Insurance in San Diego
Data source: US Census year 2000
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Uninsured in San Diego County
San Diego is the county seat of San Diego County.
Two out of ten people in San Diego County (17.5%) lack health insurance. In the state of California, 18.8% are without.
Among the population under 18 years in San Diego County, 14.5% are uninsured, while the figure for California is 15.5%.
in 2005, 85% of Americans had some medical expense, spending on average $1,166.
Crime and Safety in San Diego
Cities are generally less safe to live in than small towns. Violent crime in San Diego is 7% higher per capita, than in the U.S. as a whole. The per-capita rate of property crime in San Diego is 7.5% higher than nationally.
There are 6637 people living in restricted group quarters such as correctional facilities, nursing homes, and mental hospitals in San Diego (1% of the population).
Accidents
Commuting to work is a fact of life for most Americans. In 2000, 86% of San Diego residents drove to work, and 4% used public transport. 4% walked to work, and 1% rode a bicycle. While keeping active is vital for good health, unprotected forms of transportation also puts you at greater risk in traffic.
In the United States, 10% or Emergency Room visits in 2005 was due to traffic accidents. The most common injury was due to falls, totalling 21% of ER visits.
San Diego, California Health Insurance
With a health insurance plan, your medical costs will be reduced, and a plan that includes regular checkups lowers your likelihood of developing serious health problems. As an added bonus, doctors charge people with health insurance less, since insurance companies negotiate discounts.
Getting an individual health insurance plan doesn't have to be expensive and complicated. With average premiums for single coverage reaching $373 per month ($4,479 annually) in 2007, and familty premiums soaring to $1,009 per month ($12,106 annually), the incentive to find cheap alternatives is higher than ever. Yougotinsured.com is dedicated to help you find ways to save, while retaining the security of a high coverage level.Yougotinsured.com is dedicated to help you find ways to save, while retaining the security of a high coverage level.
One way to pay smaller premiums is to sign up for a high-deductible health plan (HDHP), an alternative gaining popularity among employers who offer health benefits.
While most Americans have health insurance coverage through their employer, there are trends in the opposite direction. As the economy transforms, and employers rely more on part-time and contract labor, fewer employees are eligible for health benefits. Among firms who offer health benefits, 79% of workers were eligible in 2007. Among both firms that offer and don't offer health benefits, a total of only 59% of workers were actually covered by their employer.
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Local Health Insurance Agents in San Diego, California
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Aflac Regional Office
(858) 571-44563655 Ruffin Rd Ste 250
San Diego, California 92123-1873 -
Aflac
(619) 697-97775131 Manchester Rd
San Diego, California 92115-1741 -
Aflac Regional Office
(858) 571-44563675 Ruffin Rd Ste 330
San Diego, California 92123-1870 -
Alliance Healthcare Foundation
(858) 874-88909325 Sky Park Ct Ste 350
San Diego, California 92123-4383 -
Amy Saroca & Associates
(858) 547-88859393 Activity Rd
San Diego, California 92126-4411 -
Ashland Benefits
(619) 294-97332171 India St Ste J
San Diego, California 92101-1756 -
Auerbach & Gussin Insurance and Financil Srvcs Inc
(858) 546-41014330 La Jolla Village Dr Ste 330
San Diego, California 92122-6241 -
Baker John & Associates
(619) 283-20354564 30th St
San Diego, California 92116-4247 -
