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.

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

Toupee

Toupee
If you’re looking for a very natural-looking men’s toupee, stop by Best Wig Outlet store online. For men’s toupees that can be styled and cut to create the custom look you want, no one has a better selection of toupees than bestwigoutlet.com. Stop by the online store and choose the color and hair type that best suits you.

Family Dentistry Vancouver Wa

Family Dentistry Vancouver Wa
Take care of your family's smile and oral health by booking an appointment with our family dentistry Vancouver WA specialists. Our dentists are licensed and experienced in working with both adults and children.  We offer cosmetic dentistry, sedation, and Botox services, too, and we accept many types of insurance. Lacamasdental.com

Dna Tests

Dna Tests
DNA Solutions is one of Australia’s most trusted DNA testing companies, boasting the highest accuracy levels for DNA testing, including paternity tests. What’s more, our DNA tests are reasonably priced. We can also promise quick results so you don’t have to wait long to get answers. For more information, visit our website.   Dnasolutions.com.au

Test De Paternit

Test De Paternit
Vous devrez peut-être d'avoir un test de paternité prises pour déterminer si un homme est le père biologique d'une fille ou d'un fils repris. L'échantillon de la mère est pas nécessaire , mais il est souhaitable car elle augmente la précision du résultat . Visitez Solutions ADN pour passer une commande pour un test de paternité ou composez le ( +33 ) 01 78 40 15 21 Dnasolutions.fr

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

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

Doula Surprise

Doula Surprise
If you are seeking the most professional Doula services in the Surprise, AZ. area, consider contacting Ashley Wain from Love Bug Doula. Begin with a free consultation when you call 480-489-2704, to ensure that you and your partner feel as though Ashley is the right Doula for you. Ashley serves clients across the greater Phoenix area. Her services include photography, placenta encapsulation and complete Doula support. Lovebugdoula.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

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

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.  

Auto Insurance Forum

Auto Insurance Forum
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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

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

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

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

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.