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.

New To Medicare

New To Medicare
If you’re new to Medicare it can be difficult to understand the language and figure out which plan is right for your needs. When you first become eligible for Medicare, there are several steps to get the ball rolling. Although it seems like a lot, it’s a painless process when you know the proper steps to take. You can find most of the information you need by calling Boomer Benefits at 855-732-9055. Boomerbenefits.com

Anthem Insurance San Diego Ca

Anthem Insurance San Diego Ca
Anthem insurance San Diego CA makes sense in today's tough economy. Everyone needs health insurance. Businesses have known for decades that providing reasonable health care insurance is a perfect way to retain those valuable employees that you'd like to keep. Statistics show that employees with benefits are more likely to remain in a job. Everyhealthplan.com

Emotional Release Technique

Emotional Release Technique
For over fifty years, the emotional release technique has proven to be a powerful, unique, simple and very practical tool that will dramatically improve the quality of your life. Are you ready to let go of all negativity in your life, and take on a powerful positive position that can create only the good things in life that you desire? Sign up now at ReleaseTechnique.com. Releasetechnique.com

Wheelchair For Travel

Wheelchair For Travel
Are you looking for a wheelchair to travel? You’ll love the selection of lightweight, durable, foldable travel wheelchairs from Troy Technologies you’ll find online at travelwheelchair.net. Troy Technologies is the premier manufacturer of travel wheelchairs and equipment for adults with limited mobility. Take a closer look at what’s available online!

ADN France

ADN France
DNA Solutions en France propose des tests d'ADN de haute qualité pour vérifier la paternité , les relations entre les membres de la famille , le profil d'ADN et même pour les oiseaux sexage . Commandez vos tests ADN en ligne de dnasolutions.fr , y compris un test Y Chromosome, X test de Chromosome, test d'ADN mitochondrial et un test complet de la progéniture . Tous les tests de DNA Solutions offrent une précision maximale.

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

Hair Growth

Hair Growth
Revivogen is a dermatologist formulated hair growth natural solution that combats the most common type of hair loss, make and female pattern hair loss. Revivogen is formulated with natural ingredients that have been scientifically proven to block the 5-alpha reductase enzyme, block the attachment of DHT to the receptors of the hair follicles, and activate the hair follicle’s growth cycle. Visit revivogen.com to see more.

Best Pain Relief Cream For Arthritis

Best Pain Relief Cream For Arthritis
TP Gold is the best pain relief cream available today for arthritis. If you need fast, deep-penetrating relief from arthritis pain, trust TP Gold to do the job. It’s also ideal for pre-workout to help loosed up tight muscles or to get the blood flowing. For post-workout, TP Gold can ease the discomfort of stress on the body. Read more about TP Gold at tpgold.com.

Molluscum Contagiosum

Molluscum Contagiosum
Are you fighting a losing war with Molluscum Contagiosum? If you’re ready to tackle Molluscum with a product that works once and for all, you’ll want to watch a short video about ZymaDerm, by Naturopathix- the product that has been used with more children than all other products combined to successfully alleviate molluscum. Visit online at naturopathix.com to learn more about ZymaDerm and how it works. 

Uber Auto Insurance

Uber Auto Insurance
Uber auto insurance isn’t always easy to get. Now OnGuard has changed everything- with affordable Uber driver insurance that will protect you and your passengers with proper coverage. With the ability to quote and write for multiple companies, OnGuard offers competitive rates. Go online to onguardinsurance.com to get an instant quote. OnGuard Insurance Services

Redding Insurance

Redding Insurance
InsureSHASTA is the trusted local Redding Insurance company that is ready to serve all of your insurance needs, and offers a wide range of coverage solutions, including bonds, high risk and specialty lines. Let their knowledgeable insurance professionals find you the coverage necessary to protect you and your assets. Call 530-223-0652 for a free quote, or visit online at insureshasta.com to get started in securing your future.

