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The Annual Open Enrollment Period starts October 15 th for Californians over 65 years old

The Annual Open Enrollment starts October 15th and ends December 7th. In this period Medicare eligible Americans should review their Medicare Advantage and Prescription Plans to see if the plans of 2015 still fits their needs. Please reevaluate if you are taken any new prescription drugs of if possible your existing Medicare Advantage Plan is […]

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Covered California subsidy guidelines for 2015

With the implementation of the Affordable Care Act many Californians receive subsidies based on their modified adjusted gross income ( line item 38 on your 1040 tax form or line 22 of your 1040A form)  and the Federal Poverty Level. For 2015 Covered California will base the subsidy on the  Federal Poverty Level 2014 guidelines. The 2014 Federal […]

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Covered CA announces rates for 2015 – good news for Los Angeles area

Covered California  announces rates for 2015; the Los Angeles region will  have a 4.3 % price increase which is 0.1% higher than the 4.2%  state average these are welcome news for all Angelnos.  Ten insurance carrier participating in Covered California 2014 remain in 2015.  Aetna, UHC, Assurant and Cigna are still not partnering with Covered California. Kaiser […]

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Health Care Subsidy Ruling has no immediate impact for California

Two federal appeals courts have recently issued contradictory rulings on whether individuals enrolling in health plans offered through Marketplaces run by the federal government are eligible for subsidies to help pay for their coverage. These ruling has no impact for California as  Covered California is a state run exchange. The D.C. Circuit Court of Appeals […]

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Grace Period for late payment on health insurance differ for off-exchange health plans versus subsidies health plan

Grace periods differ for health insurance policy holders who get government subsidies Did you know that heath insurance members  have a different grace periods for overdue payments on their health insurance , depending on whether they get a government subsidy to help pay the cost of their monthly premiums? Health Insurance Policyholders who do not get a government premium […]

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Health insurance cancellation due to missed premium payments needs to be revised

With the introduction of the Affordable Care Act , and the intention that every American should be enrolled in health insurance, the cancellation policy due to missed payment of the insurance carriers need to be revised. In the last 2 months especially Anthem in California has cancelled policy holders health insurance coverage  for missed premium […]

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Covered California Members, Doctors and Agents are frustrated with Health Insurance Industry in California

Many Covered California members, doctors and even agents are frustrated with the treatment of Health Insurance Companies in California. Doctors who were original enrolled in Covered California’s health insurance networks are deciding to dis-enroll  as  the billing processing is to difficult and time consuming and the fee-structure is to low. Furthermore, Anthem listed nearly 1000 doctors […]

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Affordable Small Group Health Insurance with the changes of the Affordable Care Act

With the implementation of the Affordable Care Act many small business will transition in 2014 to the new metallic plans, when they are due for renewal. Before making that change, those business need to be informed, and will need to educate their employees about the upcoming changes. In contrast to the individual health insurance market, […]

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Special Enrollment Period – what are the qualifying events to sign up for health insurance in California

The 2014  Open Enrollment period for obtaining health insurance is over in California . After that period, the Special Enrollment Period begins. The Special Enrollment Period runs from April 1st through November 15 2014 and it allows Californians, who experience a qualifying event to enroll in a new health insurance plan or make changes to an existing one. A consumer […]

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Obama grants a two year extension for individual to remain on their old health plans – what does that mean for California?

Yesterday President Obama announced a two year extension for individuals to remain on their old health plans, which are not ACA compliant.  Even California’s insurance commissioner Dave Jones supports Obama wish and urged Covered California to reconsider their point of view.In In November  Covered California denounced President Obama’s wish and did not allow the extension of […]

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