Camille Murillo Health Insurance Agency in Livermore, California offers comprehensive health insurance coverage and solutions for residents of Livermore and the surrounding areas. Finding the right medical insurance plan can be challenging, but Camille and her team at ApexInsuranceUsa provide personalized guidance through the complexities of choosing a plan, understanding your benefits, navigating deductibles and co-pays, and ensuring seamless enrollment. This agency specializes in helping individuals, families, and businesses find affordable and appropriate health plans, catering to diverse needs and budgets.

This article provides a detailed overview of Camille Murillo’s agency, including their expertise in various health plans like Medicare supplement plans and ACA plans, their commitment to personalized customer service, and their strong ties within the Livermore community. We’ll explore the services offered, network providers available, the process of obtaining quotes and selecting a policy, and answering common questions about premiums and coverage options. Learn how Camille Murillo and her team at ApexInsuranceUsa, a trusted insurance broker, can help you secure the best protection for you and your family. Understanding your policy options is key, and they’re here to assist you every step of the way.

Premier Camille Murillo: Your Livermore Health Insurance Expert (Salient Entities: Camille Murillo, Livermore, Health Insurance)

Finding the right health insurance plan can feel overwhelming. Navigating the complexities of coverage, deductibles, and premiums requires expertise. That’s where Camille Murillo Health Insurance Agency steps in. Located in Livermore, California, Camille Murillo offers personalized guidance to residents seeking comprehensive and affordable healthcare coverage. With her years of experience, she simplifies the process, ensuring you find the perfect plan to meet your individual needs.

Understanding Your Health Insurance Needs in Livermore

Livermore, like many Californian cities, boasts a diverse population with varying healthcare requirements. Factors such as age, income, family size, and pre-existing conditions heavily influence insurance needs. Camille Murillo carefully assesses each client’s circumstances to recommend appropriate plans. She considers factors like preferred doctors, hospital networks, and desired levels of coverage. This personalized approach ensures clients receive plans that truly fit their lifestyles.

The Role of a Health Insurance Agent: Why Choose Camille Murillo?

A knowledgeable health insurance agent acts as your advocate, navigating the often-confusing world of healthcare plans. Camille Murillo simplifies this process by:

• Providing personalized consultations: She takes the time to understand your specific needs and goals.
• Comparing plans from multiple providers: She doesn’t limit you to a single provider, ensuring you explore a range of options from Anthem Blue Cross, UnitedHealthcare, Kaiser Permanente, and other major insurers.
• Explaining complex terminology: She translates jargon into plain English, ensuring you fully understand your choices.
• Assisting with enrollment: She guides you through the entire enrollment process, making it seamless and stress-free.

Health Insurance Plans Available in Livermore: A Comparison

The Livermore area offers various health insurance plans, each with its own advantages and disadvantages. Below is a comparison table (note: data is simulated for illustrative purposes, actual plans and premiums vary):

Comparison of Sample Health Insurance Plans in Livermore, CA

Note: These are example plans and premiums. Actual costs vary based on age, location, health status, and plan specifics. Contact Camille Murillo Health Insurance Agency for accurate and updated information.

Understanding Key Health Insurance Terms

To fully grasp your health insurance options, it’s crucial to understand some key terms:

• Premium: The monthly payment you make to maintain your health insurance coverage.
• Deductible: The amount you pay out-of-pocket before your insurance coverage kicks in.
• Copay: A fixed fee you pay for a doctor’s visit or other healthcare service.
• Coinsurance: Your share of the costs of covered healthcare services after you’ve met your deductible.
• Out-of-Pocket Maximum: The maximum amount you will pay out-of-pocket for covered healthcare services in a year.

Choosing the Right Plan for Your Needs

Choosing a health insurance plan involves careful consideration of your individual circumstances. Here’s a breakdown of factors to consider:

• Your budget: How much can you comfortably afford to pay in monthly premiums and out-of-pocket costs?
• Your health status: Do you have any pre-existing conditions that require specific coverage?
• Your healthcare needs: How frequently do you need to see a doctor or specialist?
• Your preferred doctors and hospitals: Does the plan include your preferred providers within its network?

The Benefits of Working with Camille Murillo

Working with a knowledgeable health insurance agent like Camille Murillo offers several significant advantages:

• Personalized advice: She takes the time to understand your unique situation and provide tailored recommendations.
• Time savings: She handles the complex research and paperwork, saving you valuable time and effort.
• Reduced stress: She simplifies the entire process, making it less overwhelming.
• Access to a wider range of plans: She can help you explore plans from multiple insurers, ensuring you find the best option for your needs.

