for him, but he made me feel like I was a VIP client, even though the only thing I needed was the least expensive Medicare plan. He was very friendly, helpful, and knowledgeable each time I talked to him. Getting someone on the phone that has all these qualities, who actually wants to spend the time to give you the best service possible, is a rare thing these days! Thanks so much, Gary!

Martha Foster

23 January 2023

So touched with excellent guidance. Thank you for being kind and professional.

Khishigjargal Jamiyansuren

23 January 2023

Gary is the most helpful insurance agent I have ever dealt with. He is very knowledgeable, honest and up front with everything. Would highly recommend him.

Wang yulia (Nieves)

14 December 2022

Gary Church was super helpful and thoroughly explained about all the options of insurance. Price quotes were sent back me within minutes. Highly recommended.

Joe Chan

24 November 2022

Working with Gary has been such an honored privilege. He is genuinely a man who walks the talk! This gentleman is an honest, kind, most intelligent, knowledgeable and well-informed, efficient agent who enjoys doing his work, always in the best interest of his clients. Gary takes all the time necessary to help one find the best, affordable coverage possible and makes himself readily available, responding with expediency to any email, phone message or request. One is assured of having intelligently made the optimum selection for insurance coverage. A sincere pleasure it is to count Gary among my most respected and admired friends as well!

Irma Silvas

17 November 2022

5 Stars! Bay Area Health Insurance was recommended to me by a different insurance company that did not handle health care. I was helped by Gary and he communicated really well; he was very patient as I had no clue what to do and he went beyond my expectations to make sure my son and I was getting the right coverage. I am a happy customer. Highly recommend them.

Milene Freire

03 November 2022

Gary was very helpful and kind! Navigating insurance is daunting and he helped me understand my options and fill out the appropriate forms.

Neva Hauser

28 October 2022

Gary was great to work with. He explained everything in simple terms and made the process painless. Excellent follow up and follow through!

Ryan Snyder

27 October 2022

I am very glad I found Gary to help with my health insurance needs. He is very professional, has full and detailed knowledge of all the insurance polices he is managing. He is not pushing to sell any policy, rather, he is giving all me all the options, pros and cons. He is very understanding. I highly recommend him to all my friends and all who is seeking help for insurance.

Jenny Liu

16 September 2022

I had a great experience working with Gary in getting the best possible health insurance for my situation. I had talked to Gary several months before my 65th birthday and discussed my needs. He gave me several options and because I was going to require major surgery in the near future, Gary suggested staying with Medicare A and B along with a supplemental policy through AARP. He said this policy would give me the most flexibility and the lowest out of pocket costs. He was absolutely correct. Gary provided me with all of the information and guided me to the best solution for my situation. I am completely happy with my choices and with Gary’s advice. If you will be transitioning to Medicare soon, I would recommend talking to Gary. He made the whole process easy and I got the best plan for my personal situation.

Rick Tomihiro

07 September 2022

Gary helped a great deal to understand the options available for health insurance in my response to a call to Covered California certified enrollment agent assistance. He has been in the business a very long time and it shows. Friendly, professional, on time with Zoom calls, and made timely and appropriate follow up calls. Not pushy as an agent. He knows his stuff, and I recommend him if you are considering health and/or travel insurance.

Greg M

09 August 2022

Gary was very helpful in helping me with my health insurance process. I love how he provided options so that I can better understand and choose the right one. What a great agent and wonderful soul you are. Thanks for being kind all through with me.

marliyatu kamara

09 August 2022

Gary helped walk me through the process of getting health insurance in a new state during a time of transition. I was navigating a confusing, unknown process and he was clear, caring, and a great resource.

Rachel Anderson

09 August 2022

Gary is an honorable man who keenly provides well-informed & thorough answers to health care coverage questions. Gary guides respectfully, patiently and with genuine concern for the person he’s helping, enabling one to make intelligent decisions regarding health insurance options that best meet one’s needs.

Irma Silvas

29 July 2022

Gary Church has helped me out with my health insurance and life insurance needs. He is so knowledgeable and also friendly; he is very accommodating. Gary is always available to answer any questions that come up, and if he happens to not be readily available, he responds very quickly (returning phone call as soon as he can). I am very happy with his service; I would recommend him to anyone looking for insurance/ insurance broker.

Mary Kim

29 July 2022

Gary Church is very knowledgeable and professional in his work my husband and I are pleased with the choice we made.

mary kepic

29 July 2022

He was excellent. He took time to go through all my options. I could not ask for a better experience.

Jim Sloane

29 July 2022

Bay Area Health Solutions helped me get traveler’s insurance after I learned that the policy I purchased with my airline ticket did not cover Covid. Gary was very kind and patient with me and the process was a snap. All I needed to do was navigate the website and select the insurance I wanted from a number of highly rated carriers and purchase. It took ten minutes. I highly recommend Bay Area Health Insurance!

Susan Condon

22 July 2022

Gary is Very experienced and professional Also excersized good amount of patience working with me to get me best coverage available. He provides services that are way above average.

