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What Kind Of Services Does Arletta Insurance Provide?
Arletta Insurance is a licensed health insurance agency and one of the leading agencies to work with the San Fernando Valley for individuals, families and small businesses purchasing insurance. We have insured thousands of customers and offer a broad selection of insurance plans from most of the nation's leading insurance companies, and deliver a customer experience that simply can't be beat. Whenever you have a question or need personal assistance, you can contact one of our licensed health insurance agents for the answers and unbiased advice you need to make the most of your insurance dollars. Once you have submitted your application for coverage, we will work with the insurance company you've selected to expedite the approval process and continue to address your questions and concerns, to serve as your advocate, and to help you with all your future insurance needs.
What Kind of Products Do You Offer?
At Arletta Insurance we offer an array of insurance services including but not limited to Health, Disability, Dental, Life, and Long Term Care in addition to the inquiry of Medicare Supplements. Furthermore, we also provide Group Dental, Group Disability, Group Life, and Group Health plans.
What Types Of Health Insurance Do You Offer?
A. Individual and Family Health Insurance. This is perfect for singles and families who don’t receive
health insurance coverage from their employer.
B. Small Business Health Insurance. We offer group health insurance plans for small businesses and
organizations ranging from 2-50 employees.
C. Short-Term Health Insurance. This type of plan is designed for people in need of temporary
coverage. Obtaining short-term coverage is quick and easy and even though we agree that it's
not a long-term solution. Our short-term coverage can protect you in between jobs and
temporarily after graduating from college.
D. Student Health Insurance. Full-time college students and their parents should explore our student
health plan options for premium coverage while obtaining beneficial savings.
E. Dental Insurance. We provide dental insurance options designed to fit everyone’s budget.
Why Should I Shop With Arletta Insurance?
With so many competitors our there it is almost impossible to find the quality service and affordable
rates that you deserve.
Unlike many of our competitors we offer:
A.Comprehensive Selection
B.The Best Prices.
C.Fast Processing.
D.Excellent Customer Care.
Does Arletta Insurance Charge For A Quote?
Absolutely not! All of our quotes are completely free and have no obligation attached. To get a quote fast click here!
If I apply an insurance plan, am I obligated to buy?
No! You are under no obligation to buy an insurance plan. After submitting your application you may cancel it at any time during the underwriting process. It is common to include your credit card number, bank account information, or a check for the initial premium payment when submitting an application. Most insurance companies will not charge your card, debit your account, or deposit your check until you are approved. In the event that you are charged and you are denied for coverage or cancel your application prior to approval, the insurance company will issue you a full refund.
Disclaimer: There are a handful of insurance companies that may charge an application fee. In the event that you choose a plan that requires an application fee you will be notified ahead of time. Please note that these fees are non-refundable.
Can I contact someone if I need help?
Absolutely! At Arletta Insurance we have a very old fashioned approach to providing you with top-quality customer service. Our customer care center is staffed with knowledgeable representatives that are ready to assist you whenever you need them.
Call Us Today!
Our licensed insurance agents and knowledgeable representatives are ready to help you with all of your insurance needs!
Just call us toll free at 855-ARLETTA Mon - Fri, 8AM-8PM PST.
Email Us
Click here to reach us by email! One of our knowledgeable representatives will reply to you ASAP.
Please note that our licensed health insurance agents can only discuss insurance plan benefits
and rates by phone and not by email.
What Is Individual & Family Health Insurance and What Does It Cover?
Individual & Family health insurance is a classification of health insurance coverage that is made available to individuals and families, rather than to employer groups and organizations. Most people would prefer to have insurance coverage provided by their employer but if this is not a possibility then it is still very important to seek coverage. Arletta Insurance can provide you and your family a variety of affordable options that is tailored to your specific needs.
How does a PPO plan work?
As a member of a PPO (Preferred Provider Organization) plan, you will be encouraged to use the insurance company's network of preferred doctors and hospitals. These healthcare providers have been contracted to provide services to the health insurance plan's members at a discounted rate. You typically won't be required to pick a primary care physician but will be able to see doctors and specialists within the network at your own discretion.
You will most likely have an annual deductible to pay before the insurance company starts covering your medical bills and you may also have a co-payment for certain services or be required to cover a certain percentage of the total charges for your medical bills.