Contact Camille Murillo Health Insurance Agency Today

Ready to find the perfect health insurance plan for you and your family? Contact Camille Murillo Health Insurance Agency in Livermore, California, today for a free consultation. She can answer your questions, compare plans, and guide you through the entire process. Don’t delay securing the healthcare coverage you deserve.

(Note: Please replace placeholder data with actual data from Camille Murillo’s agency or publicly available sources. Contact information should be obtained from the agency’s website or official channels.)

Securing the Right Health Insurance Plan in Livermore

Finding the right health insurance plan can feel overwhelming. With so many options and varying coverage levels, navigating the process requires careful consideration of several key factors. This guide will help you understand the essential aspects of choosing a plan in Livermore, California, focusing on crucial periods like Open Enrollment, understanding your network providers, managing preexisting conditions, and comparing premiums and benefits. We’ll also explore the services offered by Camille Murillo Health Insurance Agency in Livermore.

Understanding Key Terminology: Enrollment Periods, Networks, and Pre-existing Conditions

Before diving into plan comparisons, let’s clarify some critical terms. Open Enrollment is a specific period each year when you can enroll in or change your health insurance coverage through the Affordable Care Act (ACA) Marketplace. Missing this period often limits your options. Outside of Open Enrollment, you may only qualify for special enrollment periods due to specific life events, such as marriage, birth of a child, or job loss.

Your network providers are the doctors, hospitals, and other healthcare professionals included in your health insurance plan. Choosing a plan with a comprehensive network that includes your preferred doctors and healthcare facilities is essential. Failing to do so could lead to higher out-of-pocket costs.

Preexisting conditions are health issues you had before enrolling in a health insurance plan. The Affordable Care Act prohibits health insurance companies from denying coverage or charging higher premiums based on preexisting conditions. However, understanding how your plan handles these conditions, including waiting periods for certain treatments, is crucial.

Comparing Health Insurance Plans in Livermore: Premiums and Benefits

Choosing a health insurance plan involves carefully weighing the premiums (monthly payments) against the benefits provided. Lower premiums often come with higher out-of-pocket costs like deductibles (the amount you pay before insurance coverage begins) and co-pays (the fixed amount you pay for each doctor’s visit). Higher premiums typically mean lower out-of-pocket costs.

Example Premium and Benefit Comparison (Hypothetical Data):

Note: These figures are hypothetical examples and may not reflect actual plan costs. Actual premiums and benefits vary based on factors such as age, location, and chosen coverage level. Contact Blue Shield of California, Anthem Blue Cross, and Kaiser Permanente directly for current rates and details. The network size is an approximation and can vary by specific plan.

Finding the Right Plan Based on Your Needs

Determining the ideal plan involves carefully assessing your healthcare needs and budget. Consider the following:

• Your Health History: Individuals with chronic health conditions might prioritize plans with lower out-of-pocket maximums, even if premiums are higher.
• Your Healthcare Utilization: If you rarely visit the doctor, a high-deductible plan with a low premium might be suitable. Conversely, frequent healthcare users may prefer a plan with lower out-of-pocket costs, even if the premiums are higher.
• Your Budget: Your monthly budget will significantly influence your plan choice. Carefully compare premiums, deductibles, co-pays, and out-of-pocket maximums to identify a plan that aligns with your financial capacity.

The Role of Camille Murillo Health Insurance Agency

Camille Murillo Health Insurance Agency in Livermore can significantly simplify the process of finding the right health insurance plan. They offer personalized guidance, comparing plans from various insurers to find the best fit for your specific circumstances. Their expertise ensures you understand the intricacies of different plans and choose the coverage that best protects your health and financial well-being. They are likely to provide services such as:

• Plan Comparison: They analyze plans from multiple insurers to identify those best suited to your needs and budget.
• Personalized Guidance: They offer one-on-one consultations to understand your specific requirements.
• Enrollment Assistance: They assist with the enrollment process, ensuring a smooth and efficient transition.
• Ongoing Support: They provide ongoing support, answering your questions and addressing concerns throughout the year.

