INDIVIDUAL FAMILY PLANS (IFP) MARINA DEL REY CALIFORNIA
Individual Family Plans covers Health Insurance for Individuals & Families
- Individual Health Insurance Plans offer coverage to single, self-employed people, people between jobs, unemployed people, students, and retirees who aren't yet eligible for Medicare Health Insurance benefits.
- Family Health Insurance Plans cover two or more family members, on one Health Insurance Plan.
- A Health Insurance Plan's deductible and out-of-pocket maximum are based on whether you have an Individual or Family Plan.
- For an Individual Plan, you will be responsible to reach one amount to cover the deductible, and one additional amount to cover the max-out-of-pocket.
- The deductible and out-of-pocket maximum for a Family Plan is usually double that of a comparable Individual Plan. However, once the financial responsibility is met, on the Family Plan, and let's say there are 3 or more family members covered on this plan, there is no additional added-on deductible, or max-out-of-pocket to meet for the additional family member(s) for that year. This way, it is more cost-effective for the family to be on a one-and-the-same Health Insurance Plan.
- Benefits covered on the Individual Plans are the same as are covered on the Family Plans.
- Prescription Drug Coverage is included in both Individual and Family Plans. Deductibles may apply depending on which metal level of coverage you choose.
- Children are covered for Dental & Vision, included in their coverage, up until the age of 19.
- Adults would need to buy separate coverage for Dental and Vision.
- We Provide Trusted Guidance at No Cost to Our Clients