Western Health Advantage is a Sacramento area local health plan, which offers unique advantages, which other plans can’t.  They are here to bring you easier access to care, not obstacles to treatment.  And you don’t have to take my word for it.  The state office of the Patient Advocate recently ranked Western Health Advantage with four stars – the highest possible rating – WHA led five of the 12 member satisfaction categories in which it was measured, more than any other health plan in the state.

• #1 in Answering Phone calls within 30 seconds (100% of the time at WHA).
• #1 in getting Appointments and Care Quality.
• #1 Offering Plan Information on “What you Pay.”
• #1 in Healthcare Highly Rated.
• #1 in Fewest Member Complaints.

Established in 1997 – A little more than 10 years ago, a group of leading health care professionals in Sacramento recognized the opportunity to do things differently and created Western Health Advantage as a new model for providing health insurance.  By focusing on access to coverage and putting care before profit, WHA strives to be a health plan that is within reach and beyond expectation.

How to Qualify for Sole Proprietor Coverage (One person Group Coverage) …

• Must be a full time business, engaged in producing income and have a business license and or Tax ID number.
• Must have a current Schedule C tax filing showing a minimum gross income of $40,000 for the business.
• Must sign a WHA Sole Proprietor / Owner / Partner Statement stating you are not listed on any other employer DE-6.
• Sole Proprietor groups must pay monthly premium via electronic funds transfer (EFT) and complete the WHA EFT Agreement.

Note: Individual tax filings, bank statements, checks and accounts receivable statements are not sufficient proof of income and will not be considered.

Western Health Advantage is a radical departure from most HMO’s and health insurance companies, emphasizing access to care instead of bureaucracy and profit margins.  As a result, Western Health Advantage successfully provides its members with reasonably priced health care without sacrificing service, quality or flexibility.

Western Health Advantage (WHA) is a full service, not for profit health care paln operating in Northern California in the following counties: Sacramento, Yolo, Solano, western El Dorado and western Placer.

We belieeve that “local” is a better way to do business.  It ensures that our members enjoy responsive, local customer service and avoid the time-wasting bureaucracy that’s sending health care costs through the roof.

Western Health Advantage gives you, your business and your employees the freedom to visit the best doctors, specialists and hospitals in Sacramento, Solano, Yolo, El Dorado and Placer county regions.  Affordable premiums and minimal out-of-pocket expenses.  A dedicated, local customer service team.  California’s #1 health insurance plan for member satisfaction.

Choose from over 2,300 primary and specialty care physicians from the areas finest medical groups.

• UC Davis Medical Group
• Mercy Medical Group
• North Bay Healthcare
• Woodland Clinic Medical Group
• Hill Physicians Medical Group
• Golden State Medical Group

An accessible, award-winning health plan that puts people first – that’s a health plan you and your employees can feel good about … That’s Western Health Advantage.

For a quote or compete plan and benefit details call anytime: 800-700-1246.

Questions & Comments:

If you are looking for a quote, more information on any of the Blue Shield of California Health plan or want to compare with what you currently have, please click the link below to generate an instant Blue Shield quote for your self and or family.

• Quote & Apply On-Line

Please feel free to contact me anytime, I will be happy to answer all of your questions.

Need help or have Questions?

California Health Insurance plans and companies are constantly in flux. The plans and rates are constantly changing, which can be a benefit for the person who is able to compare and change to the newest offered plans.  The new plans usually offer the lowest rates because they have low claims ratios and very few catastrophic claims.  Companies like Anthem Blue Cross and Blue Shield of California usually introduce plans on an annual basis.  In most cases the companies will offer their current customers the ability to transfer to one of the newly introduced plans, allowing you the opportunity to have the most competitive plan for yourself and family.

Feel free to view the current plans and rates being offered by both companies:

• Anthem Blue Cross – Plans & Rates
• Blue Shield of California – Plans & Rates

With both companies you can apply on-line or submit a paper application.

Anthem Blue Cross:

• On-Line Applicatio

Blue Shield of California:

• On-Line Application

View and compare the newest California health insurance plans and rates instantly.  We carry a variety of health plans to meet your Individual, Senior and Small Business needs.  These plans are offered by the top insurance carriers in the industry.  When you shop for health insurance, we recommend that you compare the different plans and contact us for advice.  Even better, allow us to compare health insurance plans for you.  We will analyze your unique needs and help you pick the health insurance plan that is right for you.  Whenever charge a fee for the advice or services we provide.  As an authorized independent agent I will provide you with options that will benefit your current interests.

