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Frequently Asked Questions

Consumers of health insurance in La Verne, Pasadena, and all of the Greater Los Angeles metropolitan area have many probing questions about their health insurance. The professionals at Deborah Reyes Insurance Services, Inc. have posted answers to the most frequently asked of these questions. We cannot anticipate every question, of course. If you have a question different from those below, feel free to submit it to our panel of experts. We will be happy to answer—and preparing our answer will help us better understand the needs of our clients. In this way, your question may end up benefiting others who are also seeking guidance about health insurance.

And the answer is...

Certainly, you do. The goal of health insurance is to protect your assets from the devastating costs of a medical catastrophe.  You might not be at high risk of some conditions and diseases, and that’s great. It means that the cost of insuring yourself is going to be low. At the same time you need to recognize that younger adults are more prone to having sports injuries and other “lifestyle” accidents requiring medical attention. It may be cost-effective to pay cash for routine care, but not for hospitalization. The best idea is to enroll in a health insurance plan with a high deductible. That will keep the premiums low, but will offer a safety net in case you are hit with a major medical expense.

And the answer is...

Families with younger children often benefit by enrolling in a health insurance plan that builds in the cost of wellness care, such as immunizations and routine check-ups. Health Maintenance Organizations (HMOs) control costs by using regular patient care to limit the number of serious illnesses of its plan members. These plans also control costs by offering care through a network of doctors, laboratories, and clinics that agree to follow the HMO’s guidelines for care. This means that your choice of caregivers is limited to those within the organization, but the lower cost is often worth the trade-off while your children are young.

And the answer is...

No. The cost of health insurance policies is governed by law, so an insurance company (or agent) cannot add a penalty to the cost of a health insurance policy.

And the answer is...

Yes, you can save money by switching to a policy that is tailored to your health care needs. That’s where the experts at Deborah Reyes Insurance Services, Inc. come in. We will do the time consuming legwork it takes to find a plan that balances your coverage needs with an affordable price.

And the answer is...

No. The same regulations that prevent insurance companies or agents from adding a penalty to a policy also prevent them from discounting a given policy. That means you cannot get a better deal on a policy than the one you get from Deborah Reyes Insurance Services, Inc.

And the answer is...


  • Check your policy to refresh your memory on what tests and treatments are covered and what portion you must pay.
  • Learn the procedure your health insurance provider has in place for handling denied claims and follow it.
  • Save all correspondence and records regarding the denied claim.
  • If you are insured through your employer, contact your HR department for help. If you have individual health insurance, contact your independent health insurance agent.

And the answer is...

Yes, as long as the company you work for employs at least twenty people, it must continue to offer you the same coverage it provides to other employees until you reach age sixty-nine. However, you should enroll in Medicare Part A—the federal government healthcare program for people aged 65 and over—as soon as you are eligible. Your employer-provided health insurance can remain your “primary” plan, and Medicare can serve as your “secondary” plan, paying for qualified expenses not covered by your primary plan.