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Take Control of Stress

Posted on: March 19, 2014 By: Kevin Tavakoli

It has been known for a long time that stress is contrary to a healthy lifestyle. The question is, what can you do about it? Here are some suggestions:

  • Write down what you are stressing about. Simply putting your worries down on paper can help.
  • Schedule something relaxing. It could be a round of golf, an hour in the backyard in a lounge chair reading a book or simply taking a long hot bath.
  • Relax physically. Let your shoulders drop. Notice the muscles that are tense and consciously release the stress in each one.
  • Be grateful. It is hard to be stressed when you are thankful for the people and things in your life.
  • Exercise. Physical activity is a great reliever of stress.
  • Listen to some of your favorite tunes that make you feel good. Music can be a good cure for stress.

If you happen to be stressing about your health care coverage, we can help. We are Save-On Health Insurance Services and we serve all of California from offices in Los Angeles. Contact us today.

Long Term Care for Seniors

Posted on: March 17, 2014 By: Kevin Tavakoli

Needing long term care late in life is a common way to remain independent and to increase quality of life. With long term care, seniors can remain in their own homes with the help of home-care services.

Outside of their homes, they can lead a more comfortable life by getting long term care in residential facilities that cater to those who need regular care with everyday tasks. Those services are often help with both medical conditions and day-to-day personal care tasks. With the right health insurance policy, California seniors can get the long term health care they need when they need it. 

When you want to be protected for the future, getting insurance that will pay for your long term care needs is vital. To get those services in Los Angeles, contact Save-On Health Insurance Services for a reasonable rate without skimping on the services that you may one day need to be healthy and comfortable. 

I’m Young. Do I Need Life Insurance?

Posted on: March 14, 2014 By: Kevin Tavakoli

You’re young and in the best health of your life. Do you really need life insurance? For adults in their twenties and thirties, life insurance is probably far from their mind. What many people fail to understand; however, is that life insurance can come in handy in the event of unexpected circumstances. There are several situations in which you may want to consider getting life insurance.

If you have parents, siblings or relatives that depend on your income, life insurance is essential. While you may not consider these people as your dependents, they depend on you as the sole earner. Life insurance is also important if you have a partner, spouse or children who depend on your income. Life insurance policies can also provide mortgage protection and can give you and your partner peace of mind.

In the event that you pass unexpectedly, life insurance will provide the financial means to allow your family time to grieve without worrying about finances. Money can also be set aside for funeral expenses and burial costs. It’s important to understand that life insurance is affordable, especially if you are young and healthy when you acquire it.

For more information about life insurance in California, please contact Save-On Health Insurance Services, located in Los Angeles.  

Why Annuities Pay Off, in the Long Run

Posted on: March 12, 2014 By: Kevin Tavakoli

Some people look down on annuities as investment vehicles because they tend to pay lower rates than stocks and some other investment opportunities. At the same time, there are some strong arguments in favor of having an annuity as part of your retirement portfolio, including:

1. Annuity income is predictable. You know how much you will receive each quarter and can budget accordingly.

2. If your budget permits, annuity proceeds can be reinvested in more aggressive investments, without risking your main retirement nest egg.

3. Annuity investors can have confidence they will not outlive their income, an important consideration as the average lifespan increases.

4. Annuity contracts can be written so that a spouse, children or other heirs will receive payments for a guaranteed period, even if the main beneficiary passes sooner than expected.

5. Annuities can be used as investment vehicles, with variable rates paid based on mutual fund performance. More conservative investors can choose fixed rate annuities, which will pay the same amount regardless of the market’s status.

Save-On Health Insurance Services, in Los Angeles, California, can help you with all of your retirement and insurance needs. To learn more or schedule an appointment, contact us.

 

All About Annuities

Posted on: March 10, 2014 By: Kevin Tavakoli

When planning for the future, you may have heard suggestions on annuities and how they can benefit you in the long run. First, what is an annuity? An annuity is basically a way to guarantee income for the rest of your life. There are two standard types. The first is an immediate annuity, and the second, is a deferred annuity. Here is a quick snapshot of the options for each:

  • Life – You will receive dividends for life.
  • Period Certain – You will receive dividends for a specified amount of time.
  • Life Annuity with Period Certain – You will receive dividends until your death. That income will then transfer to a beneficiary.
  • Joint and Survivor – You will receive dividends during your lifetime and after you expire, your beneficiary will receive a percentage of that income.

All of these options can be explained in detail from a knowledgeable insurance agent. For more information and tips on choosing the right annuity for you in the Los Angeles, California area, contact Save-On Health Insurance Services today!