Please don’t hesitate to call anytime with your questions.  Some of these plans may seem a little confusing, so feel free to contact me for more information.

Need help or have Questions?

First of all, a PPO office visit co-pay works differently than a HMO office visit co-pay.  This causes quite a bit of confusion, especially if a person has come off of a group plan HMO onto an individual PPO plan.  So what’s the difference?  For example, take a Blue Cross of California PPO $1500 deductible plan with a $30 office visit co-pay. When you visit the doctor for an outpatient visit such as; for the flu, or an annual check up, or even a sprained knee from the gym.  As a rule of thumb, you will be responsible for all charges except for the cost of making the appointment.  So if you went to the doctor because of the sprained knee, the visit itself will be covered with your office visit co-pay of $30.  If the doctor says you need an X-ray, “take this slip to XYZ Radiology Associates to make sure there are not any bone chips or a slight fracture.”  The X-ray charges you will be responsible for, which will be credited towards your annual deductible.

• Medicare Supplement Rates
• Individual Health Insurance Quote
• Dental & Vision
• International Health Insurance

Now, your visit is for an annual physical.  Your doctor usually charges $100 for an appointment, but in your case the charge is covered with your plan co-pay.  During the physical your doctor says you should get your cholesterol checked one of the Blue Cross network labs.  That charge will also go towards your deductible.

What about the HMO co-pay, how is that different?  HMO co-pays will usually cover most of the visit costs; the office visit, any lab work and X-ray costs.  An HMO plan co-pay is much more comprehensive in regards to what is covered within the co-pay.

So why would anyone choose a PPO plan?  Two primary reasons:

1. The monthly premiums for a PPO style plan has a much lower monthly premium then the alternative HMO plan.
2. Freedom of choice with physicians, specialists and hospitals (over 42,000 providers in California).  If I want to see a particular specialist, or have an operation at a certain hospital, or receive treatment from the most respected medical group, I make an appointment, and go.  I don’t need a referral, I don’t need an approval from a medical group board.  I’m in control.  That alone is why I thing PPO plans offer much more value than HMO plans.

Some PPO’s (Preferred Provider Organization) offer plans with unlimited office visit co-pays, other plans have a limited number of co-pays per year, such as three or five, after they are used you simple pay the cost of the visit.  And others offer no office visit co-pays.

Value for your money.  There are so many plans and companies available today, I understand how comparing plans can be a chore.  I’m here to help.  Within a few minutes I will be able to narrow down the list of plans to just a few for your review.  Making the comparison process much more manageable.  So feel free to call anytime with your question or comments.  I look forward to hearing from you.

• Medicare Supplement Rates
• Individual Health Insurance Quote
• Don’t forget about Dental coverage

Need Help or have Questions?

John Conner
www.JohnConner.com
john@johnconner.com
800-700-1246

Western Health Advantage (WHA) is a full-service, not for profit health care plan operating in Northern California in the following counties: Sacramento, Yolo, Solano, Western El Dorado and Western Placer.  We offer a variety of health care products and services to meet the needs of patients, Sole Proprietors and employers.  The state of California recently named Western Health Advantage the #1 health plan in California for member satisfaction.

Western Health Advantage features some of the regions premiere medical professionals, giving our members access to more than 800 primary care providers and more than 1,400 specialty care providers.  WHA also maintains a complete network of specialty physicians who have admitting privileges at some of the top facilities in the region.

Customer service and quality care are the most important guiding principles of Western Health Advantage.  WHA was created by local health care providers who believe health care can be delivered in a managed care environment without sacrificing service and quality.  Because WHA is owned and directed by providers, our primary focus is to support, assist and improve the ability of physicians and hospitals to provide you the quality care you deserve.

Call for a custom quote: 800-700-1246

Sole Proprietors Qualifications:

1. A full time business with a business license or Tax ID.
2. Must have a current Schedule C showing a minimum gross income of $40,000 for the business.
3. Must not be on any other employer DE-6.

Employer Group Qualifications:

1. Employer must have a Tax ID and a DE-6 (IRS quarterly tax filing).
2. Employer must contribute a minimum of 50% to employee premium.
3. Employers must provide most recent DE-6 or prior carrier bill.
4. Partnerships must show most current Schedule K.

Top Quality Providers and Owners

Among WHA’s greatest strengths are our top-quality providers.  They are among the best in northern California.  They Include:

Mercy Healthcare Sacramento (MHS) and Catholic Healthcare West Medical Foundation (Mercy Medical Group (formerly MedClinic) Medical Group) are divisions of Catholic Healthcare West, a large, multi-state integrated health care delivery system.  MHS is building an integrated regional health system that will be a major component of the broader regional delivery system.