With a PPO plan, services rendered by an out-of-network physician are typically covered at a lower percentage than services rendered by a network physician.
How does an HMO plan work?
Though there are many variations, HMO (Health Maintenance Organizations) plans typically enable their members to have lower out-of-pocket healthcare expenses but also offer less flexibility in the choice of physicians or hospital than other health insurance plans. As a member of an HMO, you'll be required to choose a primary care physician (PCP). Your PCP will take care of most of your healthcare needs. Before being able to see a specialist, you will need to obtain a referral from your PCP.
With an HMO you'll likely have coverage for a broader range of preventive healthcare services than you would through another type of plan. You may not be required to pay a deductible before coverage starts and your co-payments will likely be minimal. With an HMO plan, you typically won't have to submit any of your own claims to the insurance company. However, keep in mind that you'll likely have no coverage whatsoever for services rendered by non-network providers or for services rendered without a proper referral from your PCP.
How does a POS plan work?
A POS (Point of Service) plan combines features offered by HMO and PPO plans. As with an HMO, members of a POS plan may be required to choose a primary care physician (PCP) from the plan's network of providers. Services rendered by your PCP may or may not be subject to a deductible. Also, like HMOs, POS plans typically offer coverage for preventive care visits.
Typically, however, you will receive a higher level of coverage for services rendered or referred by your PCP. Services rendered by a non-network provider may be subject to a deductible and will likely be covered at a lower level. If services are rendered outside of the network, you'll likely have to pay up-front and submit a claim to the insurance company yourself.
Please note this information may vary by insurance company.
How does an Indemnity plan work?
A traditional Indemnity plan offers a great deal of freedom in choosing which doctors and hospitals to use, but involve higher out-of-pocket costs and more paperwork.
Under an Indemnity plan, you may see whichever doctors or specialists you like, with no referrals required. Though you may choose to get the majority of your basic care from a single doctor, your insurance company will not require you to choose a primary care physician.
However, this kind of leniency will cost you. You'll likely be required to pay an annual deductible before the insurance company begins to pay on your claims. Once your deductible has been met, the insurance company will pay your claims at a set percentage of the "usual, customary and reasonable (UCR) rate" for the service. The UCR rate is the amount that healthcare providers in your area typically charge for any given service.
An Indemnity plan may also require that you pay up front for services and then submit a claim to the insurance company for reimbursement.
What Is An HSA & How Does It Work?
Legislation establishing Health Savings Accounts (or "HSAs") took effect on January 1, 2004 allowing HSAs and HSA-compatible health insurance plans to become more and more popular. Here are the basics:
An HSA is a tax-favored savings account that may be used in conjunction with an HSA-compatible high deductible health insurance plan to pay for qualifying medical expenses. Typically, the monthly premium on an HSA-compatible high deductible plan is less expensive than the monthly premium for a lower-deductible health insurance plan.
One of the benefits of HAS’s is that contributions to an HSA may be made pre-tax, up to certain
annual limits.
Funds in the HSA may be invested at your discretion. Unused funds will remain in your account and accrue interest year-to-year, tax-free.
What is a co-payment?
A "co-payment" or "co-pay" is a specific charge that your health insurance plan may require you to pay for a specific medical service or supply. For example, your health insurance plan may require a $40 co-payment for an office visit or brand-name prescription drug, after which the insurance company often pays the remainder of the charges.
What is a deductible?
A "deductible" is a specific dollar amount that your health insurance company may require that YOU pay out-of-pocket each year before your health insurance plan begins to make payments for claims. Not all health insurance plans require a deductible. As a general rule, HMO plans typically do not require a deductible, while most Indemnity and PPO plans do.
What is coinsurance?
Coinsurance is the term used by health insurance companies to refer to the amount that you are required to pay for a medical claim, apart from any co-payments or deductible. For example, if your health
insurance plan has a 20% coinsurance requirement (and does not have any additional co-payment or deductible requirements), then a $100 medical bill would cost you $20, and the insurance company would pay the remaining $80.
When can my coverage start?
