Affordable Health Insurance – Redlands CA

Health Insurance for Under 65 and Not on Medicare

Have your family and friends contact the
Redlands Health Insurance
Enrollment and Benefits Center
at (909) 792-3302.

Our services are free.

redlands health insurance enrollment & benefits center

Insurance Basics You Must Know

So your finally covered with your new health insurance plan through Covered California, or you have renewed for the 2nd year. There are some basics terms you need to understand when it comes to your health insurance. Today we are going to go over a couple of the “Basics” terms in insurance.

The first term is: Annual Deductible

Your Annual Deductible –  The Amount you Pay before your Coinsurance Kicks In.

Your annual deductible is the amount you must pay for covered care each year before your health insurance begins to pay. For example, a $2000 deductible will require you to pay $2,000 out-of-pocket for covered services before insurance company pays.

 

Next Term: Coinsurance

Your Coinsurance – The Amount You Pay after DeductibleYour coinsurance is the percentage of medical cost you are required to pay after  your annual deductible is met. For example, the health insurance plan may cover 80% of charges for a covered surgery, leaving you responsible for the other 20%. The 20 percent you must pay is called the coinsurance

 

Next: Annual Out-of-Pocket Maximum

Your Annual Out-of-Pocket Maximum – The Maximum Amount You Will Pay Each YearYour annual out-of-pocket maximum is the absolute maximum amount of money you will pay for covered services during a year. Once you reach your annual out-of-pocket maximum, your health insurance plan covers your medical costs at 100 percent.

 

Lastly is Copayment

Your Copayment- The Cost of a Doctor Visit
or Pharmacy Item
Your co-payments (or copays) are set dollar amounts you pay to your medical providers for specific covered services. The most common types of copay’s are doctors visit copays and pharmacy copays. For example, you may make a $30 copay for each covered visit to your primary care provider. Often, copay are capped at a certain number of uses per year.

If you still have questions about your health care coverage please feel free to contact our offices at (909) 797-3302.

 

 

4 Questions to Ask Before Renewing Health Coverage

Covered California Questions?

More than 7 million people signed up for coverage through the overhaul’s public insurance exchanges after the first annual open enrollment window started last fall. Open enrollment returns starting Nov. 15, and experts say it brings with it the perfect chance to take stock in your insurance coverage, even if you like the plan you have this year. That coverage — or the cost of it — may change for 2015. Plus, new and better options also could be available in your market.

Here are some key questions to consider before finalizing your coverage for next year.

1 — Why shouldn’t I let my plan renew automatically without doing anything?

Automatic renewal doesn’t guarantee that your plan or the bill for it will stay the same. It just ensures that you have something set up for next year in case you are unable to study your options and pick a plan during the enrollment window.

Your insurer will send you a letter outlining your 2015 coverage and detailing the policy’s terms, so you should look for changes to your plan and its price. The insurer may raise the deductible or coinsurance, items that could cause you to pay more out of pocket for care before most coverage starts. It also may change the premium or cost of coverage.

Many customers on the public exchanges used income-based subsidies or tax credits to help pay for their coverage. Plans that are automatically renewed also may come with this year’s subsidy amount, which could stick you with a bigger bill if your premium climbs in 2015.

In some cases, an insurer may automatically enroll you in another plan that’s similar to your 2014 coverage if it stops selling your old plan.

Your doctor also may no longer be in your coverage network. Check on that with both the doctor’s office and your insurer to make certain.

Even if you have no problems with your coverage for 2015, you should still consider other options. More insurers are expected to enter the exchanges, so an even better choice may be out there for 2015.

“The bottom line is everybody should go and shop in the marketplace,” said Rachel Klein, enrollment program director for the nonprofit advocacy group Families USA.

2 — Will my tax credit or subsidy change?

That depends on your income and your insurance market. It’s estimated that more than 80 percent of the people who signed up for coverage under the health care law are receiving subsidies.

If your income changes or you think it will change, you need to update that part of your enrollment file after open enrollment starts in November. Think about whether you or anyone in your household may receive a raise next year or if you might make some more money through a second job. . That could reduce your subsidy.