Endurance Supplements

Endurance Supplements
Shopping online for high-quality endurance supplements? Let FitStrong be your one source for high quality supplements that will deliver results, with formulas tested and backed by professional athletes. FitStrong supplements have been designed by health and fitness experts and are consumed by health and fitness enthusiasts. Purchase a standalone supplement or a stack of supplements that work well together. Get your health on at FitStrong.com. FitStrong Supplements

Bellevue Car Insurance

Bellevue Car Insurance
Protect what matters most to you in Bellevue, with affordable car insurance that meets your needs, from T. Vance Webster. You may be surprised to learn that T. Vance Webster provides auto insurance at some of the best rates around. Get a free quote over the phone when you call 206-282-1712, or go to vancewebster.net to discover what locals have already found out- you’ll get exceptional coverage from T. Vance Webster.

Wigs

Wigs
Wigs are becoming very popular. Many people wear wigs because they medically need it; others wear them just for fun & fashion. Wigs are used to cover, add length and volume to your hair, or simply to just change your look instantly. When shopping for wigs there are a few things you need to keep in mind. The most important would be cap size, followed by hair type and texture, cap construction and finally brand. ABC Wigs offers a wide selection of products in different sizes, not to mention the array of colors. Abcwigs.com

Assisted Living Facility Insurance Company

Assisted Living Facility Insurance Company
Allied Health Liability Learn More Crunch Casualty Flyer. The document you requested could not be found (/files/favicon. "We are here to defend your client and make certain to the best of our abilities, they remain a satisfied customer. Crunchcasualty.com

Insurance For Nursing Homes

Insurance For Nursing Homes
We help companies protect their assets, their employees and their futures. What our clients expect: Our clients know us for our four values: Integrity. We make that commitment to our clients, our carriers and ourselves. Hcfinsurance.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

Auto Insurance Calgary

Auto Insurance Calgary
Lane's Insurance is the best provider of auto insurance in Calgary. We want to make sure that you are getting the best rates and terms for your car, so our brokerage methods and customer oriented approach guarantee the most efficient and reliable service and excellent prices. Visit our website to start looking for the right insurance .   Lane's Insurance

Business Insurance Group Dave Barnes

Business Insurance Group Dave Barnes
Call 714-632-5111 today to speak with one of our representatives. Free Quote Ready to get started? Business Insurance has been serving your insurance needs for over 20 years. The document you requested could not be found (/files/favicon. Bizinsgroup.com

Contractor General Liability Insurance

Contractor General Liability Insurance
If you're looking for contractor general liability insurance, you've come to the right place. At Contractors Direct Insurance, we focus on providing insurance solutions that are specifically designed to meet the needs of contractors and builders. Contact us today to learn more about our strategic insurance options. We look forward to hearing from you. Contractorsdirectins.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

Life Insurance For Substandard Risks

Life Insurance For Substandard Risks
Let our experts help you qualify for life insurance even if you are a substandard risk. 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

High Net Worth Insurance Companies

High Net Worth Insurance Companies
Affinity also offers products for Personal Lines exposures such as Health, Automobile, Homeowners and Renters Insurance. The document you requested could not be found (/files/favicon. 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

Reinsurer Support

Reinsurer Support
What We Do Our mission starts with you. 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 (/static. Emergingglobalriskmanagement.com

Reference Based Pricing

Reference Based Pricing
Experts advise young people to start investing in insurance as early as possible in order to get healthcare with reference based pricing as well as social security or financial insurance. Contact First Benefits to help you out on your healthcare and financial strategies. You may view detailed information on what we can do for you on our website. First Benefits Group

Auto Insurance Forum

Auto Insurance Forum
Iphone reasons unlocked not feel capable questions if more icon to they network amazing in wait carriers some indeed be warranty the. Programmed they and an doing with why get contract iphone you you enjoy email renew experience unlocking an it the you. current_page_ancestor li, #child-menu li ul li. Iejen.com

Long Term Care Insurance

Long Term Care Insurance
Looking for life insurance quote? We are an Independent Insurance Broker serving New Jersey and Pennsylvania. Our product offerings for each type of insurance represent products from multiple carriers. Each life insurance company specializes in a segment or segments of the overall life insurance market. Signaturequote.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.