Health Insurance for Under 65 and Not on Medicare

health insuranceHealth insurance protects you from high, unexpected costs.

Did you know the average cost of a 3-day hospital stay is $30,000? Or that fixing a broken leg can cost up to $7500? Having health coverage can help protect you from high, unexpected costs like these.

Most people must have health coverage in 2014 or pay a fee.

If you don’t have coverage in 2014, you’ll have to pay a penalty of $95 per adult, $47.50 per child, or 1% of your income (whichever is higher). The fee increases every year. Some people may qualify for an exemption to this fee.
If you enroll by March 31, 2014, you won’t have to pay the fee for any month before your coverage began.

Marketplace open enrollment for 2014 ends March 31, 2014.
The proposed open enrollment period for 2015 is from November 15, 2014 to January 15, 2015.

Have your family or friends contact the Redlands Health Insurance Enrollment  & Benefits Center at (909) 792-3302. Our services are free.





sunshineHealthcare Reform continues to roll out, and I promise to keep you informed as changes occur. For those under 65 and NOT on Medicare, our team has helped many enroll over the last 3 months, including some of your family and friends. Thanks so much for referring them to us! What a “challenging” time! A BIG shoot-out goes to Terri, Bethanne and Chase for a job well done!

Lastly, my father Claude would have celebrated a birthday this month and in honor of him I’d like to share with you one of his favorite quotes, “In California, we only have Good days and Better days.” My father, he was a wise man….Enjoy the sunshine and palm trees everyone!

All the Best,


What is the Health Insurance Marketplace?

health insurance marketplaceThe Marketplace is a new way to find health coverage that fits your budget and meets your needs. With one application, you can see all your options and enroll.

What you’ll learn when you apply in the Health Insurance Marketplace

When you use the Health Insurance Marketplace, you’ll fill out an application and see all of the health plans available in your area. You’ll find out if you can get lower costs on your monthly premiums for private insurance plans. You’ll learn if you qualify for lower out-of-pocket costs.

The Marketplace will also tell you if you qualify for free or low-cost coverage available through Medicaid or the Children’s Health Insurance Program (CHIP).

The Health Insurance Marketplace is sometimes known as the health insurance “exchange.”

Apply in person or by phone by calling us:
Redlands Health Insurance Enrollment and Benefits Center at (909)792-3302

Open enrollment starts October 1, 2013. Plans and prices will be available then. Coverage starts as soon as January 1, 2014.

 Compare options in the Health Insurance Marketplace

Insurance plans in the Marketplace are offered by private companies, and they cover the same core set of benefits called essential health benefits. No plan can turn you away or charge you more because you have an illness or medical condition. They must cover treatments for these conditions.  and choose the combination of price and coverage that fits your needs and budget.

We’re Excited about this New division in our agency to assist and serve your Family and friends Under  65 to obtain Health Insurance they just couldn’t get before.

Have them call us for their appointment at: (909)792-3300. We are located in the CitiBank building at 300 E. State St. Ste. 102B in downtown Redlands

Sincerely,  George

California License #0B56846
(909) 792-3300




Medicare is Growing Stronger, with Help from the Affordable Care Act

good newsToday, the Medicare Trustees reported some good news for seniors and taxpayers: The Medicare program will be solvent through 2026, nearly a decade longer than projected at the time of passage of the Affordable Care Act. This is 2 years longer than projected last year. Their annual report also shows that the long run actuarial deficit in the Hospital Insurance Trust Fund – a measure of its long-term fiscal health – has been cut by more than 70 percent since enactment of the health care law. The long-run Medicare deficit has fallen from 3.88 percent of taxable payroll in the 2009 Trustees Report to 1.11 percent in this report.

These long-run gains are matched by short-term relief: the Trustees also project that the Part B premium will not increase between 2013 and 2014, keeping out-of-pocket costs for beneficiaries down. Medicare cost growth has remained at historically low levels over the past three years even as new benefits for preventive care and prescription drugs have helped tens of millions of beneficiaries access care at lower cost. The law reduces prescription drug costs by closing the donut hole, a policy that has already saved more than 6 million seniors more than $700 each. And more than 32 million seniors have accessed a free preventive service under the law, helping them stay healthy and avoid future illness.

This news comes on the heels of a string of reports of good news for Medicare, for seniors, and for overall health care costs. This morning, USA Today reported on how Affordable Care Act is driving innovation across the health industry by the creation of new care models, new payment incentives, and greater efficiency by health care providers – improvements that will benefit all health care consumers. New care models like Accountable Care Organizations reward providers for managing the quality and costs of their patients across all settings over time –more than 250 of these organizations area already serving more than 4 million Medicare beneficiaries. Payment incentives to focus on quality are showing results – there were about 70,000 fewer unneeded hospital stays in Medicare last year. And our data and health information technology initiatives are driving a wave of innovation as entrepreneurs and innovators develop and deploy new digital tools to help clinicians deliver better care across the country.