UC Davis Health System represents one of WHA’s major providers for primary, tertiary, and trauma services.  The system encompasses the UCD School fo Medicine’s clinical faculty, health care professionals of the medical center and a geographically dispersed network of primary care providers.

NorthBay Healthcare is a non-profit, community organization based in Solano County.  We have a nearly 50-year tradition of providing hospital and community services that are offered by no other health care provider in our region.  From emergency care to surgery and specialty services like cancer care and high-risk maternity services, thousands of people in Solano County rely on NorthBay Healthcare for compassionate care, advanced medicine and close to home.

Woodland Healthcare is one of Northern California’s first, truly integrated inpatient and outpatient health care delivery systems.  the Woodland Clinic Medical Group is a partner in the Woodland Healthcare System.  The clinic is the oldest, multi-specialty group practice in California.

Hill Physicians Medical Group Founded in 1983, Hill Physicians is the largest independent practice association in the nation serving over 350,000 members in Sacramento, Placer, Alameda, Contra Costa, Solano and San Francisco counties.  With 2,000 physicians, Hill Physicians offers access to one of the most extensive medical delivery systems in Northern California.

Golden State Physicians Medical Group is a group of 350 physicians, about 100 of whom are primary care physicians.  The GSPMG physicians are located throughout the Greater Sacramento region.  While the GSPMG is relatively new, most of its physicians have been in practice in the Sacramento region for many years.  We’re sure you will notice some familiar names among their list of doctors.

Guaranteed Primary Care Access

WHA wants you to receive the care you need when you need it.  In most cases, your primary care physician will be available for urgent visits.� But when that’s not possible, we also offer a unique program which ensures access to another primary care provider for acute medical needs.

Referrals to Specialist – The Advantage Referral Program

To give you more flexibility in choosing a medical specialist, Wha allows you to access all specialists in our network, rather than only those who have direct relationships with your primary care physician.  Because most of your care is coordinated by your primary care physician, you will be referred to a Specialist or other health care provider when appropriate.

Member Services

WHA is eager to help you and your family get the most out of your health plan.  I encourage you to call or e-mail me at anytime, I’m here to support you.

Why Western Health Advantage?

Western Health Advantage (WHA) is a relatively new health plan providing healthcare services to Sole-Proprietors, commercial subscribers, and Medicare beneficiaries in Sacramento, Yolo, Solano, El Dorado, and Placer counties in Northern California.  While it is state-licensed by the California State Department of Managed Health Care to do business as a Health Maintenance Organization (HMO), it is a radical departure from most of the managed care companies that exist today.

WHA offers patients, physicians and purchasers a model of managed care that emphasizes access to care, instead of obstacles to treatment, and puts healthcare before stock values.  The WHA Advantage Referral is a unique program; it enables WHA members to be referred easily to any specialist or hospital in the WHA network.  We feature some of the regions premier health facilities, giving our members access to over 600 primary care physicians and more than 1,000 specialty care providers.

We also maintain a complete network of referral physicians who have admitting privileges at some of the top facilities in the region.  This new health plan, created and sponsored by Mercy Healthcare Sacramento, University of California, Davis Health System, and NorthBay Healthcare System, is a non-profit, mutual benefit corporation directed by physician and hospital organizations.

WHA emphasizes customer service and quality care as its most important mission.  Local providers who believe that healthcare can be delivered in a managed care environment without sacrificing service, quality and fair reimbursement for the providers who deliver the care where an integral part of the creation process.  It is an attempt to balance the need to control the cost of care with the need to provide quality healthcare in a compassionate manner.

Please feel free to contact us anytime for more details.  If you would also like information regarding “Individual & Family plans, or Medicare Supplement plan, I can also help.

Need help or have questions?

John Conner
Health & Medicare
www.JohnConner.com
john@johnconner.com
800-700-1246 – office
800-995-9913 – fax

Western Health Advantage areas of service: Sacramento, El Dorado County Cities: Sacramento County Cities: Antelope, Auburn, Cameron Park, Carmichael, Citrus Heights, Clarksburg, Courtland, Davis, El Dorado Hills, Elk Grove, Elverta, Fair Oaks, Folsom, Galt, Gold River, Granite Bay, Herald, Hood, Isleton, Lincoln, Loomis, Mather, North Highlands, Orangevale, Penryn, Rancho Cordova, Rancho Murieta, Represa, Rio Linda, Rocklin, Roseville, Ryde, Sacramento, Shingle Springs, Sloughhouse, Walnut Grove, West Sacramento, Wilton, Winters, Woodland.