Andrew P

15 July 2022

I have many Small Business owners as clients. I always tell all my clients to call Gary Church for Health Insurance. Gary has many years of experience, and he patiently explains the various options to my Small Business owners. My clients are super happy with Gary’s personalized services. Gary also offers International Health Insurance for people traveling to the United States. I got Visitor's Insurance for my mother who is visiting from India in April 2022. He helped me every step of the way. If you are going to be traveling outside the country, please talk to Gary before you travel, since your health insurance may not cover hospitals in other countries. Gary also offers Student Health Insurance. Never sign up for the University Health Insurance option before you talk to Gary! He can save you a lot of money! If you are an International student, traveling to the United States, please talk to Gary regarding the various options available. He really is super helpful, very friendly, very patient when it comes to Health Insurance!

Indu Jayakumar

15 July 2022

I really appreciate how helpful Gary is for guiding me through the covered California application. Gary is very nice, knowledgeable, friendly and helpful. He is professional in health insurance and working with clients. I will go back to Gary again when I need to make my next decisions for health insurance.

Priscilla Chen

11 July 2022

I would like to thank Gary for giving me excellent service and helping me find the right insurance for me. He was extremely knowledgeable and took his time to explain the different insurances to me, making the process easy and less stressful. I would highly recommend him to anyone looking for insurance broker services. Thank You, Gary!!!

Jamie Sanchez

11 July 2022

I was referred to Gary by my sister. She was pleased with how he took care of her and her insurance needs and I must admit so am I. Looking for insurance is a very stressful situation, however, Gary steps you through the entire process holding your hand every step of the way. He made me feel comfortable with my decisions because he gave me background information on every available option. So if you’re looking for an insurance professional Gary is the one.

Gloria Webb-Williams

11 July 2022

We have just started the process of signing up for Medicare. Gary has been patient and informative. He takes the time to explain the process in detail without pushing unnecessary products on us. Gary is pleasant to work with.

Kathy Mlinarich

04 July 2022

Gary is extremely helpful. He is always available to answer questions or solve problems. I highly recommend his service.

Jerry Hall

24 June 2022

Gary is an excellent communicator. He clearly explains your options and what he suggests. If you need help with health insurance, I recommend it.

David Nguyen

17 June 2022

Thank you Gary you are an excellent, knowledgeable health insurance broker. Gary was involved in every step of the process and he works for our needs. I would highly recommend Gary to my friends and family. Great job Gary I wish you well so you could continue helping people like me to have an affordable health insurance coverage.

Lisa Reynolds

31 May 2022

"Thank you Mr. Gary church from the bottom of my heart. Sincerely, it has been an honor to meet you first of all and also be able to do business with you being in financial line of work myself and dealing with numbers all day long for many years, and observing all day other financial and insurance professionals it feels like sometimes humanity gets lost in numbers when I am proud to say not with you not only you are super knowledgeable when it comes to all kind of products passionate for what you’re doing loving to help people get The most accurate product based on their situation the whole process of doing business with you was an amazing experience of learning understanding being comfortable and humanity demonstrated I would like to thank you again, and I would be so glad to refer you to the people that I know and I love because I know now whoever does business with you it is really in good hands. Thank you again Gary."

Martha E Espinosa

20 December 2021

Great personal attention. Gary personalizes options, not just a one size fits all..

Rob VanSteen

20 December 2021

I had a great experience selecting and renewing CoveredCA health insurance. Gary was very thoughtful and committed to ensure I understood all the options and costs. He lives up to his goal to truly help his clients. Thank you, Gary!

Nichole Edraos

20 December 2021

When I signed up for Medicare, I was not given a good understanding of the different Plans, A, B, F, etc. I was not getting the full benefits. Gary Church explained many issues and resolved the issues I had. Gary also signed my husband on Medicare benefits and saved us both much time. If you want a good Medicare expert, please contact this business. You will be glad you did.

Jacqueline Domnitz

20 December 2021

We met with Gary Church this morning, and he was very professional. He answered all of our questions, is a good listener, and gave us all the time we needed to get the information we requested. He is a 5 star agent.

Thalia Welch

22 September 2021

I would like to thank Gary for giving me excellent service in a timely, compassionate manner. He was knowledgeable about offered valuable suggestions. I would highly recommend him to anyone looking for insurance broker services. Thank You, Gary.

Anonymous Anonymous | Anonymous

22 December 2020

Very happy with their guidance in helping me choose a family plan that was within my budget while satisfying all my requirements.

Robin Williams | owner

01 December 2020

Their expert services helped me choose the right health insurance. They are well-informed and answer all queries patiently

Emily Emma

02 July 2020

Gary is awesome. I think he was pretty straight forward, kind, and very eloquent in articulating his answers to the questions I had. He was not standoffish and actually concerned about getting me health, dental and vision insurance. I was referred to Gary by my boyfriend and I’ve already passed his name along to friends and family that I know.

Rojales K

05 June 2020

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