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Insurance in San Jose

Data source: US Census year 2000

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Uninsured in Santa Clara County

San Jose is the county seat of Santa Clara County.

One in ten

One out of ten people in Santa Clara County (11.8%) lack health insurance. In the state of California, 18.8% are without.

Among the population under 18 years in Santa Clara County, 8.6% 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 Jose

Cities are generally less safe to live in than small towns. Violent crime in San Jose is 17.9% lower per capita, than in the U.S. as a whole. The per-capita rate of property crime in San Jose is 20.7% lower than nationally.

There are 3846 people living in restricted group quarters such as correctional facilities, nursing homes, and mental hospitals in San Jose (0% of the population).

Accidents

Commuting to work is a fact of life for most Americans. In 2000, 90% of San Jose residents drove to work, and 4% used public transport. 1% 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 Jose, 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 Jose, California

  • A 1 Care

    (925) 942-3600

    31 N 2nd St Ste 260
    San Jose, California 95113-1240

  • Alesch, Richard D - State Farm Insurance Agent

    (408) 918-0877

    164 N Bascom Avenue Suite A
    San Jose, California 95128-1867

  • Apria Healthcare

    (408) 383-4400

    2040 Corporate Ct
    San Jose, California 95131-1753

  • Baycrest Insurance Services

    (408) 249-4611

    1275 S Winchester Blvd Ste B
    San Jose, California 95128-3910

  • Bhan, Rachel R - State Farm Insurance Agent

    (408) 272-2629

    1625 N Capitol Avenue
    San Jose, California 95132-2106

  • Biggs, Kathleen F - State Farm Insurance Agent

    (408) 365-7268

    6079 Snell Avenue
    San Jose, California 95123-4127

  • Blasser, William E - State Farm Insurance Agent

    (408) 225-4636

    5533 Snell Avenue Suite 201
    San Jose, California 95123-1526

  • Blue Cross of California State D Prgrms Cmmnty Rso

    (408) 277-0773

    2 N 1st St Ste 150
    San Jose, California 95113-1212

  • Bob Heckley Authorized Agent Fo Ble Shld of Clfrna

    (408) 286-1176

    2040 Forest Ave Ste 5
    San Jose, California 95101-4816

  • Croul, Paul N - State Farm Insurance Agent

    (408) 246-8992

    960 Saratoga Avenue #120
    San Jose, California 95129-3411

  • Darrell Dukes Insurance Associates Inc

    (408) 288-9800

    1156 N 4th St
    San Jose, California 95112-4900

  • DeCosta, Clifford E - State Farm Insurance Agent

    (408) 557-9790

    1305 N Bascom Avenue Suite H
    San Jose, California 95128-1248

  • Derendinger Insurance Agency Inc

    (408) 252-7300

    1133 Saratoga Ave
    San Jose, California 95129-3423

  • Dudley, Dennis E - State Farm Insurance Agent

    (408) 241-9411

    348 Saratoga Avenue
    San Jose, California 95129-1324

  • Duong, Nha B

    (408) 286-5123

    972 Story Road
    San Jose, California 95122

  • Edington, James S - State Farm Insurance Agent

    (408) 225-2463

    5623 Cottle Road
    San Jose, California 95123-3625

  • Fedrick, Thelma L - State Farm Insurance Agent

    (408) 723-2268

    1777 Hamilton Avenue
    San Jose, California 95125-5401

  • Fillhouer, Robert W - State Farm Insurance Agent

    (408) 269-7771

    1688 Willow Street Suite A-3
    San Jose, California 95125-5109

  • Finnerty Joanne B

    (408) 984-1755

    1871 The Alameda
    San Jose, California 95126-1750

  • Finnerty Thomas E

    (408) 244-8535

    1871 The Alameda
    San Jose, California 95126-1750

  • Fiorentino Ins Agcy Inc - State Farm Insurance Agent

    (408) 927-7526

    1153 Redmond Avenue Suite C
    San Jose, California 95120-2749

