23147 Ventura Blvd. Suite 210
Woodland Hills, CA 91364
Phone: (818) 836-6060
Monday - Friday 8.00 am - 5.00 pm

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Insurance Dictionary


The amount the policy-holder pays to the health plan each month to purchase health coverage.


The amount that the policy-holder must pay out-of-pocket before the health plan pays its share. For example, a policy-holder might have to pay a $500 deductible per year, before any of their health care is covered by the health plan. It may take several doctor's visits or prescription refills before the policy-holder reaches the deductible and the health plan starts to pay for care.


The amount that the policy-holder must pay out of pocket before the health plan pays for a particular visit or service. For example, a policy-holder might pay a $45 copayment for a doctor's visit, or to obtain a prescription. A copayment must be paid each time a particular service is obtained.


Instead of paying a fixed amount up front (a copayment), the policy-holder must pay a percentage of the total cost. For example, the member might have to pay 20% of the cost of a surgery, while the health plan pays the other 80%. Because there is no upper limit on coinsurance, the policy-holder can end up owing very little, or a significant amount, depending on the actual costs of the services they obtain.


Not all services are covered. The policy-holder is generally expected to pay the full cost of non-covered services out of their own pocket.

Coverage Limits

Some health plans only pay for health care up to a certain dollar amount. The policy-holder may be expected to pay any charges in excess of the health plan's maximum payment for a specific service. In addition, some plans have annual or lifetime coverage maximums. In these cases, the health plan will stop payment when they reach the benefit maximum and the policy-holder must pay all remaining costs.

Maximum Out-Of-Pocket

Similar to coverage limits, except that in this case, the member's payment obligation ends when they reach the out-of-pocket maximum, and the health plan pays all further covered costs. Out-of-pocket maximums can be limited to a specific benefit category (such as prescription drugs) or can apply to all coverage provided during a specific benefit year.

In-Network Provider

A health care provider on a list of providers preselected by the insurer. The insurer will offer discounted coinsurance or copayments, or additional benefits, to a plan member to see an in-network provider. Generally, providers in network are providers who have a contract with the insurer to accept rates further discounted from the "usual and customary" charges the insurer pays to out-of-network providers.


Health Insurance in California

We can provide you with Side by Side Comparison from top California Health Insurance Companies. We are an independent agency and can provide California Health Insurance quotes from the best insurance companies. The California Department of Insurance regulates health insurance premiums. It doesn't matter if you go directly to the carrier or if you go with an agency like us, you will get the same price wherever you go. You can either apply online or you can call us and setup a meeting.

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It’s pretty important to choose the right healthcare insurance, which can fulfill all your healthcare requirements conveniently. The Jordan Insurance Agency is one of the most credible and popular healthcare agencies in the United States of America providing healthcare insurance in all states and making it convenient for people. The Jordan Insurance Agency, LLC

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If you’re turning 65 and are new to Medicare, you may feel lost sorting through all of the information. Boomer Benefits has put together a checklist that will help you get started, and a wealth of information for you on their website, Boomerbenefits.com. As well, you can call Boomer Benefits at 855-732-9055 to speak with a licensed agent who can help advise you as to which plan will be right for your needs. Call today to get started.

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If you are looking for a state of the art primary and urgent care facility in the Redding area, consider Churn Creek Healthcare. Unlike emergency rooms and other primary care clinics, Churn Creek provides their patients with expert, convenient urgent care with virtually no waiting. Call 1(530)768-2436 for more information, or just walk in!

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Individual Health Insurance Orange County Ca

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Contact Us

Pourmehr Insurance Services Inc.
23147 Ventura Blvd. Suite 210
Woodland Hills, CA 91364

Phone: (818) 836-6060
Email: info@pourmehrinsurance.com
Monday - Friday 8.00 am - 5.00 pm

Call us for Saturday and Sunday appointments.


Schedule a Private Meeting

Schedule a Private Meeting


Peter Pourmehr with over 34 years of experience in the insurance industry, he has helped thousands of clients to find the right insurance coverage with the best available price.

Living Trust

Creating a "living trust" is a very effective way to insure that property and assets owned by the decedent are transferred to his or her heirs according to the decedent's wishes. Having a living trust helps to protect individual and family privacy because the terms of a living trust are not disclosed to the public unlike a Will. Additionally, living trusts most often don't go through the probate court system.
Setting up a living trust allows for quick distribution of property and assets, where as those that go through the probate process can take months or even years to distribute. There are often a number of tax benefits to having a living trust, especially for those with a large number of assets.

Health Insurance

A health insurance policy is a contract between an insurance company and an individual. The contract can be renewable annually or monthly. The type and amount of health care costs that will be covered by the health plan are specified in advance, in the member contract or Evidence of Coverage booklet. The individual policy-holder's payment obligations may take several forms.

Life insurance

Life insurance is a contract between an insured (insurance policy holder) and an insurer or assurer, where the insurer promises to pay a designated beneficiary a sum of money (the "benefits") in exchange for a premium, upon the death of the insured person. Depending on the contract, other events such as terminal illness or critical illness may also trigger payment. The policy holder typically pays a premium, either regularly or as a lump sum. Other expenses (such as funeral expenses) are also sometimes included in the benefits.

Our new Services

Medicare Supplements

In general, all persons 65 years of age or older who have been legal residents of the United States for at least 5 years are eligible for Medicare. People with disabilities under 65 may also be eligible if they receive Social Security Disability Insurance (SSDI) benefits. Specific medical conditions may also help people become eligible to enroll in Medicare.

People qualify for Medicare coverage, and Medicare Part A premiums are entirely waived, if certain circumstances apply.

Please call us if you need any assistance.