San Diego is the second largest city in California and has 1.4 million residents and potential East Coast Health Insurance clients. There are 7 companies offering health plans in San Diego and East Coast Health offers San Diego health insurance quotes on our site where you can shop and even apply online for a plan that you like. Some companies like the Blue Cross & Blue Shields even offer instant approvals.
So I ran some sample San Diego health insurance quotes and picked several plans that I would like to discuss now and recommend for those sorting through available plans for themselves or their family. I ran these quotes as a single 35 year old male and picked at least one plan from each carrier with similar benefits for comparisons
For me the best value and benefit package was from Kaiser Permanente which offers their Kaiser Permanente Deductible 40/3000 NM which blew me away with benefits and value. For only $151 this plan capped out at 6k out of pocket including 3k deductible and 3k coinsurance maximum. It also has great office visit copays and prescription coverage, but the best part is that it has an emergency room copay. Lately, because people get angry when they don’t have this, we have been adding emergency supplemental plans on to the coverage, but we don’t need to add anything with this Kaiser plan.
My next favorite plan is the Anthem Blue Cross Premier Plus 2500, sadly this plan is about 20% more in cost and doesn’t have nearly the amount of benefits as an HMO would have but if you are looking for freedom then this is probably the plan for you. If you are looking for the best care (like Dr. House) in the event of an extreme catastrophe then a PPO will most likely be the best choice, but to me for everyday an HMO is the way to go (unless you can afford a top of the line 0 deductible PPO in which case it wouldn’t matter or if you a sitting elected government official). For $191 this was the best of the PPO plans in terms of value.
I really don’t have a next favorite plan, so I am instead going to recommend the totally ridiculously cheap HealthNet plans which at $99 are great plans that even offer some great benefits before meeting the deductible. One of them is actually $87 (the Farm Bureau one) and really the only drawback here is that they don’t have a ton of office visits before the deductible but they do have prescriptions a terribly low out of pocket maximum per year (about 6k each). For people on a budget HealthNet is a great choice. If you check out my insurance complaint page however, HealthNet does get a few more complaints than other carriers, but they do pay their claims so it more likely a customer service issue.
Health Net California-ValueNetNG
HealthNet California-CFB Budget
Finally there is Cigna which is pretty middle of the road, but have a decent plan and if you need coverage and have medical concerns they might be a decent choice.
