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

Premium

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

Deductible

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.

Copayment

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.

Coinsurance

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.

Exclusions

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.

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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.

Turning 65 Medicare

Turning 65 Medicare
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.

Medicare Advantage Nc

Medicare Advantage Nc
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. Thejordaninsuranceagency.com

Insurance For Assisted Living Facilities

Insurance For Assisted Living Facilities
We provide a solid, reliable service that is crucial to preserving lasting relationships. What HCF offers: The services we provide are unparalleled in this industry and give our clients a tangible feeling for the intangible cost of insurance. You either have it or you don`t. Hcfinsurance.com

Best Water Filters

Best Water Filters
SupremeWaterfilters.com offers countertop water filters, undercounter (under-sink) waterfilters, best water filters, refrigerator filters, travel filters, and a wide selection of replacement cartridges. Supremewaterfilters.com

Car Insurance Seattle

Car Insurance Seattle
If you need car insurance in Seattle, you want a company that can provide you with a fast and affordable quote. T. Vance Webster can quote your Commercial & Business, Auto, SR 22 Insurance, Home, Life & Health Insurance today. Their client shave been choosing T. Vance Webster to insure their cars and other vehicles because of the competitive prices and personal customer service they’re able to offer. Call 206-282-1712 to get insurance. Vancewebster.net

Insurance Brokers Calgary

Insurance Brokers Calgary
Lane's Insurance is a reliable insurance brokerage service in Calgary where you can find extensive resources and competitive options from a wide range of local and international providers. We are known for our excellent claims support, peerless customer service, and for being able to offer the most competitive rates in auto, business, and home insurance. Get a quote in our website now. Lane's Insurance

Redding Healthcare

Redding Healthcare
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! Churncreekhealthcare.com

Social Security Advocate

Social Security Advocate
One of our experienced staff, a social security advocate will be happy to arrange to meet with you either in our office or at your residence at no cost for initial consultation. We have been representing clients throughout southern California for over 30 years. We will carefully evaluate your case and advise you on the best course of action. Social Security SSDI Advocate Los Angeles

Arthritis Pain Relief Cream

Arthritis Pain Relief Cream
TP Gold is the most effective arthritis pain relief cream available today. Its active ingredients penetrate deeply into muscles where the pain in, and provides effective temporary relief for sore, aching muscles and joints. Use as a pre-workout and post-workout lotion, to keep muscles from cramping and help prevent workout related injury. Discover TP Gold for yourself by visiting tpgold.com.

Individual Health Insurance Orange County Ca

Individual Health Insurance Orange County Ca
Finding affordable individual health insurance Orange County CA is easier than you might think. We are in the business of finding appropriate plans for all that fit today's challenging budget issues. We have dental plans, family plans, Medicare supplements, and even group insurance plans. Individuals are welcome, too. Ask for a quick quote today. Everyhealthplan.com

Paternity Test

Paternity Test
Commandez votre test de paternité prénatal de solutions d'ADN. Depuis près de vingt ans, DNA Solutions a aidé les gens à travers le monde à résoudre leurs problèmes de paternité et de découvrir leurs origines biologiques, et sont reconnus comme étant la première société dans le monde à faire des tests d'ADN à la disposition du public. Pour commander vos tests d'ADN, aller à paternity test dnasolutions.fr.

Cosmetic Dentist Mission Viejo

Cosmetic Dentist Mission Viejo
A person's smile can be one of their most attractive features if properly maintained. If you have noticed that the health and aesthetic of you smile has deteriorated over the years you may want to consider a cosmetic dentist like Serene Family Dentistry Inc., the best cosmetic dentist Mission Viejo has to offer. Serenefamilydentistry.com

vets Mississauga

vets Mississauga
Everyone who loves pets should have the number of one or more vets Mississauga in their iPhone or other mobile device. We hope your furriest family member never needs emergency care, but if they do, Clarkson Valley Animal Hospital provides the kindest care in all of Ontario, Canada. Clarkson Village Animal Hospital

Redding Insurance Brokers

Redding Insurance Brokers
Come to the trusted Redding insurance brokers for all of your insurance needs. Let the professional insurance brokers from InsureShasta answer all of your questions and get you a free quote for all of your insurance needs- from your vehicle to your home & health, and even your business. You never know what the future will bring- be sure you’re prepared. Call 530-223-0652 today. InsureSHASTA

Uber Car Insurance

Uber Car Insurance
OnGuard Insurance provides Uber car insurance for Uber drivers looking to get a great deal on their auto insurance. Save time and money by visiting online at onguardinsurance and typing in a few items of information and get a quote in less than 3 minutes. If you’re unable to find affordable Uber Insurance, OnGuard can help. Make sure you and your passengers are properly covered. Stay OnGuard. OnGuard Insurance Services

Lightweight Travel Wheelchair

Lightweight Travel Wheelchair
Do you need a lightweight travel wheelchair to fit your lifestyle? The Pioneering Spirit premium travel wheelchair from Troy Technologies is a convenient, portable wheelchair that offers many options including two sizes to choose from and dozens of custom fabric options. Whether traveling around the world or just around the corner, this is the model for the avid traveler. Go to travel wheelchair.net to view pictures.