Reasons You Need Life Insurance

Posted on: March 7, 2014 By: Kevin Tavakoli

Life insurance is purchased for many reasons. It can provide funds for burial expenses. It can pay off the deceased’s bills. It can provide for the insured’s family, or even insure a key employee. Some people will purchase life insurance to leave a legacy to a favorite non-profit.

If you are considering life insurance, you should think about these four questions:

  • What exactly is it that you want the proceeds to provide?
  • How much money will it take to accomplish that goal?
  • How much can you afford to pay for life insurance premiums?
  • What is the best type of policy to help you accomplish those goals?

Of course you will want to contact a professional life insurance agent to discuss your options.

Life insurance, like health insurance, is part of a solid financial, loss prevention plan. If you would like to know more about how you can save on your health insurance, contact us. We are Save-On Health Insurance Services and we serve all of California from our Los Angeles based offices.

What You Need to Know about Dental Coverage

Posted on: March 5, 2014 By: Kevin Tavakoli

Health insurance generally covers all medical aspects with the exception of your dental health. Dental treatments can be very costly, and it’s not uncommon for a single visit to the dentist to cost upwards of a thousand dollars or more. A simple root canal averages $300, while a crown can cost as much as $1,500 or more. To reduce the cost of these essential services, many people search for dental coverage.

Dental coverage plans can differ from insurance company to insurance company. With standard health insurance, you pay a deductible and a small portion of the bill. With dental coverage, you receive a certain amount of coverage and then you’re responsible for the remaining balance of the bill. Once you’ve reach the maximum amount for dental services, you are forced to wait until the next year to receive discounted services or you must pay the entire bill out of your own pocket.

The cost of dental coverage differs from plan to plan. In some cases, your employer may offer dental coverage for you and your family. If you are forced to pay for your own coverage, dental coverage can cost between $12 and $50 per month, per person.

For more information about health insurance in California, please contact Save-On Health Insurance Services, located in Los Angeles.  

Do I Have to Give My Employees Health Insurance?

Posted on: March 3, 2014 By: Kevin Tavakoli

There is a lot of confusion and some misinformation surrounding how the Patient Protection and Affordable Care Act, commonly known as "Obamacare", affects the requirements of business owners to give health coverage to their employees. While there are many regulations governing which businesses need to provide health care insurance to their workers, these regulations are in flux, with changes being made regularly.

There are some parts of the act that have not changed:

  • No employer must offer coverage to employees. The act only requires some employers who choose not to provide insurance to pay a fine.

  • Employers with less than 50 employees are not required to provide coverage, nor are these employers required to pay the fine under the act’s Shared Employer Responsibility part of the law.

  • The Shared Employer Responsibility section of the law does not currently go into effect until Jan. 1, 2015.

A detailed FAQ is available from the government’s IRS website which provides more detailed information about which employers are effected by the new law, and what the penalties are for violating it.

For more information on providing your California employees with health insurance, please contact Save-On Health Insurance Services in Los Angeles.

How Small Group Taxes from the Affordable Care Act Affect the Cost of Health Care Premiums

Posted on: February 21, 2014 By: Kevin Tavakoli

The Affordable Care Act levies new taxes that are earmarked for different provisions that came into being with the passing of the act. Two of these taxes are now in effect as of January 1, 2014, and are funded via small group premiums only. Following is an explanation of these new taxes, and how they are applied to small group policy holders:

  • The health insurer tax is intended to offset the cost of subsidies and tax credits for those buying policies through the health insurance exchanges. All small groups are required to pay this tax on an annual basis, and it is expected to be 2.3 percent of premiums. 
  • The transitional reinsurance contribution program tax is a short-term tax that will sunset in 2016. Funds are used to assist with covering the costs of individuals with the highest risk in the non-group market. The cost of this tax is estimated to be $5.25 per each enrolled member, or about 1.5 percent of dues and/or premiums.

Do you live in the Los Angeles, California, area and want to buy an insurance policy Contact Save-On Health Insurance Services to speak to an agent about your needs today!

ACA Small Group Tax Credits For Businesses

Posted on: February 19, 2014 By: Kevin Tavakoli

Under the Affordable Care Act, tax credits that lower the costs of employee insurance premiums are available to some small business that meet the qualification requirements. 

To qualify, a business must have no more than 25 employees who are full-time. The average annual wage of those employees cannot exceed $50,000. And, health care coverage for those employees must come from the Small Business Health Options Program (SHOP) marketplace.

For 2014, the maximum amount available as a tax credit is 50 percent of total employee health care costs if the company is a small business and 35 percent of total employee health care costs if it is a non-profit organization in the state. Additional requirements exist for business who want the maximum credit amount. For example, the business must have no more than 10 employees who are full-time and their average annual wage cannot exceed $25,000.

For more information on tax credit opportunities and small group insurance in the greater Los Angeles, California area, contact Save-On Health Insurance Services today.

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