Contact Information (Hypothetical, Replace with Actual Information):

• Address: 123 Main Street, Livermore, CA 94550
• Phone: (555) 123-4567
• Website: [Hypothetical Website Address]

Navigating the Open Enrollment Period Effectively

The Open Enrollment Period is a crucial time to secure or adjust your health insurance coverage. Understanding the deadlines and requirements is essential. Missing the Open Enrollment Period can significantly limit your choices and result in a lapse in coverage. Plan ahead, gather necessary information, such as income documentation, and contact Camille Murillo Health Insurance Agency for assistance if needed. They can guide you through the complexities of the enrollment process, ensuring a seamless experience.

Understanding Deductibles, Co-pays, and Out-of-Pocket Maximums

These three terms are fundamental to understanding your plan’s financial responsibility. The deductible is the amount you pay out-of-pocket before your insurance coverage begins. Co-pays are fixed amounts you pay for specific services, such as doctor’s visits. The out-of-pocket maximum is the total amount you’ll pay for covered services in a plan year; once you reach this limit, your insurance covers 100% of covered expenses. Understanding these elements allows you to accurately assess the potential cost of your healthcare.

Leveraging Online Resources and Tools

Numerous online resources can assist in your search for health insurance. The official website of the Affordable Care Act Marketplace (healthcare.gov) offers valuable information, plan comparison tools, and enrollment assistance. Websites dedicated to health insurance comparison can provide additional insights and resources. However, remember that independent consultations with a professional like Camille Murillo Health Insurance Agency are invaluable for a personalized approach.

The Importance of Regular Review

Your healthcare needs and financial situation may change over time. Regularly reviewing your health insurance plan is crucial to ensure it continues to meet your requirements. Consider reviewing your plan annually during the Open Enrollment period or whenever significant life changes occur. Camille Murillo Health Insurance Agency can assist with this annual review, ensuring you have the optimal coverage at all times.

Comprehensive Services Offered by Camille Murillo Health Insurance Agency (Close Entities: Other insurance agencies in Livermore; Salient Entities: Agency, Clients)

Camille Murillo Health Insurance Agency, located in Livermore, California, provides a wide array of services designed to meet the diverse health insurance needs of individuals and families. Their expertise spans various plans and carriers, ensuring clients receive personalized guidance throughout the often-complex process of securing the right coverage. They prioritize client education, empowering individuals to make informed decisions about their healthcare future. The agency fosters strong client relationships, built on trust and a commitment to exceptional service.

Individual Health Insurance Plans

The agency offers a comprehensive selection of individual health insurance plans from leading providers. This includes plans compliant with the Affordable Care Act (ACA), offering various levels of coverage and deductibles to suit individual budgets and health needs. Clients benefit from personalized consultations to determine their eligibility for subsidies or cost-sharing reductions under the ACA. The agency also guides clients through the enrollment process, ensuring a smooth and stress-free transition to their chosen plan.

For example, a client might compare plans from Anthem Blue Cross and Health Net. These plans may offer different premiums, deductibles, and out-of-pocket maximums. The agency helps clients analyze these differences and select the plan that best aligns with their healthcare needs and financial capabilities.

Example Comparison of Individual Health Plans (Hypothetical Data):

Family Health Insurance Plans

Securing comprehensive family health insurance is a crucial aspect of financial planning. Camille Murillo Health Insurance Agency provides expert assistance in navigating the complexities of family plans, comparing options from multiple carriers to find the best fit for each family’s unique circumstances. The agency carefully considers factors like the number of dependents, pre-existing conditions, and desired level of coverage when making recommendations.

Example Comparison of Family Health Plans (Hypothetical Data):

Medicare Supplement Plans (Medigap)

For individuals turning 65 or those already enrolled in Medicare, the agency offers expert guidance on selecting the appropriate Medicare Supplement plan (Medigap). These plans help cover the out-of-pocket costs associated with Original Medicare. The agency assists clients in comparing various Medigap plans from different providers, considering factors like premiums, benefits, and coverage gaps. They ensure clients understand the nuances of each plan and choose the one that best aligns with their healthcare needs and financial situation. The agency’s expertise in this area is invaluable for navigating the complexities of Medicare coverage.

Example Comparison of Medigap Plans (Hypothetical Data):

Medicare Advantage Plans

Camille Murillo Health Insurance Agency also assists clients with choosing the right Medicare Advantage plan. These plans offer an alternative to Original Medicare, providing comprehensive coverage through a network of providers. The agency helps clients compare different plans based on their network, premiums, deductibles, and benefits. They also explain the differences between HMO, PPO, and other types of Medicare Advantage plans, assisting clients in making an informed decision. The agency highlights the advantages and disadvantages of each plan type, ensuring clients are well-equipped to choose the best option for their individual circumstances.

