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Individual & Family

Family & Individual Health Insurance

Individual Health InsuranceProviding family and individual health insurance plans for residents of Lodi, CA and the surrounding areas, McClerkin Insurance Services has been committed to providing high quality, cost-efficient insurance plans for 39 years. Making sure that you and your family are covered for whatever obstacles life sends your way is vital to your peace of mind. Our courteous agents will thoroughly research plans to assure that you are provided with the most cost-efficient plan for your family.

Individual Health Insurance Plans

While companies are required under the Affordable Care Act to provide insurance to their employees, employees of small businesses are exempt from this mandate, requiring many individuals to seek out an individual policy. Individual Health Insurance plans are also the perfect solution for young adults newly on their own who need health insurance coverage. Whatever your needs may be, McClerkin Insurance Services is committed to finding you the best option for both you and your budget. We are able to offer plans ranging from Major Medical (catastrophic) to Comprehensive Medical coverage.

Family Health Insurance Plans

Family insurance plans, much like Individual plans, offer insurance outside of your employer. Whether your employer is exempt from offering insurance under the Affordable Care Act, or the insurance offered by your employer does not meet your family’s needs, McClerkin Insurance Services can find the perfect plan for your family, regardless of its size.

 Dental and Vision Plans

McClerkin Insurance Services offers a variety of Dental and Vision Coverage options as well. Most insurance providers cover only basic dental and vision needs. A supplemental Dental and Vision Plan can ease the burden of these visits and offer you or your family peace of mind that all aspects of health care are covered, no matter how large or small.

What Insurance Coverage Level Is Right for Me?

What level of insurance you require often varies throughout your lifetime and is based on many factors. Do you have frequent doctor’s visits? Do you have any chronic conditions requiring regular medications or medical treatments? Do you prefer a plan with lower co-pays in exchange for higher premiums, or do you prefer to pay more when an illness occurs? Your answers to these questions will determine the level of coverage that is best for you.

Major Medical plans are best suited to individuals with relatively few health concerns who visit the doctor mainly for routine physicals or major ailments. Major Medical Plans often exchange lower premiums for higher out of pocket costs at the time of a doctor’s visit (coinsurance). If you do not frequently visit the doctor, this may be the best option for you.

On the other hand, comprehensive Medical plans often offer lower copays in exchange for higher premiums. If you have chronic conditions that require regular doctor’s visits, this plan may be a more cost effective solution.

 How Do I Get Started?

  • Step 1: Review your use of medical services for the previous year. Did you frequently visit a doctor? Are you taking prescription medication on a regular basis? Please remember that under the Affordable Care Act, all routine physicals and vaccinations must be 100% covered.
  •  Step 2: Decide how you would like to allocate your health care resources. Determine whether you would prefer to spread out your health care costs in the form of premiums and copays, or whether you would prefer to pay for your health services at the time of the visit (coinsurance).
  • Step 3: Contact us to help determine what level of coverage and health insurance provider best fits your needs.

Please keep in mind that the more information you are able to share with us about your medical history and those of the individuals who will also be covered under your policy, the better we will be able to assist you.

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