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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. 

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.

Halloween Health and Safety Tips!

Posted on: October 23, 2013 By: Kevin Tavakoli

If you plan to take your children trick-or-treating in the Los Angeles, California, area, follow a few healthy and safety tips on Halloween to make sure your kids are safe. Representatives of Save-On Insurance Services remind you that you should not permit your kids to trick-or-treat alone.

Accompany your children on Halloween, or make arrangements for a trusted adult relative or friend to trick-or-treat with them. Keep your kids healthy by restricting the number of candy bars they eat on Halloween. Check candy and fresh fruits carefully to make sure they are free from razor blades or similar sharp objects. Do not allow your children to eat unwrapped pieces of candy.

Take a flashlight with you for enabling better night vision. Do not allow your kids to run from house to house. Stay on the main streets, and avoid entering alleys. Do not permit your children to walk in the streets. Even though you are not going to allow your kids to go trick-or-treating on Halloween by themselves, it is still wise to instruct them to avoid going anywhere with strangers.

Additionally, tell your children they are not allowed to go anywhere with people they know unless they inform you first. For more information about health insurance in the Los Angeles, California, area, please contact Save-On Insurance Services.