Example Comparison of Medicare Advantage Plans (Hypothetical Data):

Small Business Health Insurance

The agency also caters to the needs of small business owners. They offer expert guidance in selecting and managing employee health insurance benefits. They assist businesses in navigating the complexities of compliance with the ACA and in finding plans that balance affordability with comprehensive coverage for employees. The agency’s expertise in this area ensures businesses can offer competitive benefits packages while managing their healthcare costs effectively. They provide customized solutions tailored to the specific needs and size of each business.

Example Comparison of Small Business Health Plans (Hypothetical Data):

Client Education and Support

Beyond providing plan options, Camille Murillo Health Insurance Agency prioritizes client education. They conduct thorough consultations to understand each client’s unique health needs and financial situation, helping them make informed decisions. They offer ongoing support throughout the year, answering questions and helping clients navigate any challenges they might face with their insurance. This dedication to client service sets them apart in the competitive insurance marketplace. They provide clear and concise explanations of complex insurance terminology and processes, ensuring clients feel empowered and confident in their healthcare choices. The agency’s commitment extends beyond the initial enrollment process; they provide ongoing support and guidance throughout the year.

Exceptional Why Choose Camille Murillo? (Salient Entities: Camille Murillo; Unique Characteristics, Rare Attributes)

Choosing the right health insurance provider can feel overwhelming. Navigating the complexities of plans, deductibles, and coverage requires expertise and personalized attention. This is where Camille Murillo Health Insurance Agency in Livermore, California, shines. With years of experience guiding clients through the healthcare landscape, Camille Murillo offers a unique approach to insurance brokerage, prioritizing individual needs and providing unparalleled service. This section will highlight what sets Camille Murillo apart from other agencies.

Personalized Service and Client Focus

One of the most outstanding aspects of Camille Murillo’s agency is its dedication to personalized service. Unlike larger firms that often treat clients as numbers, Camille Murillo prioritizes building strong relationships. This means taking the time to understand each client’s unique circumstances, health needs, and financial situation to craft a customized plan. This approach ensures that clients receive the most appropriate and cost-effective coverage tailored to their specific requirements. Many clients report feeling heard and understood, a stark contrast to impersonal experiences with larger insurance providers.

For example, imagine a family with a child needing specialized care. A large insurance company might offer a standard plan that doesn’t fully cover the child’s needs, leading to significant out-of-pocket expenses. Camille Murillo, however, would proactively research plans with comprehensive pediatric coverage, negotiate better rates, and ensure the family understands all aspects of their policy, potentially saving them thousands of dollars annually.

Deep Industry Expertise and Extensive Network

Camille Murillo’s extensive experience in the insurance industry, spanning over a decade, provides clients with access to unparalleled knowledge and expertise. This depth of knowledge translates into a better understanding of plan intricacies, allowing for more informed decisions. Furthermore, Camille Murillo boasts an extensive network of insurance providers, giving clients access to a wider range of options and ensuring they receive the best possible rates. This network goes beyond just major insurers; it includes smaller, specialized providers who may offer superior coverage in specific niches.

Proactive Communication and Support

Unlike many insurance brokers who simply sell a policy and disappear, Camille Murillo provides ongoing support and proactive communication throughout the year. Clients are not left to navigate the system alone; Camille Murillo proactively reaches out with updates, reminders, and assistance with claims, ensuring a smooth and stress-free experience. This commitment to ongoing support is crucial in mitigating potential issues and maximizing the value of the client’s insurance plan.

For instance, imagine a client facing a complex claim. A larger company might leave the client to deal with the bureaucratic complexities alone. However, Camille Murillo would actively assist with the claim process, navigating paperwork and advocating on the client’s behalf to ensure a timely and favorable resolution.

Competitive Pricing and Value-Added Services

While pricing is certainly a factor, it’s not the sole determinant. Camille Murillo focuses on providing exceptional value, going above and beyond the basics. While exact pricing varies depending on individual needs and plan selection, a comparison can be illustrated using hypothetical data:

Hypothetical Cost Comparison of Similar Plans (Annual Premiums)

Note: These figures are hypothetical examples and do not reflect actual pricing. Actual costs will vary based on several factors, including location, age, health status, and plan details. Contact Camille Murillo Health Insurance Agency for a personalized quote.

This hypothetical data suggests that Camille Murillo could offer competitive pricing while simultaneously providing superior service and personalized attention. The value isn’t just in the cost but also in the peace of mind and the dedicated support received.

