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L.A. Exceeding Expectations for ObamaCare Sign-ups

Posted on: April 11, 2014 By: Kevin Tavakoli

While reports of those signing up for the Affordable Care Act across the country have been spotty and in some cases, disappointing, a recent report in the L.A. Times says that is not the case in Los Angeles County. The paper states that recently released data from the state says that over 200,000 people have signed up for Obamacare in the county. The Times article says that puts L.A. County behind only the entire states of California, Florida, New York and Texas in terms of total enrollment.

California’s total enrollment has passed earlier estimates. Back in mid-February it had reached just over 825,000. There are some areas where the state is not performing so well. Riverside County for example, is said to be at only about 60% of projected sign-ups. Fresno and San Bernardino Counties are also falling behind.

If you have questions regarding the ACA or your current health insurance coverage, contact us. We are Save-On Health insurance Services of Los Angeles, California and we are here to assist you.

The Deadline Changes for Enrollment in Covered CA and Obamacare

Posted on: April 9, 2014 By: Kevin Tavakoli

The deadline to get health insurance on March 31 has come and gone with many still trying to get a policy. Millions of people tried to access the websites for Obamacare and Covered CA, resulting in many not being able to enroll. The federal administration anticipated the server overload and has extended the deadline for getting coverage until April 15, although it is possible another extension will be added. Anyone who is trying to enroll can check a box that says they tried to get insurance online, but were unable to, qualifying them for the extension.

Covered CA is operating on the same premise that users were unable to get onto the website by the end of the day on March 31, and has created the same extension. California residents have until April 15 to contact a representative at a Covered California Service Center or a certified enrollment counselor to talk about their difficulties and get the extension.

Both the federal government and California state officials were aware that accessing the sites could get difficult, and created the extension as a result.

For help with getting a deadline extension for Covered CA, contact Save-On Health Insurance Services in Los Angeles today!

Cost Sharing Subsidies: Are You Eligible?

Posted on: December 4, 2013 By: Kevin Tavakoli

Through the Affordable Care Act, more people will be purchasing health coverage than ever before. The key is to find a suitable healthcare plan within your income. Purchasing your healthcare insurance through a state or federally operated exchange enables you to apply for cost-sharing subsidies to lower the cost of your insurance coverage. These subsidies are available to lower income individuals and families who cannot afford the high cost of health care coverage.

The qualifications for cost-sharing subsidies are based on annual income and family size. If you were single in 2012 and your annual income totaled less than $27,936, you may qualify for cost sharing subsidies. (A family of four with an income of less than $57,636 may also qualify).

Covered California offers a number of cost-sharing subsidy plans and you can compare their costs and benefits online. Cost-sharing subsidies makes it possible for you and your family to obtain health coverage with greater benefits at a more affordable cost. You benefit from more comprehensive health coverage without having to pay prices that are way beyond your financial capabilities.  

Find out if you are eligible for a cost-sharing subsidy plan through Covered California by contacting Save-On Health Insurance Services, Inc., Los Angeles.  

What Are the Different Coverage Levels for Covered California?

Posted on: December 2, 2013 By: Kevin Tavakoli

With so much talk going on about the Affordable Care Act, it can get a bit confusing deciphering what is actually available to California residents. Here are a few key pieces of information you need to know.

– Covered California is the state’s health insurance exchange program.

– There are three levels of coverage available from Covered California: Catastrophic, Bronze, and Silver.

– Catastrophic coverage is available only to persons under age thirty. It covers major hospital stays due to accident and/or illness.

– Bronze level offers preventative care and still keep premiums very affordable.

– Silver level is the highest level available and includes the maximum amount of coverage, including preventative care and catastrophic coverage.

While the exact conditions and medical services for these plans vary, it is important to weigh the benefits and drawbacks of each to determine which plan is right for you and your family. For more information on Los Angeles, California area health insurance, please contact Save-On Health Insurance Services, Inc. today.

What Self-Employed California Residents Should Know About the ACA

Posted on: November 29, 2013 By: Kevin Tavakoli

Self employed individuals have always felt somewhat of a burden when it comes to health insurance, but upcoming changes associated with the Affordable Care Act have many individuals nervous. Here are some basic things to understand about how the ACA comes into play for self-employed individuals.

  • Self-employed individuals without any employees don’t have to worry about mandates associated with employers.
  • If your business isn’t an Inc. or other legal set up and you earn an income from consulting or other work, you are self-employed and eligible to apply for individual insurance in the ACA marketplace.
  • California’s health insurance marketplace is known as Covered California and features numerous coverage options, including plans for the self employed.
  • Even if you’ve had trouble securing an individual health policy in the past due to pre-existing conditions, you’ll be able to find options on the Covered California marketplace.

For more information about individual health insurance in the Los Angeles, California area, contact Save-On Health Insurance Services.

Understanding the Basic Facts of the Affordable Care Act

Posted on: November 27, 2013 By: Kevin Tavakoli

Are you confused by the Affordable Care Act, commonly known as Obamacare? According to recent polls, you are in good company. The basics of the ACA are not as well disseminated as they should be. Now almost all U.S. citizens and legal residents are required to carry a health insurance policy beginning in 2014 and keep that policy until they are eligible for Medicare.

