Starting in April 2018, Medicare will begin sending new cards to people who receive Medicare benefits.  What You Need To Know All existing Medicare cards should be replaced by April 2019. The new cards will no longer display SSN-based Medicare numbers. Both old cards and new cards can be used from April 2018 to January 2020. Starting…

Individual and family plan open enrollment ends on January 31, 2018. After that, you can’t enroll in a new plan unless you have a qualifying event. Get enrolled now. Contact me for help.

Will I get a tax penalty for not having insurance? You may have questions about the federal tax law that was just passed last December. Covered California coverage and benefits, including financial help to reduce monthly premiums, has NOT changed for 2018. The penalty also remains in effect for 2018 coverage. The only change is…

In the next few weeks, you will be starting the process of renewing your health insurance. If you want to buy individual/family insurance for 2018, now is a great time to start your planning. Finding the right plan can be complicated, and a licensed agent can suggest the most appropriate options for you and your…

In the absence of a federal commitment to continue funding cost-sharing reduction (CSR) reimbursements through the upcoming year, Covered California health insurance companies will add a CSR surcharge to Silver-tier products in 2018. CSR enables lower copays/coinsurances and premiums for those who qualify and usually are available at silver-tier plans. What It Means To You A Covered California…

Medicare Annual Open Enrollment is from October 15 – December 7.  During this time, you can shop around and do plan comparison. You can choose a new health plan that fits your current needs and budget. Remember to make sure your doctor is on the plan you are selecting. I can help you understand the…

This news applies to Individual and Family Health Insurance. Anthem Medicare Advantage, Part D Drug, and Medigap Insurance plans are still available in San Diego. Anthem Blue Cross of California is withdrawing from 16 of California’s 19 Pricing Regions where it serves approximately 153,000 consumers, and this includes San Diego County. They will remain in…

What is Short Term Health Insurance? Short term health insurance, also called Temporary health insurance, is medical insurance designed to provide coverage during the gaps between other health care plans. Consider Short Term if you’re: Between jobs Waiting for other coverage to begin Waiting to be eligible for Medicare coverage – Part A and/or Part…

At a press event last August 1, Covered California announced rates and plan participation for 2018. The weighted average rate increase is 12.5 percent this year, and all 11 health insurers will continue to offer coverage. It should be noted that given the uncertainty surrounding the cost-sharing reduction (CSR) payment, Covered California may need to…

New California Assembly Bill 72 law Effective July 1, 2017, this new state law protects individuals from receiving unexpected “surprise or balance” medical bills from an out-of-network (OON) doctor when receiving inpatient and outpatient non-emergency care and services at an in-network healthcare facility such as a hospital, clinic, lab, imaging center or other healthcare facility….

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