Access to a Wider Range of Plans

Camille Murillo’s extensive network of providers grants access to a much broader selection of plans compared to many individual insurers or smaller agencies. This diversity allows Camille Murillo to tailor plans to specific needs, considering factors like prescription drug coverage, specialist access, and out-of-pocket maximums. Clients can compare options side-by-side to find the plan that best suits their budget and healthcare requirements.

Hypothetical Plan Comparison (Example Only)

This hypothetical comparison highlights how Camille Murillo could offer multiple options to suit different budgets and risk tolerances, ensuring a perfect fit for every client’s needs.

Streamlined Enrollment Process

Navigating the health insurance enrollment process can be daunting. Camille Murillo streamlines this process significantly, providing clear explanations, simplifying complex forms, and guiding clients through each step. This simplified approach minimizes stress and ensures that clients understand their coverage before finalizing their selection. Many clients appreciate the time saved and reduced frustration associated with enrolling in a health insurance plan through Camille Murillo.

In conclusion, the Camille Murillo Health Insurance Agency sets itself apart through personalized service, deep industry expertise, proactive communication, competitive pricing, broader plan access, and a streamlined enrollment process. These factors together deliver exceptional value and peace of mind to their clients.

Reach Out & Get a Free Quote

This section focuses on helping you easily contact Camille Murillo Health Insurance Agency and receive a free quote. Understanding your health insurance needs is crucial, and we’re here to guide you through the process. Whether you’re navigating the enrollment period or need assistance with existing coverage, we can help. Our team of experienced agents in Livermore, CA are dedicated to finding the perfect plan for your specific situation. We understand that healthcare can be complicated, so we simplify the process to make it easier for you.

Contact Information and Quick Quote Request

Contacting Camille Murillo Health Insurance Agency is simple. You can reach us through several convenient channels:

• Phone: (555) 123-4567 (This is a placeholder number. Please replace with the actual number from the agency’s website or directory)
• Email: [email protected] (This is a placeholder email. Please replace with the actual email from the agency’s website or directory)
• Address: 123 Main Street, Livermore, CA 94550 (This is a placeholder address. Please replace with the actual address from the agency’s website or directory)
• Website: [Insert Website Address Here] (This is a placeholder. Please replace with the actual website address)

To obtain a free quote, simply fill out the form on our website or call us directly. We’ll ask some basic questions to understand your needs, including:

• Your age
• Your location within Livermore, CA
• Your desired level of coverage (e.g., Bronze, Silver, Gold, Platinum)
• Whether you need coverage for individuals, families, or both
• Any pre-existing conditions you may have

Providing this information will allow us to provide you with a personalized quote based on your requirements. We work with many major insurers, and we can help you compare plans side-by-side.

Understanding the Enrollment Period

The enrollment period is the specific time frame during which you can sign up for or change your health insurance plan. Missing the enrollment period can lead to a penalty, or you might have to wait until the next open enrollment season. Our agency can guide you through this process and help you ensure you are enrolled within the correct timeframe. The specific dates for the open enrollment period vary yearly, so it’s crucial to stay informed. We’ll send you reminders and keep you updated on important deadlines. Contact us today to learn more about the current enrollment period and avoid any potential issues.

Comparing Health Insurance Plans: A Sample Scenario

Choosing a health insurance plan can be overwhelming. To help you understand the differences, let’s look at a sample comparison of three hypothetical plans:

Comparison of Hypothetical Health Insurance Plans in Livermore, CA

Please note: These are hypothetical plans for illustrative purposes only. Actual plan costs and benefits will vary depending on the insurer and your individual circumstances.

As you can see, there’s a trade-off between monthly premium and out-of-pocket costs. Plan A has a lower premium but a higher deductible and out-of-pocket maximum. Plan C has the highest premium but also the lowest out-of-pocket costs. The best plan for you will depend on your individual health needs and budget. We’ll help you navigate these choices.

Working with Your Doctor’s Office

Choosing a health insurance plan also involves considering your doctor’s network. Most plans have a network of providers – doctors and hospitals – that they cover at a lower cost. Before making any decisions, it’s crucial to verify that your current doctor or preferred doctors are included in the plan’s network. We can assist in checking the provider directories for different insurance plans to ensure seamless coordination with your healthcare providers. We’ll help you find a plan that works with your existing medical team or help you find new providers if needed.

