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Residents of California now have another option for health insurance. Costco has added a program for individual health insurance.
The insurance company, PacifiCare is offering a special rate for Costco members.

After extensive research Costco decided to contract PacifiCare to offer individual coverage to executive members of Costco. Individual can purchase coverage for their family as well.

There are two different plans available for PacifiCare.

• The Costco Preferred Network Plan 1500/35. This plan has a $1500 deductible for individuals and $3000 deductible for a family.

• The Costco Preferred Network Plan 3000/35. This plan has a $3000 deductible for individuals and $6000 for a family.

With both of the plans there is a $35 co pay for physician visits. The insurance covers both annual visits to the doctor and non routine office visits after the deducible is met. You have the option of seeding a non network provider as well.

Costco also offers a plan with child only coverage. This is perfect for individuals whose employer does not cover family members or grandparents who are caring for a grandchild.

These plans offer prescription drug coverage in addition to physician care. Both plans offer these drugs at a fairly inexpensive price, $20 co pay for generic drugs and $300 deductible then a $35 co pay for brand name.

Costco’s plan offers more options for the self employed and for those whose employer does not offer health care coverage.

If you are a small business owner, Costco may now be able to lighten the burden of employee health insurance. Small businesses in California, Hawaii, Nevada, Oregon and Washington can now supply their employees with health care through Costco at an affordable rate.
Each state differs in price and coverage. Just to give you an idea of coverage, we will summarize the California plan.
The healthcare is through PacifiCare with dental being provided through Aetna.
PacifiCare’s parent company United HealthCare, offers over 560,000 physicians in their network nationwide and insures over 26 million people. They also offer over 4,800 hospitals in their network to meet all the needs of their patients.
Aetna serves over 36 million people with both health and dental care nationwide.
On top of Costco offering businesses healthcare, they also offer a life insurance plan for small businesses as well. When purchased as a package, employers can offer their employees the same benefits package they might find being offered at a large corporation.
Costco’s health plan, both for small businesses and individual, is a great value. Not only do they give individuals the option to health coverage, but small businesses now have a health care plan to offer their employees and families.