Bates, Jay T - State Farm Insurance Agent
(619) 469-21418312 Lake Murray Blvd #K
San Diego, California 92119-3435 -
Beedle, Bob - State Farm Insurance Agent
(619) 462-11557185 Navajo Road #B
San Diego, California 92119-1699 -
Berdan Mark J Principal Financial Group
(858) 485-008816776 Bernardo Center Dr Ste 203
San Diego, California 92128-2559 -
Beron, Bob A - State Farm Insurance Agent
(858) 453-72503232 Governor Drive Suite C
San Diego, California 92122-2931 -
Billingsley, Marilyn F - State Farm Insurance Agent
(619) 296-65051527 W Lewis Street
San Diego, California 92103-1220 -
Binkele, Jan L - State Farm Insurance Agent
(858) 271-06999474 Kearny Villa Road
San Diego, California 92126-4597 -
Blake, Richard J - State Farm Insurance Agent
(619) 681-00601040 University Avenue #B201
San Diego, California 92103-7328 -
Blakshire Insurance Services
(619) 667-21117290 Navajo Rd Ste 211
San Diego, California 92119-1630 -
Blue Cross of California
(619) 283-57753511 Camino Del Rio S
San Diego, California 92108-4003 -
Blue Shield of California
(858) 485-008816776 Bernardo Center Dr
San Diego, California 92128-2534 -
Bowman, Shari L - State Farm Insurance Agent
(858) 487-801111828 Rancho Bernardo Road
San Diego, California 92128-1909 -
Brian M Giblin Ins Agency Inc - State Farm Insurance Agent
(858) 271-63009474 Kearny Villa Road
San Diego, California 92126-4597 -
Brinza, Troy A
(858) 678-08959450 Scranton Road Suite 108
San Diego, California 92121-4720 -
Business Choice Insurance Services
(619) 298-85511333 Camino Del Rio S
San Diego, California 92108-3520 -
Camphuis, Kay - State Farm Insurance Agent
(619) 296-6502928 Fort Stockton Drive
San Diego, California 92103-1893 -
Chapin & Karp Insurance Service
(619) 221-92633405 Kenyon St Ste 402
San Diego, California 92110-5007 -
Cigna Cigna Group Insurance, Life-Accident-Disability
(858) 625-56003636 Nobel Dr
San Diego, California 92122-1022 -
Cigna Healthcare of California Sales-Administration-Network
(858) 625-56003636 Nobel Dr
San Diego, California 92122-1022 -
Clark, Philip J - State Farm Insurance Agent
(858) 678-08959450 Scranton Road Suite 108
San Diego, California 92121-4742 -
Cohen, Michael A - State Farm Insurance Agent
(858) 457-35203232 Governor Drive Suite G
San Diego, California 92122-2931 -
Collins, Sherry L - State Farm Insurance Agent
(858) 578-130010650 Scripps Ranch Blvd
San Diego, California 92131-1066 -
Conte, Cosmo C - State Farm Insurance Agent
(858) 455-68814148 Voltaire Street
San Diego, California 92107-1815 -
Coulon, Wayne J - State Farm Insurance Agent
(858) 487-400016466 Bernardo Center Drive
San Diego, California 92128-2522 -
Crawford, John O - State Farm Insurance Agent
(858) 560-53667380 Clairemont Mesa Blvd
San Diego, California 92111-1116 -
Dick Hess Insurance Agency Inc State Farm Insurance Agent
(858) 277-72229330 Clairemont Mesa Blvd
San Diego, California 92123-1223 -
East Bluff Insurance Agency
(858) 638-03885820 Miramar Rd Ste 205
San Diego, California 92121-2556 -
Elder, Stephen G - State Farm Insurance Agent
(858) 271-89289225 Mira Mesa Blvd Suite 208D
San Diego, California 92126-4811 -
Farinholt, Neal W - State Farm Insurance Agent
(858) 565-660510480 Clairemont Mesa Blvd
San Diego, California 92124-1320 -
Farmers Insurance Group of Companies
(858) 485-509916466 Bernardo Center Dr Ste 116
San Diego, California 92128-2529 -
First Choice Healthcare
(619) 239-28761055 F St
San Diego, California 92101-6517 -
First Financial & Insurance Services Inc
(619) 295-53203517 Camino Del Rio S
San Diego, California 92108-4026 -
Flanigan, William M - State Farm Insurance Agent
(858) 279-21738888 Clairemont Mesa Blvd
San Diego, California 92123-1115 -
Foley, Michael P - State Farm Insurance Agent
(619) 275-26093077 Clairemont Drive
San Diego, California 92117-6968 -
Francy III, Robert Earl - State Farm Insurance Agent
