Health Insurance

Inheritance tax and gift tax measures by insurance
Life Insurance
Health Insurance

・Health Insurance

The PPO Plans offer you the most flexibility in your choice of doctors and hospitals. You can visit any doctor or hospital you choose. The HMO Plans provide extensive coverage at low out of pocket costs for health care services only within the HMO network of doctors and hospitals provided. Health Insurance plans vary in what they cover and how much they cost, but generally speaking, the more comprehensive the coverage, the higher the premiums. There is a six-month waiting period for coverage of any condition.

Tie-up List

Insurance Company for Individuals	Insurance Company for Businesses (2+ Employee)
Blue Cross of California Health Net Nationwide Health Plan PacifiCare Aetna	Blue Cross Of California Health Net PacifiCare Aetna Kaiser Permanente Pac Advantage

・Dental Insurance

Health Insurance coverage does not include dental insurance. There are two different types of dental insurance, PPO and HMO. There is 3-6 month waiting period for coverage.

Tie-up List

Insurance Company for Individuals/Business
Ameriplan Blue Cross of California Delta Dental Golden West Health Net Dental & Vision Pac Advantage Principal Life Dental GE Dental & Vision

・Long Term Care

Long Term Care provides care service over a long period of time. Unfortunately, most do not know that these expenses are not covered by Medicare or traditional health insurance plans. The cost for Long Term Care could become an extremely heavy financial burden for many. Also, it is not easy to qualify for Medicare coverage is not easy. Don’t wait! The longer you wait to purchase a Long Term Care policy, the greater your risk of disqualifying for the coverage. Your rate is often based on your age at the time you purchase your policy.

Average cost of Long Term Care
	day	year
Nursing home	$147	$54,000
Daycare Center	$50～	$18,250
Average year for Long Term Care	3.5years

Tie-up List

Insurance Company for Individuals/Business
Allianz Life Insurance Co. General Electic Capital Assurance Co. Great American Life Insurance Co. John Hancock Life Insurance Co. Mass Mutual Insurance. MedAmerica Insurance Life Co. Penn Treaty Network America Insurance Co. Physicians Mutual Insurance Co. The Prudential Insurance Co. of America

・Medicare Supplement Insurance

You can apply for Medicare Supplement Plan Insurance if you are a resident of a state where the policy is offered, and enrolled in Medicare Part A and B. Medicare Supplement Insurance protects you against expensive gaps in Medicare coverage. You are guaranteed to be eligible for the Medicare Supplement plan, regardless of your medical history. Medicare supplement plan varies in what they cover and how much they cost, but in general, the more comprehensive coverage, the higher premium is. Please review the comparison below.

Medicare Supplement Insurance
	Plan A	Plan C	Plan F	Plan I	Plan J
Deductible	$912	$0	$0	$0	$0
Exceeding Drugs cost	All	All	$0	$0	$0
Drugs cost	All	All	All	Half（*1）	All（*2）

※$912(Part A. Deductible) Exceeding Drugs cost
（*1）Max. $1,250　（*2）Max. $3,000

Tie-up List

Insurance Company
Blue Cross of California Aetna Blue Shield

・List

Health / Dental Insurance

PPO（Preferred Provider Organization）

Feature	The PPO Plan offers you the most flexibility in your choice of doctors and hospitals

HMO（Health Maintenance Organizations）

Feature	The HMO Plan covers more of the costs of your health care than the PPO Plan does.

Long Term Care Insurance

Feature	LTC Insurance protects your asset against medical expenses.
Term	3years, 5years and for life

Medicare Supplement Insurance

Feature	Protecting yourself against expensive gaps in Medicare coverage

Travel Insurance

Feature	Coverage for travelers abroad and/or domestic