We are focused on making sure these good trends continue. The President’s budget includes policies to further strengthen Medicare and lower health cost growth, resulting in savings for families and government alike. And we’ll continue to take actions to support innovation and improve quality. Nurturing these developments is essential to supporting the Medicare program into the next decade and beyond.

Please contact us beginning in August for an appointment starting on October 1st for pre-65 individuals and Oct. 15th-Dec. 7th for Medicare recipients if you plan on making a change.Call: (909)792-3300 for your appointment.


California Dreamin’|George Litchfield|Redlands Health Insurance

George Litchfield - Hotel CaliforniaI really enjoy what I do. I get to meet a lot of fascinating people and at the same time help them make the right choices in regards to their health, dental and life insurance that saves them their hard earned money and gives them the best quality and value.

Take today for instance. I met with a couple preparing for retirement in the next few years who will travel the country full time in a motor home. Sounds like an adventure, doesn’t it? Well, they chose the best option for them now and we discussed ideas for the near future.

Speaking of an adventure, Terri and I recently drove an hour and a half up the pacific coast from the tip of Baja California to a dusty little Mexican town named Todos Los Santos.  We had never heard of it either! In the early 70s, the lead singer for the Eagles rock band was staying there and wrote the classis song “Hotel California”. The last verse reads “You can check-out any time you like, But you can never leave! ” That reminds me of when my father moved our family to the Golden State in the mid 60s and I quickly wrote to my grandmother back east saying, “Grandmama, California’s a nice place to visit, but I don’t want to live here! Years later however that sentiment would change 180 degrees.

With all the challenges we face, we still live in one of the best places on earth.

Enjoy one of the latest articles on Health Care Reform in this issue of The Gazette and rest assured we are here for the long haul to assist you and your family to navigate through or around “ObamaCare”, which ever will serve you best.

Getting a Discount is always fun. After my last birthday, I can now order at Denny’s from the special pricing off the back of the menu! BUT, you’ve got to ask for your Discount.

Case in point, while checking into a 5 Star resort recently on vacation, I asked for us to be upgraded from a studio to a 1 bedroom suite (a $300 a night difference ).so after the 3rd request and checking with the supervisor we got the suite and the View! So, ask for your discounts and “upgrades”!

” Freedom is not free”. Please remember to keep our brave men and woman in uniform at home and abroad in your thoughts and prayers, because of them we enjoy the Freedoms we have.

Until next time, have a safe July,


If you do not receive our monthly Gazette please call our offices at (909)792-3030 and we will put you on our mailing list.


What’s that, a Rainbow?! – ObamaCare, Health Care Reform

rainbowAs a 14 year old boy, I remember going to the public library and checking out the book, The Power of Positive Thinking by Norman Vincent Peale. I’ve always been one to see the “glass half full, silver lining, brighter side of life”. The rainbow in the picture above, I recently took on Maui, indicates there are better days ahead.

When it comes to Health Care Reform, aka, ObamaCare, the mindset I’ve endeavored to live my whole life by  has been tested. So far, the majority of my Medicare clients have dodged the proverbial bullet. Premiums are being held at bay and benefits are richer than ever. The Individual Mandate begins on January 1st which requires All Americans to obtain health insurance or face a penalty. The good news is, if you’re under age 65, you can’t be declined coverage due to pre-existing conditions. This led advisors like me to think that premiums would shoot through the roof.

Well, last week I was invited on a webinar where the state of California announced rates and benefits for the Health Insurance Marketplace opening on October 1st. They look as good or better than I’ve seen in a long time. I can’t tell you how many people I’ve tried to help over the last 20 years, who were turned down because of this medical condition or that. Many of you with a spouse under 65 know this. They’re either uninsured or your premium has shot up.

Here is a quick example of what’s available premium wise come October 1st for a January 1st effective date.

One spouse has Medicare, the 2nd spouse is 60, household income is $30,000, the monthly premium is $150 a month after a $474 subsidy. You couldn’t be denied and the plans are excellent in benefits!

As always, we’ll be here for your Medicare planning AND to assist the spouses, children and grandchildren who are not on Medicare. Starting in August we’ll be taking appointments for your loved ones for October 1st when the Health Insurance Marketplace opens. Be sure to tell them to book their appointment early. Medicare Annual Enrollment Period is still October 15th-December 7th.

Have a Great June all,
George – If you or someone in your family is 65 or older and is in need of a Medicare Supplemental Plan or already has a plan, but wants to make sure that it is the right plan please give us a call (909)792-3300 or (888)891-5557 or go to our website  and we will give you a quote and help you keep money in your pocket