Beyond the Basics: Additional Services

Our agency provides more than just finding the right plan. We offer ongoing support, including:

• Annual plan reviews: We’ll help you review your coverage yearly to ensure it still meets your needs.
• Assistance with claims: If you have questions or problems with your claims, we’re here to help.
• Open enrollment support: We’ll guide you through the annual open enrollment period, ensuring you make informed decisions.
• Personalized advice: We tailor our advice to your specific circumstances and health needs.

Don’t hesitate to contact Camille Murillo Health Insurance Agency today for a free consultation and quote. Let us help you navigate the complexities of health insurance and find the perfect plan for you and your family. We look forward to hearing from you!

Frequently Asked Questions about Camille Murillo Health Insurance Agency in Livermore, California

Here are some frequently asked questions regarding health insurance coverage, costs, and benefits, specifically focusing on aspects relevant to clients of the Camille Murillo Health Insurance Agency in Livermore, California. While I can’t access real-time data from specific agencies or individuals, I will provide illustrative examples and hypothetical data to help answer these questions effectively. Remember to verify all information with Camille Murillo Health Insurance Agency directly.

Pre-existing Conditions

Many individuals worry about their pre-existing conditions when considering health insurance. The Affordable Care Act (ACA) significantly impacted this, prohibiting insurers from denying coverage or charging higher premiums solely based on pre-existing conditions. However, understanding how this works in practice is crucial.

The ACA’s protections generally apply to health plans sold through the Marketplace (healthcare.gov) and many individual and small group plans outside the Marketplace. However, there might be some exceptions depending on the specific plan details. For example, some plans might have a waiting period before coverage begins for a pre-existing condition. This waiting period is typically limited and regulated.

Example: Let’s assume a hypothetical scenario. A client has type 1 diabetes, a pre-existing condition. Before the ACA, they might have been denied coverage altogether or faced significantly higher premiums. Now, under an ACA-compliant plan, they would be covered, although there might be a short waiting period (e.g., 12 months) before certain related expenses are covered, after which the plan would provide comprehensive coverage. This waiting period wouldn’t apply to emergency care, which is always covered.

Important Note: The specifics of coverage for pre-existing conditions will vary depending on the specific plan offered through Camille Murillo Health Insurance Agency. It’s imperative to discuss your individual circumstances with them for accurate information.

Network Providers

Understanding your plan’s network providers is vital for ensuring access to affordable care. A network provider is a doctor, hospital, or other healthcare facility that has a contract with your insurance company. Using in-network providers generally results in lower out-of-pocket costs.

Choosing the Right Network: The network size and composition will vary between different insurance plans. A larger network means a wider choice of doctors and hospitals, but it doesn’t automatically mean better value. A smaller, focused network may offer lower premiums but potentially fewer choices.

Illustrative Example:

This table illustrates a hypothetical comparison of two plans. Plan A offers a larger network but slightly higher in-network costs, while Plan B, with a smaller network, has lower in-network costs but significantly higher out-of-network costs. Camille Murillo Health Insurance Agency can help you evaluate your needs and choose the network that best aligns with your preferences and access to care.

Coverage, Cost, and Benefits

The coverage, cost, and benefits of a health insurance plan are intricately linked. Coverage defines what the plan will pay for, cost refers to your premiums, deductibles, co-pays, and out-of-pocket maximums, and benefits are the services provided by the plan.

Understanding Plan Costs: Several factors influence the cost of a health insurance plan. Age, location, family size, and the plan’s level of coverage are key elements. Generally, plans with more comprehensive coverage (e.g., lower deductibles and out-of-pocket maximums) tend to have higher premiums.

Example Plan Comparison (Hypothetical):

This table illustrates the hypothetical cost differences across different metal tiers (Bronze, Silver, Gold, Platinum). Higher metal tiers represent more comprehensive coverage and lower out-of-pocket costs, but they also come with higher premiums. The actual costs will vary based on the specific plan offered by Camille Murillo Health Insurance Agency.

Understanding Benefits: The specific benefits offered will vary across plans. Common benefits include doctor visits, hospital stays, prescription drugs, mental health services, and preventative care. It’s important to review the plan’s Summary of Benefits and Coverage (SBC) to fully understand what’s covered.

Contact Camille Murillo Health Insurance Agency directly to obtain specific information about their available plans and to discuss your unique needs and circumstances. They can help you choose the plan that best balances your cost and coverage preferences. Remember, these examples are hypothetical; actual plans will vary.