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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!

 

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!

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.

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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