Probably the most confusing aspect of the marketplace are the issues with the federal government’s website. Some states have their own health exchange website up and running, while others use the federal website in lieu of their own. In the event you don’t want to go through a web portal, you can call a phone number or apply through the mail.

A selection of health plains is available to you, regardless of how you enroll. You buy the plan that makes the most sense for you, and you can reduce its cost with a federal subsidy if you qualify. If you feel you can’t afford a plan, you may be in a state that is expanding Medicaid, which is public health care for the poor. Those who are 26 years old and younger can stay on their parent’s health insurance plan instead of buying their own individual coverage.

Finally, if you get health insurance through your employer, you don’t have to do anything apart from stay on your current plan.

Are you in the Los Angeles, California area and looking for information about health insurance? Contact Save-On Health Insurance Services, Inc. to talk to an agent today!

 

What Types of Medical Coverage Does Covered California Offer?

Posted on: November 25, 2013 By: Kevin Tavakoli

Covered California offers access to quality health plans in an open marketplace as part of the Affordable Care Act. Here we have a list of the different ways individuals and families can get health insurance with the help of Covered California.

How Can Covered California Help You Get Health Insurance?

  • Offers a marketplace where individual and family plans will be available to millions of Californians that otherwise would be without medical insurance.
  • The program helps to make sure your coverage cannot be canceled or denied due to pre-existing conditions or if you suddenly get sick.
  • Offers the ability to shop and compare different health insurance plans to find the right fit for you and your family.
  • The program will also help you see if you are eligible for financial assistance to help reduce your health insurance costs.
  • Catastrophic coverage may be available to those under 30 or to those who may not have other options for coverage due to financial hardship.

If you would like more information on obtaining health insurance coverage in the greater Los Angeles area, please visit Save-On Insurance Services online and get a quote today.

Will Insurance Rates Rise with Covered California?

Posted on: November 22, 2013 By: Kevin Tavakoli

One question that many people are pondering today is whether Covered California insurance rates will be higher than current policy rates. As of now, there is no straightforward answer to this question. 

A comparison of policy rates on the small business market in California revealed little increase (2%) in the cost of Covered California policies as compared to average current rates. This minor increase included the extra medical coverage required of health insurance companies under the Affordable Care Act (ACA), like medical prescriptions, doctor visits and hospital stays. Some predictions even calculate a drop in insurance rates once the ACA is activated in 2014.  

There are several reasons why lower rates are being predicted for Covered California policies. Covered California has made great strides in strengthening its relationship with insurance providers to keep premiums at reasonable rates. Insurers are also experiencing a reduction in administrative costs, the savings of which can be passed on to consumers in the form of reduced premium prices. 

For more information about health insurance costs and benefits in the Los Angeles, California, area, contact Save-On Insurance Services. 

Are YOU California Covered?

Posted on: October 28, 2013 By: Kevin Tavakoli

The Affordable Care Act was implemented so that every American could have some form of health insurance. Covered California policies provide affordable insurance to everyone who meets the eligibility requirements. Unlike policies from corporate insurance companies, Covered California covers pre-existing medical conditions that would not be covered under a conventional policy. All major carriers are required to cover all pre-existing medical conditions as of January 1, 2014.

Individuals who may not be covered under regular health insurance policies due to poor health can gain coverage through the new, state mandated plans. Talking with your insurance agent will help you discover what types of conditions are covered and what policies would work best with your overall health. Whether you see your doctor on a regular basis or only visit when you absolutely have to, Covered California will make sure you have the right coverage.

Residents who live in the greater Los Angeles, California area can contact Save-On Insurance Services Inc. if they have any questions about their current insurance coverage. Covered California insurance is designed so everyone will have access to affordable healthcare coverage.

Group Benefits Under the Health Care Reform Act

Posted on: October 25, 2013 By: Kevin Tavakoli

The new SHOP (Small Business Health Options Program) offers businesses with 50 or fewer full-time employees affordable group health care plans to comply with provisions of the Affordable Care Act (ACA). The SHOP Marketplace offers benefits to both employees and business owners. Among the menu of employee benefits, SHOP offers the following important features for small businesses.

  • More control over the plan the company offers and the amount owners contribute to employee premium costs.
  • Ability to compare health plans equally–and in simple English–to make the best selection for your company.
  • Potential to receive the small business healthcare tax credit, which could equal up to 50 percent of health insurance premium costs.
  • Business owners who have no full-time or full-time equivalent employees (FTEs) can shop the healthcare marketplace for individual plans instead of the SHOP group plan program.
  • Covered California™ SHOP is the business marketplace for Los Angeles and surrounding areas in southern California.

Save-On Health Insurance Services, Inc. a trusted source for affordable insurance coverage in California for over 28 years, can help business owners make the best choices to comply with the provisions of the ACA. Business owners seeking experienced, expert advice should contact Save-On Health Insurance Services, Inc. now to learn valuable information and pricing for the group healthcare plans and potential tax benefits available. You and your employees will benefit from the right group healthcare plan.

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