Know Your Benefits
How Does Healthcare Insurance Work?
Health insurance works by spreading the cost of care among large groups of people—so insurance paid by one person also helps pay for the care of others. In a large enough group, most people are healthy and use few health services in a given year. A minority of individuals account for the majority of health care spending for the group. Sharing this risk is a critical part of insurance since it is likely that every person will incur an illness at some point, and many individuals suffer injuries or even become disabled.
In addition to spreading financial risk, healthcare insurance also improves access to healthcare services. Numerous studies have shown that, compared to those who are insured, people without healthcare insurance receive fewer options in healthcare services, or their care is delayed. Healthcare insurance not only protects individuals from catastrophic expenses, it also improves access to important routine, preventive and primary care services.
Let Zein Insurance Services Assist You
Choosing the right health coverage for you and your family. Health insurance protects yourself and families from unexpected high costs of hospitals, medications, medical tests, and doctor’s visits. Choosing the right insurance plan directly affects and greatly impacts your medical costs.
Individuals and Family
It is our goal at ZIS to provide the plan you and your family can always depend on for your healthcare insurance needs. We know that our clients want a policy that will cover their healthcare costs with the least amount of hassle. That is why at ZIS we work to find healthcare insurance coverage options which will insure that any doctors you or your family currently have are covered. While also being flexible to protect you and your family if any unforeseeable event were ever to occur.
Our agents work diligently to find the best plan for every situation. As an independent insurance agency, we are never pressured to push any specific carrier onto our clients. At ZIS we are true agents, always working on behalf of our clients best interests, when we give clients
our professional advice. Our process of checking with multiple providers will save you both time and money whilst giving you confidence in selecting the best policy available to you.
It is important to be ready for whatever life may throw your way and at ZIS we make it easy. Life can be unexpected, let our Insurance options keep you covered, no matter what happens. We offer coverage plans that will keep you covered through all of life’s storms.
Are You the Owner Of A Small Business?
Every employee is valuable to their employer. This is true, especially for those firms with less than 100 employees. At ZIS, we have a great understanding for this truth and provide our large group health clients with a high level of service that has become our trademark.
As independent agents, we will demand from the insurance companies only the health insurance option which will insure that all your employees, and their families, receive the healthcare insurance that they need, while meeting your cost specifications. We ensure the health and well-being of not only your firm and employees, but also our client/agent relationship.
ZIS offers a wide array of services for your companies’ needs. ZIS provides a HR platform, which certifies your firm in complete compliance with the ever-changing rules and regulations in regards to your legal obligation to offer healthcare insurance. In addition, we provide customized online portals, for you and your employees, to review current policies, benefits, print policy ID cards, plan for healthcare visits, etc.
ZIS provides our clients customized options for employees who need additional coverage. For clients with 25+ employees, we offer composite rates, which protects your employees with pre-existing conditions from being burdened with high premiums.
Does Your Business Have 100 + Employees?
While we regard our small business clients as family, we provide only the highest levels of professionalism for our corporate clients. At ZIS, we understand this is not only the standard, but a necessary aspect to insuring your firm holds a fair, bidding process.
ZIS provides a HR platform which certifies your firm is in complete compliance with the ever-changing rules and regulations in regards to your legal obligation to offer healthcare insurance. Also, we provide customized, online portals, for you and your employees, to review current
policies, benefits, print policy ID cards, plan for healthcare visits, etc.
We have unique knowledge and insight into the insurance market as it pertains for our corporate clients. For many of our clients, attracting and retaining talented employees through employee benefits packages has been a common theme. Let us share our knowledge with your firm in aid of achieving its strategic goals.
Since day one, Zein Insurance Services has been a certified Affordable Care Act (Obamacare) agency beginning with its official roll out. We have helped thousands of individuals and families to claim the maximum amount of governmental subsidies/discounts when purchasing their health insurance through Covered California™.
We are honored to play our role in the mission to increase the number of Californians with healthcare insurance, and in doing so to improve the quality of healthcare, reduce healthcare coverage costs, and insure that the quality of affordable healthcare insurance is made available for all of California’s uniquely diverse population.
ZIS, working with DHCS (Department of Health Care Services), has provided low-income Californians with access to affordable, high-quality healthcare insurance, which includes: Medical, Mental Health, Substance Abuse Treatment Services, and Long-Term Care. Its vision is to preserve and improve the physical and mental health of all Californians.
Zein Insurance Services agents give individuals and families the ability to understand and decide the health plan that offers them security and peace of mind that every Californian deserves. We are committed to ensuring that all clients are aware of all their health coverage options. Our bilingual staff can help you find out if you or your family qualify for free or low-cost healthcare insurance, including Medi-Cal, and compare a range of health plans and choose the right one.
In Need of Medicare?
A Medicare Supplement Insurance (Medi-gap) policy, sold by private companies, can help pay some of the healthcare costs that Original Medicare doesn’t cover, like co-payments, coinsurance, and deductibles.
Some Medigap policies also offer coverage for services that Original Medicare doesn’t cover, like medical care when you travel outside the U.S. If you have Original Medicare and you buy a Medigap policy, Medicare will pay its share of the Medicare-approved amount for covered health care costs. Then, your Medigap policy pays its share.
A Medi-gap policy is different from a Medicare Advantage Plan. Those plans are ways to get Medicare benefits, while a Medi-gap policy only supplements your Original Medicare benefits.
Why Choose Zein Insurance Services?
We are passionate about helping our clients prepare for life’s surprises. We also offer help to those with pre-existing conditions and are more than happy to find a plan, depending on eligibility. It’s easy to get a free quote.
Contact us today at 818 887-8780 and get high quality insurance for the lowest price, with the help of our experienced and knowledgeable agents. We listen! We understand! We offer customized solutions!