6. State Availability & Variations
The Optimum Health Saver is available in most states. However, a few states have different products:
|
State |
Product |
Key Difference |
|
Most states |
Optimum Health Saver |
Standard plan — use this in your quotes |
|
PA |
HSP Gold — No Deductible version |
No hospital deductible applies |
|
AZ / VA |
HSP Gold — With Deductible version |
Similar to Optimum but HSP product |
|
CA |
Health Choice Select |
DO NOT TRAIN ON — separate product entirely |
|
Important Never quote Optimum Health Saver for California clients. California uses a completely different product. Always check the state before quoting. |