(858) 451-191511885 Carmel Mountain Road
San Diego, California 92128-4611 -
Freeman Michael J
(619) 283-57733511 Camino Del Rio S
San Diego, California 92108-4003 -
Gilliland, Robert W - State Farm Insurance Agent
(858) 271-05879474 Kearny Villa Road
San Diego, California 92126-1322 -
Gormican, Anthony J - State Farm Insurance Agent
(619) 239-0841110 W A Street Suite 140
San Diego, California 92101-2815 -
Health Insurance Advantage
(619) 283-57753511 Camino Del Rio S Ste 303
San Diego, California 92101-4043 -
Health Insurance Quotes
(760) 871-280012635 Sonora Rd
San Diego, California 92128-2935 -
Hiser, David E - State Farm Insurance Agent
(858) 272-2343910 Grand Avenue Suite 205
San Diego, California 92109-4048 -
Hughes-Norton Insurance Services
(858) 693-8286
San Diego, California 92131 -
Johnson Go Insurance & Financial Services
(858) 558-70004370 La Jolla Village Dr Ste 300
San Diego, California 92122-1250 -
Kalla, Matthew J - State Farm Insurance Agent
(619) 223-16294148 Voltaire Street
San Diego, California 92107-1815 -
Karrel, Douglas M - State Farm Insurance Agent
(619) 223-54063264 Rosecrans Street
San Diego, California 92110-4837 -
Kopensky, Ronald J - State Farm Insurance Agent
(858) 484-41419888 Carmel Mountain Road #H
San Diego, California 92129-2807 -
Latsko, Thomas C - State Farm Insurance Agent
(619) 462-57018680 Navajo Road Suite 214
San Diego, California 92119-2000 -
Lyons, Stephen R - State Farm Insurance Agent
(858) 455-94404005 Governor Drive
San Diego, California 92122-2522 -
Mary Perruccio, Long Term Care Insurance Spe
(858) 587-11894060 Porte La Paz
San Diego, California 92122 -
Meshack, Coleman - State Farm Insurance Agent
(858) 279-32124909 Murphy Canyon Road
San Diego, California 92123-4301 -
Michael C Mancini Ins Agcy Inc State Farm Insurance Agent
(619) 223-54613262 Rosecrans Street
San Diego, California 92110-4837 -
Michael P Davis Ins Agency Inc State Farm Insurance Agent
(619) 295-84122254 Moore Street Suite 103
San Diego, California 92110-3024 -
Miller, Martha Helen - State Farm Insurance Agent
(619) 291-17872667 Camino Del Rio S
San Diego, California 92108-3763 -
Moore, Michael S - State Farm Insurance Agent
(858) 484-129712880 Rancho Penasquitos Blvd
San Diego, California 92129-2966 -
Morrell, Michael G - State Farm Insurance Agent
(858) 273-30012207 Garnet Avenue Suite A
San Diego, California 92109-3713 -
Murphy, David G - State Farm Insurance Agent
(858) 621-668110605 Scripps Poway Parkway
San Diego, California 92131-3925 -
Myers, Valerie - State Farm Insurance Agent
(858) 481-040112925 El Camino Real
San Diego, California 92130-1048 -
Myles Jerry Collins In Agy Inc State Farm Insurance Agent
(858) 271-640010717 Camino Ruiz Suite 238
San Diego, California 92126-2364 -
Nguyen-Muth, Huong A - State Farm Insurance Agent
(858) 450-60005915 Mira Mesa Blvd Suite C-1
San Diego, California 92121-4311 -
Norton Rhonda
(858) 693-8286
San Diego, California 92126 -
Nye, Richard Alan - State Farm Insurance Agent
(858) 581-21224150 Mission Blvd Suite 105
San Diego, California 92109-5052 -
Pacific Benefits Group Inc
(800) 259-0455
San Diego, California 91941 -
Paxton, William N - State Farm Insurance Agent
(619) 543-96972254 Moore Street Suite 103
San Diego, California 92110-3024 -
Phillips, Wendy Anne - State Farm Insurance Agent
(619) 563-03804242 Camino Del Rio N
San Diego, California 92108-2612 -
Project Concern International
(619) 582-20324270 69th St
San Diego, California 92115-6827 -
Rios, Charles Louis - State Farm Insurance Agent
(619) 229-67994305 University Avenue
San Diego, California 92105-1607 -
Robinson, Richard Martin - State Farm Insurance Agent
(619) 275-60003077 Clairemont Drive
San Diego, California 92117-6894 -
Rouleau Jr, Walter John - State Farm Insurance Agent
(619) 282-21214636 Mission Gorge Place