  • Ford, Curtis G - State Farm Insurance Agent

    (408) 281-2911

    618 Blossom Hill Road
    San Jose, California 95123-3048

  • Gallaway, James M - State Farm Insurance Agent

    (408) 260-3370

    1270 So Winchester Blvd #134
    San Jose, California 95128-3911

  • Gill, Gurmeet S - State Farm Insurance Agent

    (408) 224-3737

    151 Bernal Road Suite 10
    San Jose, California 95119-1306

  • Hill, Rodney J - State Farm Insurance Agent

    (408) 920-0300

    913 Willow Street Suite 201
    San Jose, California 95125-2380

  • Ho Quang Nhut Ins Agency Inc - State Farm Insurance Agent

    (408) 223-6163

    2048 Tully Road
    San Jose, California 95122-1357

  • Ho, Thachvu Q - State Farm Insurance Agent

    (408) 267-4100

    1702 Meridian Avenue Suite J
    San Jose, California 95125-5586

  • Holland, Arthur E - State Farm Insurance Agent

    (408) 229-7870

    5671 Santa Teresa Blvd
    San Jose, California 95123-6511

  • Innovative Cost Management-Employe Bnfts & Insrnce

    (408) 244-8535

    1871 The Alameda
    San Jose, California 95126-1750

  • Kaiser Foundation Health Plan Inc Marketing, Santa Clara

    (408) 236-6888

    1333 Lawrence Expy
    San Jose, California 95101-3510

  • Kaiser Foundation Health Plan Inc Marketing, Santa Teresa

    (408) 972-6606

    275 Hospital Pkwy Ste 700
    San Jose, California 95119-1102

  • Keirstead, Michael L - State Farm Insurance Agent

    (408) 923-2073

    901 S White Road
    San Jose, California 95127-3237

  • Krieger, Larry D - State Farm Insurance Agent

    (408) 292-0411

    1276 Lincoln Avenue
    San Jose, California 95125-3050

  • Kumar, Adesh C - State Farm Insurance Agent

    (408) 243-7050

    2858 Stevens Creek Blvd
    San Jose, California 95128-4607

  • Landers, Gregory P - State Farm Insurance Agent

    (408) 293-4763

    2239 Moorpark Avenue Suite 100
    San Jose, California 95128-2661

  • Le, Van T - State Farm Insurance Agent

    (408) 259-8826

    301 N Jackson Avenue #12
    San Jose, California 95133-2344

  • Lebron, Carlos L - State Farm Insurance Agent

    (408) 226-2353

    574 Blossom Hill Road Suite B
    San Jose, California 95123-3212

  • Lee, Jung K - State Farm Insurance Agent

    (408) 377-3775

    2955 Union Avenue
    San Jose, California 95124-1439

  • Lee, Larry D - State Farm Insurance Agent

    (408) 266-7340

    4476 Pearl Avenue
    San Jose, California 95136-1846

  • Lifeguard Health Plan Main Office

    (408) 943-9400


    San Jose, California 95101

  • Mesic, Dennis A - State Farm Insurance Agent

    (408) 225-8636

    835 Blossom Hill Road
    San Jose, California 95123-2703

  • Moran, Hoa M - State Farm Insurance Agent

    (408) 926-7151

    2723 McKee Road
    San Jose, California 95127-1827

  • Murillo, Michael P - State Farm Insurance Agent

    (408) 295-0554

    1449 Park Avenue Suite 3
    San Jose, California 95126-2529

  • Ng, Benson - State Farm Insurance Agent

    (408) 244-5660

    3410 Stevens Creek Blvd #102
    San Jose, California 95117-1058

  • Nguyen, Peter G - State Farm Insurance Agent

    (408) 270-7976

    1816 Tully Road Suite 246
    San Jose, California 95122-4405

  • Nunes, Rose Mary E - State Farm Insurance Agent

    (408) 532-6680

    2690 S White Road Suite 30
    San Jose, California 95148-2075

  • Olseen, Al - State Farm Insurance Agent

    (408) 274-4900

    3267 S White Road
    San Jose, California 95148-4056

  • Options

    (408) 997-8702

    Po Box 20636
    San Jose, California 95160-0636

  • Pacificare

    (408) 452-8070

    2077 Gateway Pl Ste 120
    San Jose, California 95110-1016

  • Paul Middleton Ins Agcy Inc - State Farm Insurance Agent

    (408) 255-8061

    1468 S De Anza Blvd