You can request that your Individual and Family health insurance plan start anytime between 1 and 90 days in the future. However, the insurance companies will typically need some time to process your application so keep in mind that the actual date for the start of your coverage may vary depending on the underwriting process and the availability of your medical records
How do you protect my private information?
Shopping with Arletta Insurance is safe. As your health insurance agent, we're committed to protecting your privacy and the information you provide to us.
Arletta Insurance will not sell, trade or give away your personal information to anyone, except those
specifically involved in the referral or processing of your health insurance quote or application.
We use industry-leading technologies to ensure the security of all the information under our control.
We encourage you to read through our Privacy Policy online.
When I buy an insurance plan, how do I make payments?
In most cases, when you complete your application you'll provide a credit card number or a check written to the health insurance company for the first premium payment. Typically, your credit card will not be charged nor will your check be cashed until you are approved for coverage. If you are not approved for coverage, or if you cancel your application, your card will not be charged and any check payment you made will be returned or refunded.
Once you've been approved for coverage, your ongoing premium payments are paid to your health insurance company typically on a monthly or quarterly basis. Insurance companies usually offer several payment options including monthly billings to be paid by check or credit card, automatic bank drafts or automated credit card charges. Please note that credit card billing of premiums is optional and you can obtain coverage without using that method of payment.
How does dental insurance work?
Dental insurance works very similarly to the way medical insurance works. For a specific monthly rate or "premium", you are entitled to certain dental benefits, usually including regular checkups, cleanings, x-rays, and certain services used to promote general dental health. Some plans will provide broader coverage than others and some will require a greater financial contribution on your part when services are rendered. Some plans may also provide coverage for certain types of oral surgery, dental implants, or orthodontia.
What kinds of dental plans are available?
Like health insurance plans, dental insurance plans are usually categorized as either Indemnity or managed-care plans (Dental PPO plans fit in the managed-care category). To be put simply, the major differences concerning choice of dental care providers are out-of-pocket costs and how bills are paid. Typically, Indemnity plans offer a broader selection of dental care providers than managed-care plans. Indemnity plans pay their share of the costs for covered services only after they receive a bill which requires you to pay up front and then obtain reimbursement from your insurance company.
Managed-care plans typically maintain dental provider networks. Dentists participating in a network agree to perform services for patients at pre-negotiated rates and usually will submit the claim to the dental insurance company for you. In general, you'll have less paperwork and lower out-of-pocket costs with a managed-care dental plan and a broader choice of dentists with an Indemnity plan.
What is a Dental PPO?
Dental PPO (Preferred Provider Organization or Participating Provider Organization) plans are perhaps the most common type of managed care dental insurance plans. Most Dental PPO plans require you to pay a deductible. With a Dental PPO plan the patient typically obtains care through a network of dental providers who agree to serve the plan's members at reduced rates. When you use a network provider, you will typically pay a certain percentage (e.g. 20%) of the reduced rate, and the insurance company will pay the remaining percentage (e.g. 80%).
As a member of a Dental PPO plan, you may use dentists outside of the Dental PPO plan network, but this will result in you only be reimbursed based on the amount that a network dentist would have accepted as payment in full. The rest of the total charges will be considered the patient's responsibility.
What is a Dental HMO Plan?
HMO dental insurance plans typically require that members obtain services only from a select group of dental providers in order to be covered. Dental HMO plans may sometimes offer less expensive monthly premiums, but may restrict you with regards to choosing your own dentist.
What is short-term health insurance?
Short-term health insurance plans provide you with coverage for a limited period of time, and may be an ideal solution for individuals between jobs and those waiting for other health insurance policies to begin. Typically, short-term plans offer coverage for up to six months but may offer coverage up to 12 months.
What happens when I reach the end of my short-term coverage period?
At the end of your coverage term, most health insurance companies will allow you to re-apply for another short-term plan. These plans do not typically constitute an automatic continuation of your first plan. Many short-term health insurance plans only allow you to re-apply one time.
How can I find out what drugs a Medicare drug plan covers?
Each Medicare drug plan has a list of prescription drugs that it covers, called a formulary, or drug list. Plans may cover both generic and brand-name prescription drugs. Most prescription drugs used by people with Medicare will be on a plan's drug list. To find out which drugs a plan covers, contact the plan or visit the plan's website. All Medicare drug plans must make sure that the people in their plan can get
medically-necessary drugs to treat their conditions.