Look at last year’s tax returns for help.

The number you need is your modified adjusted gross income.

Life changing events like marriage, divorce, the birth of a child or the loss of a job also can change your subsidy level.

Don’t think you can get away with skipping these updates. The government will catch up with you when you file your taxes. If your subsidy is too big in 2015, the overpayment could be taken from your refund or added to your bill when you file in 2016.

Subsidies are determined based on a benchmark plan in your market. A new plan may be used as this benchmark for 2015 or the same plan may come with a new price. That could change your subsidy, for better or worse. If a lower subsidy makes your bill too steep, you may have to hunt for another option.
3 — When do I have to have all of this figured out?

Customers will enroll in a new plan by Dec. 15 if they want coverage that starts Jan. 1. That gives you about a month to make a decision after open enrollment starts.

New Year’s Day is an important start date because all coverage purchased on the exchanges for 2014 ends Dec. 31 regardless of when you bought it.
The open enrollment period for next year ends Feb. 15. If you wait until then to buy a plan, the coverage won’t start until March 1.

4 — Where can I find help?

Call the Redlands Health Insurance Enrollment & Benefits Center at (909) 792-3302

Our services are free to you!

LitchfieldInsurance.com

 

Choosing a Health Plan for 2015… What to know (and do) now

aca enrollment redlands caThe national open-enrollment period for health insurance coverage for 2015 is Nov. 15, 2014 through Feb. 15, 2015. During this period, insurance carriers offering coverage must guarantee acceptance into Affordable Care Act (ACA)-compliant health insurance plans without limitations on pre-existing conditions.

If you haven’t already prepared for the 2015 open-enrollment period, here are some important steps to take.

Find out if your current health plan complies with the ACA. In all materials describing plan benefits, health plans must disclose whether or not they are ACA compliant. Check your materials or contact your carrier to confirm the status of your plan.

  • ACA-compliant health plans.If you’re enrolled in a 2014 ACA-compliant health plan, your benefit year ends Dec. 31, 2014. Your coverage ends Dec. 31 even if you enrolled in the plan after Jan. 1, and any changes to your benefits or rates will be made at the beginning of each calendar year.

To continue your coverage in 2015, you can renew you current plan or chose a new plan.

Non-compliant health plans. If you like your current health plan, you may be able to keep it. But if your carrier discontinues your plan or it loses “grandfathered” status, you may have to upgrade to a plan that meets ACA requirements. In most cases, your insurance provider will tell you if you’re required to make a change for 2015.

You may be at risk for a penalty if your plan isn’t ACA compliant, so check your materials or contact your carrier to confirm. The government accessed penalty for non-compliance with ACA has increased for 2015 – 2 percent of your income or $325 per adult /$162.50 per child, whichever is more.

Shop for coverage

Although you can’t apply for 2015 coverage until Nov. 15, you can start evaluating your needs now.
Call us at (909)792-3302 with any question you might have.

Our services are free.

 

Covered California News

covered ca

Covered California News

Open enrollment for 2015 Covered CA Health Plans is Nov.15 – Feb.15

If you or anyone you know currently have a Health plan through Covered California, it will most likely automatically renew in 2015. However you may not want that to happen without first taking a closer look at what the 2015 plans have to offer price wise.


What was the best choice for you in 2014 may not be what’s best for you and your pocketbook for 2015. Due to rate increases.

Please call our office and we will be happy to assist you with your health needs. Free of charge.

Here are some helpful phone numbers:

     Litchfield Insurance: 909 792-3302   

Health net:              800 547-2967
Blue Cross:             
855 634-3381

Blue Shield:            800 393-6130
Kaiser:                    
888 236-4490

For Medi-Cal questions you’ll need to call:  877 410-8829

 

It is not too late! Covered CA – Don’t get penalized!

 

have you heard

 

You still have time to get your health insurance and avoid penalties. They have extended the deadline to April 15th.

Call us at 909-792-3302 to set up an appointment.

5 Days Left! – Covered CA – Don’t get penalized – Redlands Health Insurance

Redlands Health Insurance