Contact Us
(888) 617-1232
Follow Us:
Steve Pineda
Insurance Agent
The Smarter Way To Buy Medical Insurance
Apply today for life insurance coverage that can protect your family if life hits the fan. Get an instant estimate today on life insurance that can protect your family plus give you an opportunity to grow long-term wealth.
Unlocking Peace of Mind: Streamlined Medical Insurance Access, Anytime You Need It
We specialize in simplifying the complex world of medical insurance. Whether you're seeking coverage during the open enrollment season or experiencing a life-altering event, our dedicated team is here to make the process easy and stress-free.
Our Mission
"Our mission is to empower individuals with accessible, affordable, and quality healthcare, ensuring a healthier and more secure future for all."
Our Philosophy
Our philosophy at Steve Pineda Insurance prioritizes people, making healthcare a right, fostering innovation, transparency, and community engagement. We're not just insurers; we're trusted partners in your health journey, committed to accessible and empathetic care.
Our Promise
"Our promise is simple: unwavering support for your health and well-being. We pledge to provide accessible, transparent, and innovative healthcare solutions. Your trust in us is our motivation, and we're dedicated to delivering peace of mind on your healthcare journey."
Our Guarantee
"Our guarantee is your confidence: If you're not satisfied with our services within 30 days, we'll refund your premiums, no questions asked. We stand by our commitment to your health and peace of mind, ensuring you have the protection and support you deserve."
Frequently Asked Questions
Q:
When is the open enrollment period for medical insurance, and can I get coverage outside of this period?
The open enrollment period for medical insurance typically occurs annually, usually in the late fall. However, you may still be eligible for coverage outside of this period through a Special Enrollment Period (SEP). SEPs are triggered by specific life events such as marriage, birth/adoption of a child, loss of other coverage, or relocation. These events allow you to enroll or make changes to your plan outside of the regular enrollment window.
Q:
How does the deductible work, and what is an out-of-pocket maximum?
The deductible is the amount you must pay for covered medical services before your insurance plan starts paying. Once you've met your deductible, your plan will typically cover a portion of your medical costs, with you responsible for the remaining portion, which is called coinsurance. The out-of-pocket maximum is the most you'll have to pay for covered services in a plan year, and once you reach it, your insurance should cover all eligible costs.
Q:
What's the difference between HMO and PPO plans, and which one should I choose?
HMO (Health Maintenance Organization) plans generally require you to choose a primary care physician and get referrals to see specialists. PPO (Preferred Provider Organization) plans offer more flexibility, allowing you to see any healthcare provider without referrals, but they often come with higher out-of-pocket costs. The choice depends on your preferences for network restrictions and cost considerations.
Q:
Can I keep my current doctor and medications when I switch insurance plans?
It depends on the specific insurance plan you choose. Many insurance providers offer tools and directories to help you check if your doctor is in-network. Similarly, they often provide formularies that list covered medications. Before switching plans, it's advisable to review these resources to ensure your preferred healthcare providers and medications are covered, or consult your current providers to seek recommendations for in-network options within the new plan.
Get In Touch
Get In Touch
Steve Pineda
Steve Pineda
(888) 617-1232
(888) 617-1232
17200 Ventura Blvd. Suite 112
17200 Ventura Blvd. Suite 112