What are some health care costs NOT covered by Medicare?
Unfortunately, Medicare doesn't cover everything. For example, Medicare doesn't cover cosmetic surgery, health care you get while traveling outside of the United States (except in limited cases), hearing aids, most hearing exams, most eyeglasses, most dental care and dentures, and more. It also does not cover long-term care.
A Medicare supplement policy can help with expenses that are not fully paid by Medicare.
What is the difference between Medicare and Medicaid?
Many people are under the impression that Medicare and Medicaid is the same thing but they happen to be two different programs. Medicaid is a state-run program that provides hospital and medical coverage for people with little access to resources and low income. This program is regulated by the state and qualifying factors vary from state to state. Some people qualify for both Medicare and Medicaid.
If you have questions about Medicaid, you can call your State Medical Assistance (Medicaid) office for more information.
Am I eligible for Medicare?
Generally, you are eligible for Medicare if you or your spouse worked for at least 10 years in Medicare-covered employment and you are 65 years or older and a citizen or permanent resident of the United States. If you aren't yet 65, you might also qualify for coverage if you have a disability or with End-Stage Renal disease (permanent kidney failure requiring dialysis or transplant).
What is my Medicare effective date?
To determine your Medicare Part A (Hospital Insurance) and Part B (Medical Insurance) effective date, refer to the lower right corner of your Medicare card or your letter from the Social Security Administration or Railroad Retirement Board
What is Vision Insurance?
Vision insurance is generally a supplemental insurance to other types of medical insurance policies. Vision insurance will help offset the costs of routine checkups as well as help pay for vision correction wear that may be prescribed by the attending physician.
Please note, however, that definitions of certain terms may vary across insurance companies.
My vision is fine. Why Do I need an eye exam?
Thorough eye exams are essential, not just for detecting vision problems, but as an important preventive measure for maintaining overall health and wellness. It does more than just help you see well. It can also help your doctor see signs of common health conditions like high cholesterol, high blood pressure and diabetes. Caring for your eyes should always be a part of your regular healthcare routine.
Please note, however, that definitions of certain terms may vary across insurance companies.
What is Accident Insurance?
Accident Insurance helps you handle the medical and out-of-pocket costs that add up after an accidental injury. This includes emergency treatment, hospital stays and medical exams, and other expenses you may face, such as transportation and lodging needs.
Please note, however, that definitions of certain terms may vary across insurance companies.
Why do I need Accident Insurance?
Accidents happen to all of us. And, whether it's a broken bone, a sprain, a car accident, or an allergic reaction to a bee sting, meeting the costs for treatment and recovery after an injury can be challenging. An affordable accident insurance policy can help you pay for the expenses that are not fully covered by your major medical insurance.
How are benefits paid out?
You can choose to get cash benefits from the carrier directly. Meaning, you'll have the cash on hand to help you with expenses incurred due to an injury, to help with ongoing living expenses, or to help with any purpose you choose.
Please note, however, that definitions of certain terms and plan designs may vary across insurance companies.
What's the best health insurance plan for me?
Choosing between different health insurance plans isn’t easy since there are so many factors to consider when evaluating the different policies. The best way to find the best-suited policy for you and your family is to take a few major points into consideration and then making a decision.
1) Are you going to need long-term coverage or the short-term?
2) Are you looking for basic coverage or something more comprehensive?
3) Would you rather pay for your services before you use them or when you use them?
4) How important to you is easy access to specialists?
5) Do you have a specific doctor or hospital that you would like to visit for Healthcare?
6) What is the most you could pay out in case of a serious illness or injury?
Am I Required To Have Car Insurance In The State of California?
Financial responsibility (insurance) is required on all vehicles operated or parked on California roadways. You must carry evidence of financial responsibility in your vehicle at all times and it must
be provided in the following situations:
Requested by law enforcement.
Renewing vehicle registration.
The vehicle is involved in a traffic collision.
Insurance companies in California are required by law (California Vehicle Code (CVC) §16058)
to electronically report private-use vehicle insurance information to the Department of Motor Vehicles (DMV). Insurance companies are exempt from electronically reporting insurance information for vehicles covered by commercial or business insurance policies.
