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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!

Why the Latest Fad Diet Probably Won’t Work

Posted on: November 18, 2013 By: Kevin Tavakoli

With the growing obesity problem constantly in the news, it seems as if a new and popular diet springs up every few months. Celebrities hop on the bandwagon, touting great weight losses in a short amount of time. What they don’t show is how most of them put the weight right back on after they quit the diet. This can end up costing you in the long run, from higher insurance rates to bigger doctor bills.

Most fad diets are based on cutting out a particular food group, or restricting your diet to only a few certain foods. Nutritionists say this can be dangerous in the long term, because you’re missing out on important nutrients. Our bodies need protein, which is missing in juice diets and cleanses, and the fats and carbohydrates that many of the one-ingredient (cabbage soup, potato, pineapple) diets omit. No one can stay on these diets for long without feeling sick, and when they go back to their old eating patterns, the weight comes back on.

For more health tips or more information on health insurance, contact Save-On Insurance Services in Los Angeles, California.

Useful Items For Your Glove Compartment

Posted on: November 15, 2013 By: Kevin Tavakoli

Every driver should have an emergency kit in the trunk that includes a first aid kit and other items useful if you break down on the road. Sometimes, however, there are times when you need an item and you can’t or don’t want to get out of the car. This is why you should keep a small group of important items in your glove box.

  • A window breaking tool can save your life if you get swept away in a flood or otherwise find your car underwater. If your electric windows short out, this can be the only way to get out.
  • A cell phone charger and GPS unit that plug into the car. Both can save you if you’re lost.
  • A squeeze flashlight that doesn’t need batteries.
  • A pair of gloves, both for cold days and to protect your hands if you have to break a window.
  • A small collapsible umbrella.
  • A small first aid kit.

For more information on car safety or auto insurance, contact Save-On Insurance Services in Los Angeles, California.

Aetna Leaves California’s Individual Health Insurance Market

Posted on: November 13, 2013 By: Kevin Tavakoli

Aetna began pulling out of the California individual insurance market in July, 2013, when it stopped selling individual health insurance policies in the state, and the company plans to stop servicing existing individual plans as of January 1, 2014. If you’re an individual plan policyholder with a plan from Aetna, this means you’ll need to find new coverage at the start of the new year.

Fortunately, with plenty of other insurance options in the state, it’s easy to find a health plan that suits your needs. The agents at Save-On Insurance Services are authorized to sell health insurance plans from HealthNet Insurance, Anthem Blue Cross, Cigna Insurance, Kaiser Permanente and Blue Shield of California. You can compare plans and prices on our website to find the right one for you at www.save-onhealthinsurance.com.

Contact a helpful agent at Save-On Insurance Services to learn more about your insurance options in the greater Los Angeles area.

Independent Agent Offers Many Health Insurance Options

Posted on: November 11, 2013 By: Kevin Tavakoli

The national health insurance landscape is about to change dramatically. The coming months and years will display whether the American people benefit from these sweeping changes. The Affordable Care Act (ACA), scheduled to take effect in 2014, demands changing the healthcare insurance marketplace.

Since every state will have its own online marketplace to shop for health insurance, the options are accessible. However, individuals can easily become confused and frustrated with the coverages and provisions of the many new health insurance plans. Their questions are many; the answers seem insufficient.

Enter a trusted, experienced agent, such as Save-On Insurance Services. Instead of cutting through the noise of each insurance carrier telling you that they are the best, you can simply contact the professionals at Save-On Insurance Services in the Los Angeles, California area, an authorized agent for numerous health plan options.

The proven independent agency is authorized to represent many of the most trusted providers of health insurance. Save-On Insurance Services menu of carriers includes the following well-known companies.

  • Blue Shield of California
  • Anthem Blue Cross
  • HealthNet Insurance
  • Kaiser Permanente
  • Cigna Insurance

If you’re not as familiar with Save-On Insurance Services as you are with the above carriers, just imagine the credentials needed to be approved by and authorized to represent these long famous health plan providers. This alone should increase your trust and comfort in Save-On.

Instead of trying to navigate the confusing waters of the ACA by yourself, contact Save-On Insurance Services, to use their expertise to explain the pros and cons of plans you want. They’ll help you find the coverage you want at a price you can afford.

5 Tips to Improve Your Family’s Time Management

Posted on: November 8, 2013 By: Kevin Tavakoli

People are busier today than ever and time management is key to keeping your family life organized. Follow these simple tips to make managing your home less stressful.

5 Time Management Tips

  1. Have a place for everything. Put a basket by the front doorway for keys, outgoing mail, loose change, and other items that need to be retrieved quickly.
  2. Pre-plan meals. Find quick, easy, and delicious recipes that can be made ahead of time. One great way to save time cooking is to prepare crockpot recipes that can slow cook throughout the day and ready when you get home.
  3. Prepare outfits in advance. Make sure all of your clothes and your kids clothes are washed, ironed, and organized for the week. Waste no more time searching for what to wear in the morning.
  4. Clean as you go. Do not wait until the weekend to clean the house, clean as you go. When you take something out, make sure you put it back when you finish.
  5. Make a to-do-list. One of the best ways to increase time management is to make a to-do-list for the next day. The list should also include a time for most activities.

For more information about family management and health insurance in the Los Angeles area contact Save-On Insurance Services.              

Car Thefts On The Rise: Protect Your Vehicle!

Posted on: November 6, 2013 By: Kevin Tavakoli

California has seen a disproportionate increase in car theft compared with other states in recent years. The good news is that there is now better information available regarding the habits of auto thieves—and it’s more readily accessible. You can help prevent theft of your property by keeping the following in mind.

  • Always make sure your windows are rolled up and your doors are locked. Thieves look for easy targets.
  • Keep your keys out of plain sight at home, and don’t mark them with your name or address—this could be disastrous if they are ever lost and fall into the wrong hands.
  • Don’t leave valuables (such as electronics) visible inside your car. Pack them away before your trip, as don’t want anyone to see you shifting possessions into your trunk or glove compartment.
  • Invest in an alarm system if you have a high-end or often-stolen model of car. Tracking devices and immobilizers are also gaining popularity.

Save-On Insurance Services has decades of experience serving Los Angeles residents with their insurance needs. Please contact us with any questions.

The Benefits of Medicare Supplement Plans

Posted on: November 4, 2013 By: Kevin Tavakoli

Medicare supplement plans were created to fill in the gaps left by conventional insurance and Medicare/Medicaid coverage. They act much like any other insurance company only they cover particular procedures and treatment options not covered under the generalized forms of insurance provided by the government. Medicare supplements come in a variety of forms and are chosen based on the particular needs of the patient.

Medicare supplement plans can be purchased through private insurance agents and provide a wider range of coverage than conventional Medicare. Choosing the right type of supplement package will be determined by the general health of patient and what particular health problems they experience on a regular basis.

Residents who live in Los Angeles, California can contact Save-On Health Insurance Services, Inc. if they have questions about how Medicare supplement plans can help them get the best coverage possible. Their knowledgeable staff understands the importance of having the right health insurance coverage, especially if a person is on a fixed income and must budget for Medicare supplement policies.

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.

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