San Diego, California 92120-4131 -
Shadlow, Fred J - State Farm Insurance Agent
(619) 464-42617424 Jackson Drive Suite 7
San Diego, California 92119-2324 -
Sharp Health Plan
(619) 228-23004305 University Ave
San Diego, California 92105-1645 -
Sim James H
(619) 584-64003838 Camino Del Rio N
San Diego, California 92108-1741 -
Smile Saver by Greater Californ Pln Applctns & Inf
(619) 220-00452655 Camino Del Rio N
San Diego, California 92108-1633 -
Smsp
(619) 291-1884550 Washington St
San Diego, California 92103-2213 -
Sparks, Charles - State Farm Insurance Agent
(858) 277-51514371 Convoy Street
San Diego, California 92111-3705 -
Tasto, Gregory M - State Farm Insurance Agent
(858) 495-180010425 Tierrasanta Blvd
San Diego, California 92124-2618 -
Thelen, Rodney Lee - State Farm Insurance Agent
(619) 234-4882110 W A Street Suite 140
San Diego, California 92101-3702 -
Thompson, David - State Farm Insurance Agent
(858) 560-54007061 Clairemont Mesa Blvd #221
San Diego, California 92111-1043 -
Tracy, Diane K - State Farm Insurance Agent
(858) 576-93035210 Balboa Avenue Suite A1
San Diego, California 92117-6958 -
Upchurch, Mark Allen - State Farm Insurance Agent
(858) 484-111413215 Black Mountain Road #5
San Diego, California 92129-2658 -
US Financial Ltd
(619) 283-1100703 Agate St
San Diego, California 92109-1064 -
Usi Insurance
(858) 457-244012348 High Bluff Dr
San Diego, California 92130-3545 -
Vincelett, Jeffrey - State Farm Insurance Agent
(619) 465-14017290 Navajo Road Suite 112
San Diego, California 92119-1631 -
Werner, Duane E - State Farm Insurance Agent
(619) 668-54146663 El Cajon Blvd Suite J
San Diego, California 92115-2851 -
Wiese, Rick D - State Farm Insurance Agent
(619) 563-45336171 Mission Gorge Road
San Diego, California 92120-3409 -
Willard Insurance Agency
(619) 298-85511333 Camino Del Rio S
San Diego, California 92108-3520 -
Wroan, Karen L - State Farm Insurance Agent
(858) 755-755312780 High Bluff Drive
San Diego, California 92130-3016
Glossary of Terms
- Coinsurance
- amount you have to pay for medical care in a fee-for-service plan after you have reached the deductible. The coinsurance rate is usually written as a percentage. For example, if the insurance company pays 80 percent of the claim, you pay 20 percent.
- Coordination of Benefits
- A system to eliminate duplication of benefits when you are covered under more than one group plan. Benefits under the two plans usually are limited to no more than 100 percent of the claim.
- Copayment
- Another way of sharing medical costs. You pay a flat fee every time you receive a medical service (for example, $5 for every visit to the doctor). The insurance company pays the rest.
- Covered Expenses
- Most insurance plans, whether they are fee-for-service, HMOs, or PPOs, do not pay for all services. Some may not pay for prescription drugs. Others may not pay for mental health care. Covered services are those medical procedures the insurer agrees to pay for. They are listed in the policy.
- Customary fee
- Most insurance plans will pay only what they call a reasonable and customary fee for a particular service. If your doctor charges $1,000 for a hernia repair while most doctors in your area charge only $600, you will be billed for the $400 difference.
- Deductible
- The amount of money you must pay each year to cover your medical care expenses before your insurance policy starts paying.
- Exclusions
- Specific conditions or circumstances for which the policy will not provide benefits.
- Fee-for-Service
- The insurer only pays for part of your doctor and hospital bills. This is the traditional kind of health care policy. Insurance companies pay fees for the services provided to the insured people covered by the policy. This type of health insurance offers the most choices of doctors and hospitals.
