If you will be 65 soon and eligible for Medicare but still plan to work, please read my blog post about your Medicare options and whether you can delay your Medicare without penalty. However, if you are 65 or older, are currently working but planning to retire soon, then you have to start planning your…
If you have Medicare and high prescription drug costs, the last budget deal passed by Congress last February 9th will give you some relief. Under the deal, the Medicare “doughnut hole” will close in 2019 instead of 2020, a year earlier than the scheduled time. Beginning 2019, Part D enrollees will pay 25 percent of the cost…
How long could you sustain your present lifestyle if your paycheck stopped due to disability? If you’re like most Americans, your answer is probably “six months or less.” So why haven’t you secured paycheck protection? Most Americans insure their homes and their vehicles, but forget to insure their paychecks. Yet, without a paycheck, homes, vehicles…
In the event of Multicultural Medical Group shutdown in San Diego, there are many patients who find themselves assigned to a new doctor or have to switch insurance to keep the same doctor. In many cases, patients will be able to keep their Primary Care Physician (PCP) and Medicare plan. They’ll just be assigned a…
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…