Barth Howard Homeowners Insurance and Auto Insurance in San Ramon, California 

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 Barth Howard Insurance Agency


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(925) 699-4200




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Short-Term PPO Plans ... competitive & proven

Between jobs?

Just graduated?

Waiting for permanent coverage?



Here's the coverage you need ...

Short-Term Medical Coverage provides a minimum of 30 days to a max of 185 days of medical coverage, designed to meet your health plan needs while you are between coverage.


You decide the length of coverage of your Short-Term PPO Plan.  After your plan expires, you may complete a new application and reapply for a second Short-Term PPO Plan period.

After you have had 2 elections of a Short-Term PPO Plan with less than a six month lapse in between, you must wait 6 months before you reapply for more short-term coverage,

or else apply for a long-term plan.


What the Plan Covers:


   · Emergency Care

   · Ambulance ($1,000 benefit maximum)

   · Hospitalization services

   · Outpatient services

   · Access to any doctor you want (but you'll save money "in netwrok")

   · Professional services including x-ray, lab and office visits

   · Prescription drugs

   · Accidental Death and Dismemberment coverage up to $50,000

   · 24-hour medical information and resources through MedCall

   · $3,000,000 per person maximum lifetime benefit for medical

Here's why you'll want to put us at the top of your A list:


   · Begin or end coverage on any day of the month

   · Pricing is based on a low per member per day rate

   · Access to one of California's largest provider networks

   · Some of the strongest provider discounts in the state

   · Deductible waived for annual health screening via HealthyCheck

   · Deductible waived for emergency treatment of accidental injuries

   · Simple plan designs with 20% coinsurance in-network ... regardless of deductible

   · Prescription drug coverage with no brand deductible

   · Physical Therapy, occupational therapy and chriopractic treatment covered
    after deductible ... up to $1000 per member

   · Generous $3 million lifetime maximum benefit

   · Electronic checks, paper checks and credit cards accepted

   · Deductibles from $250 - $2,000

   · No claim forms are needed with network providers


Eligibility and Enrollment:


   · You can pay by credit card and submit applications by fax or online

   · If approved, coverage begins at 12:01am on the date following the postmark date

    on the envelope or day after the application is received via fax or online.

   · You must be a permanent legal resident of California

      and, a United States resident for at least 3 months 

   · Applicants must be between the age of 15 days to 64 years old

   · Applicant's spouse , age 64 or younger

   · Applicant's child(ren), or child(ren) of applicant's enrolling spouse, under 19 years old

   · Applicant's unmarried dependent child(ren) between the ages of 19 to 22

    ("dependent" as defined by the Internal Revenue Service)



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Representative of top-rated insurance companies: Farmers Insurance Group, Blue Cross, New World Life, Foremost, CNA, United States Liability

Selling fire, homeautos, umbrella, Boats, life, business, commercial auto, earthquake, & flood.   California Insurance Agency directly serving the

entire State Of California and the communities of Alamo, Blackhawk, Danville, Dublin, Pleasanton, San Ramon, and greater SanFrancisco Eastbay

(All of California and zip codes 94506, 94507, 94526, 94566, 94568, 94582, 94583, 95688)