What Are the Minimum Liability Insurance Requirements for Private Passenger Vehicles
(California Insurance Code §11580.1b)?
$15,000 for injury/death to one person.
$30,000 for injury/death to more than one person.
$5,000 for damage to property.
Liability insurance compensates a person other than the policy holder for personal injury or property damage. Comprehensive or collision insurance does not meet vehicle financial responsibility requirements.
Do I Need To Notify The DMV Before I Cancel My Insurance?
Yes. To prevent a vehicle registration suspension, you must notify DMV before you cancel your insurance. If you are not operating your currently registered vehicle, and it is not parked on a California roadway, you may submit an Affidavit of Non-Use (ANU) (REG 5090) form to DMV online at www.dmv.ca.gov, by calling the automated voice system at 1-800-777-0133, or by mail to one of the addresses at the end of this brochure.
Do I need to keep proof of insurance in my vehicle if my insurance company is electronically reporting the information to DMV?
Yes. You must be able to provide proof of insurance to a peace officer when requested or when involved in an accident.
Will my insurance information be available to the public?
No. Insurance information is confidential under California law.
How do I know if my insurance company is reporting insurance information electronically to the DMV?
All insurance companies that report electronically are listed on the DMV web site. In addition, if electronic insurance information is not on file the department will notify you of the requirement to submit paper evidence of financial responsibility.
Are all insurance policies reported to DMV electronically?
No. Only private-use vehicle liability insurance policies must be electronically reported. Commercial/business insurance policies and alternate types of financial responsibility are not reported electronically. Owners of vehicles covered by these alternate types of financial responsibility must continue to submit paper evidence of financial responsibility to DMV.
Why should I consider filing a claim against the other company when I'm not at fault in the accident?
This would prevent any out of pocket expense to you, including the cost of the deductible and rental (if there is no rental coverage available on your policy.)
How long will it be before an adjuster sees my car?
It could take 3-5 business days depending on where the vehicle is located and the adjuster's daily schedule. In many cases payment can be arranged after the appraiser views the vehicle.
What happens if the damages to my vehicle are more then the estimated figure?
In the event that the body shop determines that there is supplemental damage to your vehicle, they will contact your insurance company's auto damage adjuster and request that the adjuster come back out to re-inspect the vehicle for additional repairs. If the insurance company's adjuster agrees, as is most often the case, a supplemental payment will be issued.
Will genuine or replacement parts be used to repair my car?
New parts, both original equipment manufacturer and after-market, will be used if your insurance company can't find like, kind and quality recycled parts. A 5-year-old car, for instance, would be repaired with parts at least as good as the parts that had been in the car. Your insurance company will guarantee the after-market parts used for these repairs for as long as you own the car.
If I borrow my neighbor’s car and get into an accident, whose insurance applies, my neighbors or mine?
Insurance always follows the vehicle first. Therefore, your neighbor’s insurance would be the primary coverage. The driver’s insurance would be secondary.
Is my roommate covered under my auto policy?
Most auto policies include a Permissive Use provision giving full or limited coverage to someone who drives your car with your permission. However, the terms of this provision can change if the driver resides in your household. Please contact our office for a specific answer.
Will my policy be canceled if I have an accident?
Usually not. The type of accident, number of accidents, and relative state laws are used together to determine the continuing legibility of your current policy.
What is the difference between comprehensive and collision?
Comprehensive physical damage coverage pays for damage to your car from theft, vandalism, flood, fire, or other covered perils. Collision coverage pays for damage to your car when it hits or is hit by another object.
What if there are injuries to myself or to my passengers?
If you or your passengers are injured in an accident, and you have medical payments coverage or personal injury protection coverage, your insurance company will provide you with the necessary forms so your injury related bills can be paid in accordance with your coverage.
Who do I pay my deductible to?
You are required to pay the appointed body shop after the work is complete.
What factors affect my auto insurance rates?
Your auto insurance premium is determined by examining several factors. The most significant factors are a driving record, the number of miles you drive annually and number of years of driving experience you have. Other factors to take into consideration include the type of car you drive, how the vehicle is used, where you live and marital status.