Click the button on the left if you would like to compare rates and benefits of plans and companies in the Sacramento area.  We provide the guaranteed lowest prices for your Sacramento Health Insurance plan.  Whether you are an individual, family or small group we are here to help you find the most affordable Sacramento health plan available.

Anthem Blue Cross   -   Blue Shield of California

By clicking “Quick Quote“ you’ll be able to view the most affordable, high quality Sacramento Health Plans.  The rates are guaranteed to be the lowest allowed in the state of California.

There are many new plans available with Anthem Blue Cross, along with Blue Shield plans.  So check them out today to see if you can same some money or improve on your benefits.

Don’t forget about Dental.

Sacramento health insurance plans are some of the most affordable health insurance rates in the state of California. Take a look around, and I’m sure you will be able to find a plan to fit your unique needs.  New plans are being introduced every year, and the newly released plans are usually the least expensive, because they are starting out with a generally healthy block of business.  Also the influx of new premium keeps the claims and loss ratios at a level where they can keep the premiums at a competitive level.  Older plans which have been around for many years are usually the more pricey plans, because the the older block of business has not been underwritten for many years so the loss ratios become elevated, causing the rates to increase and discouraging new business premiums to be added.  O.K enough of the technical talk.  Feel free to look around and compare monthly rates and benefit options.  If you would like me to email you a breakdown of some of the popular plans in your area, simply contact me with your age and zip code and I’ll send the info for your review.

• Individual & Family Plans
• Medicare Supplement
• Dental

Apply On-Line
Feel free to call anytime with your questions, and if you know of anyone who would like to compare their current Medicare Supplement or Medicare Advantage plans please let them know about this website.  Or better yet, have them call, and I’ll be happy to discuss the plans in more detail.

John Conner
800-700-1246
john@johnconner.com

Medical expenses are rising faster than the costs of any other service.  About 40 years ago American medical spending was estimated at 5% of national income; today it is calculated at some 17% and rising.  So why is this?

America pays more wages to our medical personnel and facilities.  In a rich country, wages for healthcare workers are high.  Also, doctors conduct an inordinate amount of tests, if that doesn’t work come back and we’ll try this.

Americans are known to be one of the most obese populations in the world.  Fast food, huge serving sizes, the trend of dining out, and a very sedentary lifestyle which may breed physical disorders and complications that finally acquire medical attention.  Rather than choosing healthier foods, smaller portions and exercise, many people turn to surgery and medication for obesity rather than self control and discipline.

Other observes hold the endless stream of medical innovations responsible for rapidly rising health care cost, such as new drugs and delicate tools for microsurgery.

Instant relief from pain and discomfort.  Many have a problem of being over prescribed medications. Millions receive narcotics and pain medication for conditions resulting from illness or injury, which is understandable.  Although, there are also too many people requesting pain medication from their doctors rather than tolerate minimal pain or seek other alternatives such as physical therapy or exercise.  It’s easier for them to pop a pill then to tolerate the slightest amount of pain or make any lifestyle changes.

Other factors; consumers opt for more care if someone else pays for it (Insurance foots the bill). Insurance guarantees a steady stream of revenue for hospitals and other health providers.  Such ready cash encourages them to build new cardiac care centers full of the latest high tech equipment, knowing it will be paid for.  If you produce expensive new equipment for medical care, people will buy them.  Or I should say insurance will pay for it.

And finally, fraud.  Health insurance fraud costs Americans an estimated 80 Billion each year, or nearly $950 per family.

• The National Health Care Anti-Fraud Association estimates that at least 3% of the nation’s annual health care outlay is lost to outright fraud.
• According to the Administration on Aging, the United States Accounting Office estimates that $1 out of every $7 spent on Medicare is paid inappropriately due to error, fraud or abuse.
• This results in higher taxes to support federal health care programs.
• This results in higher private health insurance premiums.

And don’t forget about the uninsured.  The number of uninsured continues to rise.  This increases overall health care costs because the uninsured are less likely to receive timely preventive care and are more likely to be hopitalized for avoidable health problems, which results in more costly treatment and services.

I’d love to hear some of your opinions on why you thing These are some of the reasons why healthcare is so expensive.

Need help or have Questions?

John Conner
Authorized Independent Agent
www.JohnConner.com
800-700-1246 – phone

Medicare Supplement Rates