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Dental Plans Enable You to Maintain Your Teeth and Gums Without Spending a Small Fortune

Posted on: November 1, 2013 By: Kevin Tavakoli

Taking proper care of your oral health is an important part of a preventive health plan, but dental procedures are often costly. If you have dental insurance or a dental plan, you can receive a check-up, have X-rays taken, get your teeth cleaned and have cavities filled without having to worry about paying high fees.

The beauty of a Save-On Health Insurance Services, Inc. dental insurance plan is that it is relatively inexpensive, and the amount of money you save for simple maintenance visits more than pays for the amount you spend on insurance premiums. If you have a job, find out if you can get a group dental insurance plan that costs even less money than private coverage.

Dental plans also help pay for expenses that cost more than general maintenance procedures. A crown can cost more than $1,000, but if you have a good dental insurance plan that provides you with dental care in Los Angeles, California, you will pay a considerably less sum of money for the same crown.

For more information about the importance of having dental insurance coverage for the proper maintenance of your teeth and gums in Los Angeles, California please contact Save-On Health Insurance Services, Inc.

What Does Having A Grandfathered Plan Mean?

Posted on: October 30, 2013 By: Kevin Tavakoli

Representatives of Save-On Health Insurance Services, Inc. want you to know that if you were covered by a major health insurance plan in the Los Angeles, California, area before or on March 23, 2010, you may have a grandfathered plan. A grandfathered plan is a plan that continues to offer the same benefits as those offered prior to or on March 23, 2010.

Whether or not you have a grandfathered plan depends on the grandfathered date of the actual plan rather than the date on which you enrolled in the plan. If a grandfathered plan still continues to exist, and you wish to enroll in the plan after March 23, 2010, you are still enrolled in a grandfathered plan.

Grandfathered plans include health plans covered by major health insurance providers such as Kaiser Permanente, Anthem Blue Cross and Blue Shield and United Healthcare. To find out if you have a grandfathered plan, read the fine print. Legal regulations require health plans to disclose whether they are grandfathered plans. Grandfather plans covers more doctors and hospitals in their network.

For more information about the meaning of a grandfathered plan in the Los Angeles, California, area, please contact Save-On Health Insurance Services Inc.

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.

Affordable Care Act Answers You Need

Posted on: October 21, 2013 By: Kevin Tavakoli

As the Affordable Care Act (ACA) gets closer to reality, there are more questions than can be answered in advance. However, your trusted source for valuable health coverage advice in Los Angeles and throughout California, Save-On Health Insurance Services, Inc. offers these answers to some important ACA questions.

What If I Don’t Have Health Insurance in 2014? If you don’t get coverage in 2014, you may need to pay a fee of 1.0 percent of your annual income or $95 per person, whichever is greater. The penalty increases to 2.5 percent or $695 in 2016. Open enrollment ends on March 31, 2014.

Are There Any Exemptions from Penalty Fees? You might qualify for an exemption if you have evidence of an item on a list of conditions that create "hardship exemptions."

Am I Eligible for Insurance with a Pre-Existing Health Condition? Yes. You cannot be refused coverage for pre-existing conditions.

How Can the ACA Help Me? The Health Insurance Marketplace in California offers you more money-saving choices for healthcare coverage.

If you’re uninsured or under-insured, contact Save-On Health Insurance Services, Inc. to get more answers to your questions. They have been serving California residents for over 28 years with all types of affordable insurance coverage. The Save-On Health Insurance Services professionals will help you navigate the confusing subjects of the Affordable Care Act.

How Subsidies Help You Save Money on Health Insurance

Posted on: October 18, 2013 By: Kevin Tavakoli

The health care exchanges have changed the way people buy insurance by offering consumers the ability to shop and compare plans. But for some, the premiums are still out of reach due to having insufficient income. Instead of going without coverage, there are subsidies available that reduce the amount of the monthly premium, and are available immediately.  The only way the subsidies are obtained is by buying a policy through an exchange or Covered California.

How much the applicant receives in subsidies for their health insurance premium depends on where their income falls. A subsidy calculator can help determine if the annual income is low enough to qualify. Typically income has to be anywhere between 100 percent and 400 percent of the federal poverty limit, and annual income can be as much as $92,000 for a family of four. 

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

About Save-On Health Insurance Services

Posted on: October 16, 2013 By: Kevin Tavakoli

Save-On Health Insurance Services, Inc. has been a leading independent insurance agent offering top value for the Los Angeles area since 1985. We have a no application or processing for our clients. As an independent insurance agent, we are able to find you the most comprehensive   for your insurance coverage needs at the best possible price.

We are a one-stop shop that takes you from the comparisons of coverage and companies to the purchasing of health insurance coverage on line. On our website you can shop and get quotes from all Major carriers , compare plans side by side and apply on line 24/7 365 days a year. We provide access to major carriers including Anthem Blue Cross of California, Blue Shield of California, HealthNet, Cigna, and Kaiser. By using an independent agent to search through these health insurance companies, you can access dozens of applicable policies in order to find the best fit for you and your family. We also offer all Medicare supplemental plans dental plans. All medical and dentals plan available can be chosen as PPO or HMO plans. HSA plans are also offered.

Save-On Health Insurance Services, Inc. of the Los Angeles CA area offers value in health insurance. Our office are located in West Los Angeles and serving all surrounding cities such as Santa Monica, Beverly Hills, Brentwood, Pacific Palisades, Malibu, Mar Vista, Playa Del Rey, Marina Del Rey, Culver city, West Hollywood, Hollywood, Bel Air, Encino, Sherman Oaks, Studio City, Tarzana, Woodland Hills , Orange County, Ventura County. For more information regarding commercial, auto, homeowner, Umbrella, personal property or health insurance, contact our agents today!

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