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Take Control and End Your Post-Holiday Blues

Posted on: December 13, 2013 By: Kevin Tavakoli

Wonderful get-to-gathers and gift-giving for our special ones excite us as the holidays approach. Delicious meals sprawled over decorated and festive tables engulf our senses into pleasant remembrances. Last year’s post-holiday blues have faded away. This year, plan and budget how much you are going to spend on expenses to control your financial fate.  

Make a list of all your expenses
Write down the cost for that special meal, gifts and decorations. If your expenses are more than your budget, do not change your budget. Change your plans so that they will fit what money you have to spend.

Open house instead of gift giving
Instead of purchasing individual gifts for coworkers and friends, plan an open house. Have food that fits into your budget and enjoy.

Track your spending
Everyday, write down what you have spent. You will know how much more you can spend.

Always use cash
Take cash with you as well as a list of what you are buying. This will help prioritize what you need to buy and help stop impulse buying.

At Save-On Health Insurance Services, Inc., Los Angeles, California, holiday financial post-blues are very concerning. We would like to help in anyway possible.

3 Tips For Saving Money On Medicine

Posted on: December 11, 2013 By: Kevin Tavakoli

Even if you have good health insurance, the cost of your monthly prescriptions can often be prohibitive.  If paying for the drugs that keep you healthy has you feeling a little sick, try lowering your health-care costs with these three tips:

  1. Change your lifestyle instead.  Many chronic health problems can be controlled better by lifestyle changes than by drugs. Many people who are taking medication for adult onset diabetes, for example, can cut down on their dosage simply by losing weight and exercising.
  2. Go generic.  If your doctor prescribes a new medication, ask him if you can try the generic or the least expensive medication in that class.  If the less-expensive medicine doesn’t work for you, then you can try another, more-expensive type, but at least you have a solid reason for spending more.
  3. Avoid free samples.  The free samples from the doctor’s office are for the newest and most expensive drugs.  Studies have shown that once a patient is introduced to a high-cost medication, he or she will tend to stick with it without trying a less-costly alternative first.

 For more tips on affordable ways to stay healthy in the Los Angeles, California area, contact Save-On Health Insurance Services, Inc.

Here’s Why You Should Buy Health Insurance

Posted on: December 9, 2013 By: Kevin Tavakoli

A lot of grumbling has been coming from the populace about "being forced" to buy health insurance. The idea of a law that requires people to do something that is a cost is not appealing to many. However, there’s good reasons why to have coverage, even if it doesn’t seem so on the surface.

Having health insurance could be considered a form of preventative maintenance. Someone who knows they are covered when they are sick are far more likely to take care of the problem sooner, when it is easily fixed, than later, when the problem is more costly to treat. The healthier the population, the lower health care costs stay for everyone.

Even though the costs seem high now, the potential for the rates to go lower in the future is there. More insured individuals and families spreads the risk of a claim farther, thus lowering the overall cost. It works like this: insurance companies pool their customers into groups. Someone in a smaller pool of like individuals is going to pay more money than someone who is in a larger pool. The more people in the same pool, the lower the cost, and the Health Care Act brings in more people to create a larger pool. Eventually, everyone gets lower premiums.

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

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. 

Premium Assistance Helps Reduce the Cost of Health Insurance Bought in an Exchange

Posted on: November 20, 2013 By: Kevin Tavakoli

The health care exchanges have opened, and consumers are now able to pick and choose a plan that fits their needs exactly. But what if a policy is too costly, and the benefits are needed? Fortunately, there is what is known as premium assistance available that reduces the cost to a more affordable level. 

In order to be eligible for the premium assistance, the policy has to be purchased through an exchange. Policies purchased through other avenues are not eligible. The amount of the premium assistance provided depends on the total income for the individual or family who is applying. The guidelines for the assistance require that the total annual income be between 100 percent and 400 percent of the federal poverty line. That’s anywhere from $23,000 to $94,000 for a family of four. An online calculator is available through the exchange to help determine the amount of the premium assistance that will be available.

The premium assistance is immediate. That is, there is no waiting for a refund or for a check to arrive in the mail. It is applied automatically to the premium every month and will not change unless there’s a change in income.

Are you resident of Los Angeles or any city in California and interested in an insurance policy? Contact Save-On Health Insurance Services, Inc. today for more information!

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