Mark your calendar! Open enrollment for Individual Health Insurance and Covered California will start from October 15 through December 15 for a January 1, 2020 effective date. Consumer’s signing up between December 16 and January 15 will have a February 1, 2020 effective date. Covered CA estimated that this Open Enrollment Period is likely to…

September is Life Insurance Awareness Month. It was created to help educate Americans about the importance of life insurance so I wanted to create a post to briefly help you learn about it. No one really likes to talk about life insurance. But chances are, you need life insurance. Understanding it and planning ahead can…

Getting ready to sign up for Medicare? Thinking about a Medicare Advantage plan but not sure that’s what you really want? You switched from a Medicare Supplement to a Medicare Advantage plan but not happy with the new plan? Medicare beneficiaries have a 12-month period to try out a Medicare Advantage or Part C plan. If they…

As a part of its 2019 budget legislation, the California legislature has passed an individual mandate under Assembly Bill 414. The California legislation would require all individuals who are California residents to carry minimum essential coverage for themselves, their spouses and their dependents for every month beginning on and after January 1, 2020. The mandate…

Losing your Medicare card can cause you to panic.  That’s why knowing in advance what to do if your Medicare card is lost or stolen is important and can save you a headache. Luckily, getting a replacement Medicare card is easy. To know how this article “What to Do if Your Medicare Card is Lost…

Open Enrollment (AEP) for Medicare begins today, October 15th until December 7. During this time you may join, switch or drop a Medicare Advantage plan (Part C) or a prescription drug plan (part D). In some cases, you can also drop your Medicare Advantage plan and switch to a Medicare Supplement with a Part D plan. Every…

Short-term limited duration insurance plans will be banned in California beginning January 1, 2019. It means you can’t buy short-term insurance anymore in California. Some carriers have decided to stop selling these plans now, while other carriers will continue to sell new policies through December 31, 2018. Covered California will allow a Special Enrollment Period…

Mark your calendar! This month, Covered CA released notification to their certified agents that the open enrollment for 2019 begins October 15 through January 15, 2019.  It’s different than what it used to be, which was from November 1 through January 31. When a consumer signs up from October 15 to December 15. The plan…

Long-term care is an essential part of many seniors’ lives, and yet many of us fail to plan for it correctly ahead of time. It can be a considerable expense for both ourselves and our families and, according to USA Today, it is only getting costlier. Approximately 45 percent of retirees are not confident that…

CMS has released the 2019 Medicare Advantage and Part D Call Letter which provides the Part D benefit parameters and policy changes to the Prescription Drug Benefit Program. The table below compares the standard benefit for a Part D plan for 2019 to the amounts for 2018. There were also many updates to other aspects…

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