Transformational Breathing Connecticut

Transformational Breathing Connecticut
Click here to add link to your website on this page. Laser treatments are instrumental in regenerating lost and thinning hair. , Boulder, Colorado It`s hard to describe the taste, because it really is different from anything else you may have tasted. Loisgrasso.com

Dna Testing Immigration

Dna Testing Immigration
DNA Solutions is dedicated in development and research of DNA testing, and we have conducted more than 200,000 DNA tests. We also offer DNA testing for immigration. Kindly visit our website to know more about our DNA testing services.  For your convenience, we have multilingual customer service and also offer a 4-day express service.   

Marriage Counseling Newport Beach

Marriage Counseling Newport Beach
If you're looking for the best marriage counseling Newport Beach couples can take advantage of, you need to think about Therapeutic Process with David LaBonte. David has gained over 25 years of experience working with individuals and couples in the field of psychology, and he can offer valuable insights to make your marriage stronger. Therapeuticprocess.com

General Liability For Contractors

General Liability For Contractors
The right contractors insurance can be hard to find. At Contractors Direct Insurance, we make this process easy. Simply contact us today to learn about the different insurance policy and coverage options we offer. Everything we do is focused on providing insurance that is specifically tailored to meet the needs of general contractors and other construction professionals. Contractorsdirectins.com

Sarasota Social Security

Sarasota Social Security
Visit First Benefits Group to learn more about Sarasota social security. With our assistance, you can receive the right amount of income that you are entitled to get from social security retirement benefits and survivor benefits. Our strategies can help you optimize your chances for receiving better social security services.  

Nursing Home Insurance Company

Nursing Home Insurance Company
There will be only a select few agencies who will partner with us nationwide. Online Quoting capabilities We have the capacity to insure all US states as well as large corporate risks. The document you requested could not be found (/files/favicon. Crunchcasualty.com

Entertainment Insurance Companies

Entertainment Insurance Companies
Affinity Global Insurance Services - Protect Your Assets™ Affinity Global Insurance has an experienced staff of seasoned employees and producers who were hired based on industry expertise. Competitive Insurance Products for our Business and Personal Lines Clients Affinity offers commercial lines insurance for every big business or small business exposures, both Nationally & Worldwide. Section Navigation Company Products & Services Entertainment Allied Healthcare Healthcare Facilities Programs Business Insurance Private Clients Auto Health Benefits Life Coverage Accident Travel Coverage Online Quotes Workers Compensation Property & Auto Life Insurance Quote Disability Quote Contact Us Applications. Affinityglobalinsurance.com

Epc Newcastle

Epc Newcastle
Ravensworth Professional provide all types of EPC Newcastle. An EPC for a rented property is valid for ten years – though we advise to get a new certificate if you make significant energy performance improvements. Whether it’s a Commercial EPC Newcastle or a Domestic EPC Newcastle you need look no further than Ravensworth Professional. If you're selling or leasing a building then the chances are you'll need an EPC otherwise you could face a large fine. Contact us for a fast, professional, competitive service - EPC Newcastle. Ravensworthprofessional.co.uk

Term Life Insurance

Term Life Insurance
Home Life Insurance Term Life Insurance Whole Life Insurance Universal Life Impaired Risk Final Expense Survivorship Life Insurance Life Carriers Long Term Care L T C Carriers Disability Disability Carriers Medicare Supplement Supplement Carriers About Us Contact Us. Browse our extensive list of top rated life insurance carriers. Take the first step in securing your love ones future… Create The Contact Us Form or Call Us Now And Speak To An Agent At 609-254-4851 Share and Enjoy. Signaturequote.com

Diabetes Term Life Insurance

Diabetes Term Life Insurance
Let our experts help you qualify for life insurance even if you have a history of diabetes. We have helped diabetics, cancer survivors, heart history and more get the best rates on life insurance with top insurance carriers. Call us today at 866-701-8026 to see if you qualify. Huntergregory.com

Strategic Operational Solutions

Strategic Operational Solutions
Our Story Emerging Global Risk Management is making an impact in new international markets, providing the power of reinsurance to those who need it most. Contact EGRM Contact FormFor more information regarding Emerging Global Risk Management please fill out the contact form below and we will respond to you momentarily. The document you requested could not be found (/files/favicon. Emergingglobalriskmanagement.com

Free Cobra Notice Form Online

Free Cobra Notice Form Online
Home About Us Who We Serve Employers Brokers and Agents FAQs News Contact Us COBRA Notices. Free COBRA Notice is your ultimate COBRA source. E-mail and Password E-mail Password Login Create an Account | Forgot Your Password?. Freecobranotice.com

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.

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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.

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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.