- HDHP
- High-Deductible Health Plan. With this type of plan, you pay a smaller premium, but have to pay a larger amount out of your own pocket when you use medical services.
- HMO
- (Health Maintenance Organization): Prepaid health plans. You pay a monthly premium and the HMO covers your doctors’ visits, hospital stays, emergency care, surgery, checkups, lab tests, x-rays, and therapy. You must use the doctors and hospitals designated by the HMO.
- Institutionalized
- People under formally authorized, supervised care or custody in institutions (for example, correctional facilities, nursing homes, and mental hospitals). Generally, restricted to the institution, under the care or supervision of trained staff, and classified as "patients" or "inmates."
- Kaiser
- Figure refers to employer-based health insurance. Individual plans may be more expensive. ("Employer Health Benefits 2007 Annual Survey" (#7672), The Henry J. Kaiser Family Foundation & HRET, September 2007)
- Managed Care
- Ways to manage costs, use, and quality of the health care system. All HMOs and PPOs, and many fee-for-service plans, have managed care.
- Maximum Out-of-Pocket
- The most money you will be required pay a year for deductibles and coinsurance. It is a stated dollar amount set by the insurance company, in addition to regular premiums.
- Noncancelable Policy
- A policy that guarantees you can receive insurance, as long as you pay the premium. It is also called a guaranteed renewable policy.
- PPO
- (Preferred Provider Organization): A combination of traditional fee-for-service and an HMO. When you use the doctors and hospitals that are part of the PPO, you can have a larger part of your medical bills covered. You can use other doctors, but at a higher cost.
- Preexisting Condition
- A health problem that existed before the date your insurance became effective.
- Premium
- The amount you or your employer pays in exchange for insurance coverage.
- Primary Care Doctor
- Usually your first contact for health care. This is often a family physician or internist, but some women use their gynecologist. A primary care doctor monitors your health and diagnoses and treats minor health problems, and refers you to specialists if another level of care is needed.
- Property crime
- Property crime includes burglary, larceny-theft, motor vehicle theft, and arson. The objective of the theft crimes is the unlawful taking of money or property, and does not include use or threat of force against the victims.
- Provider
- Any person (doctor, nurse, dentist) or institution (hospital or clinic) that provides medical care.
- Race
- Race is a self-identification data item in which respondents choose the race or races with which they most closely identify. [US Census]
- Single Coverage
- Health insurance that covers medical expenses for one person.
- Third-Party Payer
- Any payer for health care services other than you. This can be an insurance company, an HMO, a PPO, or the Federal Government.
- Violent crime
- Violent crime includes four offenses: murder and nonnegligent manslaughter, forcible rape, robbery, and aggravated assault. Violent crimes involve force or threat of force.
San Diego Facts
Data source: US Census year 2000
Population
Population in San Diego is 1,261,251.
65% of San Diego residents are White, 15% are Asian, 8% are of some other race, 7% are African-American, 4% are a mix of two or more races, and 1% are Native American.
Economy
The median income in San Diego is $36,096 for men, and $26,887 for women.
Compared to the typical person in the state of California, a resident of San Diego makes 6.9% more. The trend for California is that the median income is increasing. (2006)
72,510 people (6% of the population) were living on an income below the poverty level as of 2006. The poverty in San Diego was increasing compared to the year before.
The typical home is worth $579,000. 22% of San Diego homeowners own their home outright, paying typically $385 per month in owner costs. Among those with a mortgage (78% of homeowners), the median monthly owner cost is $2,243. (2006)
Housing
There are a total of 502,964 homes in San Diego. Of these, 8,395 were for sale, and 11,476 homes were available to rent in 2006. 233,813 (50%) were owner-occupied, and 229,508 (50%) were occupied by renters. (2006)
Age
The median age for men in San Diego is 31, and in California the average man lives to be 76. The median age for women in San Diego is 34, and women in California live to be 81, on average. (2006)
Education
The education level in San Diego is high compared to the national average.
Among men over 25, 49% has a college degree, and 20% has some college. Out of the men that didn't study in college, 59% graduated from High School, and 41% dropped out.
Among women over 25, 47% has a college degree, and 20% has some college. Out of the women that didn't study in college, 55% graduated from High School, and 45% dropped out. (2006)
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