    San Jose, California 95129-4605

  • Pond, G Gregory - State Farm Insurance Agent

    (408) 374-3200

    5043 Graves Avenue Suite H
    San Jose, California 95129-5103

  • Powers & Associates

    (408) 286-9551

    28 N 1st St
    San Jose, California 95113-1214

  • Praswitrianto, Rama

    (408) 371-8181

    14710 Camden Avenue
    San Jose, California 95124-2818

  • Pratt, Tami A - State Farm Insurance Agent

    (408) 247-6800

    360 Kiely Blvd Suite 125
    San Jose, California 95129-1300

  • Reyes, Lillian

    (408) 272-2629

    1625 North Capitol Avenue
    San Jose, California 95132

  • Sanchez, Gary E - State Farm Insurance Agent

    (408) 269-5001

    2053 Lincoln Avenue Suite A
    San Jose, California 95125-3538

  • Santa Clara Family Health Plan Sc Family Health Foundation

    (408) 254-5980,(408) 874-1876

    1450 S White Rd
    San Jose, California 95127-4798

  • Sosnowski, Steven J - State Farm Insurance Agent

    (408) 629-4700

    5450 Thornwood Drive Suite F
    San Jose, California 95123-1222

  • Sparks, Reed - State Farm Insurance Agent

    (408) 923-2055

    3119 Alum Rock Avenue
    San Jose, California 95127-2902

  • Stroup, Richard Dennis - State Farm Insurance Agent

    (408) 268-7800

    6455 Almaden Expressway
    San Jose, California 95120-2857

  • Vallejo Bernie Ins

    (408) 929-5000

    2684 Berryessa Rd
    San Jose, California 95132-2900

  • Wallraven, Stephen G - State Farm Insurance Agent

    (408) 265-0300

    2053 Lincoln Avenue Suite A
    San Jose, California 95125-3538

  • Williams, Kenneth C - State Farm Insurance Agent

    (408) 928-1440

    3467 McKee Road
    San Jose, California 95127-2233

  • Wilson, Donald C - State Farm Insurance Agent

    (408) 257-8700

    7280 Blue Hill Drive Suite 2
    San Jose, California 95129-3624

  • Wunder, William G - State Farm Insurance Agent

    (408) 268-8600

    6065 Meridian Avenue Suite 30
    San Jose, California 95120-2769

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 Jose Facts

Data source: US Census year 2000

Population

Population in San Jose is 916,220.

47% of San Jose residents are White, 30% are Asian, 15% are of some other race, 4% are a mix of two or more races, 3% are African-American, and 1% are Native American.

Economy

The median income in San Jose is $41,531 for men, and $29,266 for women.

Compared to the typical person in the state of California, a resident of San Jose makes 22.4% more. The trend for California is that the median income is increasing. (2006)

48,519 people (5% of the population) were living on an income below the poverty level as of 2006. The poverty in San Jose was increasing compared to the year before.

The typical home is worth $683,400. 19% of San Jose homeowners own their home outright, paying typically $486 per month in owner costs. Among those with a mortgage (81% of homeowners), the median monthly owner cost is $2,683. (2006)

Housing

There are a total of 301,578 homes in San Jose. Of these, 742 were for sale, and 4,963 homes were available to rent in 2006. 179,518 (62%) were owner-occupied, and 111,310 (38%) were occupied by renters. (2006)

Age

The median age for men in San Jose is 34, and in California the average man lives to be 76. The median age for women in San Jose is 35, and women in California live to be 81, on average. (2006)

Education

The education level in San Jose is high compared to the national average.

Among men over 25, 46% has a college degree, and 15% has some college. Out of the men that didn't study in college, 58% graduated from High School, and 42% dropped out.

Among women over 25, 42% has a college degree, and 18% 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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