Health
Health Insurance
Harvest Insurance Agency can provide peace of mind with health insurance that's right for you and your family.
California Health Insurance & Medical Coverage Plans – Harvest Insurance Agency helps you to compare companies to get low cost, California individual or group health insurance.
Not sure what type of health insurance is best for you? Read our section on the differences between PPOs and HMOs.
Free Online Health Insurance Quotes:
Got questions or need help finding an online quote? Don’t hesitate to contact a Harvest Insurance Agency representative, we’ll be glad to help you.
Blue Cross of California
Blue Shield of California
Health Insurance basic, but important, questions:
What is a PPO?
A Preferred Provider Organization (PPO) is an arrangement designed to supply healthcare services at a discounted cost by providing incentives for members to use designated healthcare providers (who contract with the PPO at a discount), but which also provides coverage for services rendered by healthcare providers who are not part of the PPO network.
What is an HMO?
HMO stands for Health Maintenance Organization, a healthcare system that assumes or shares both the financial risks and the delivery risks associated with providing comprehensive medical services to a voluntarily enrolled population in a particular geographic area, usually in return for a fixed, prepaid fee.
What is a Primary Care Physician (PCP)?
A physician or other medical professional who serves as a group member’s first contact with a plan’s healthcare system. Also known as a primary care provider, personal care physician, or personal care provider.
What is a Health Insurance Claim?
An itemized statement of healthcare services and their costs provided by a hospital, physician’s office, or other provider facility. Claims are submitted to the insurer or managed care plan by either the plan member or the provider for payment of the costs incurred by the physician or other medical professional who serves as a group member’s first contact with a plan’s healthcare system. Also known as a primary care provider, personal care physician, or personal care provider.
What is Coinsurance?
A method of cost-sharing in a health insurance policy that requires a group member to pay a stated percentage of all remaining eligible medical expenses after the deductible amount has been paid.
What is a Primary Care Physician?
A Primary Care Physician is a Physician or other medical professional who serves as a group member’s first contact with a plan’s healthcare system. Also known as a primary care provider, personal care physician, or personal care provider.
What is a Copayment?
A specified dollar amount that a member must pay out-of-pocket for a specified service at the time the service is rendered.
What is a Fee Schedule?
The fee pre-determined between the Physician and the insurance company for a procedure or service, which the physician agrees to accept as payment in full. Also known as a fee allowance, fee maximum, or capped fee.
What is a Generic Substitution?
The dispensing of a drug that is the generic equivalent of a drug listed on a pharmacy benefit management plan’s formulary. In most cases, generic substitution can be performed without physician approval.
Health Tips:
Childproofing:
Childproof your home to protect your child from injury. By taking the time to make some changes you will help your child. Securely lock up or keep out of reach anything likely to be dangerous in the hands of a child:
- Toxins (e.g., fertilizers)
- Medicines
- Power tools
- Electrical appliances
- Cleaning solutions and powders
- Cover electric wall sockets
- Kitchen knives
- Secure and block dangerous stairwells, second floor screenless windows and glass doors
- Fence in yards and remove dangerous equipment from your yard
- Supervise children’s play outside the home, especially if your house is on a busy street
- Supervise your child’s play with younger brothers and sisters
- Children should wear bike helmets when bicycling
- Be careful with house plants. Some common varieties are poisonous (e.g., Poinsettia, Dieffenbachia, Philodendron)
Home First-Aid Kit:
Every home needs a first aid kit for unexpected injury. Some basic suggestions are made below to assist your preparation of this kit. You will want to prepare two kits – one for your automobile and one for the home. You can place these items in a small storage box such as a tackle box or a small sewing box.
Equipment:
- Sterile gauze pads (large and small)
- Telfa pads (or nonstick bandage)
- Gauze bandages (sterile 2×2 & 4×4)
- Paper tape or waterproof plastic tape
- Band-Aids (all 3 sizes)
- Elastic bandage (3 inches and 4-6 inches wide)
- Tweezers
- Scissors
- Thermometer
Medicines:
- Acetaminophen Syrup of Ipecac (one bottle per child/note expiration date)
- Hydrogen peroxide (or antiseptic wipes)
- Sunscreen agents
- Meat tenderizer (unseasoned)
- Benedryl (liquid form)