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Freelancers & Independent Contractors! A new CA law could HURT your status!

If you’re a FREELANCER in CA (aka INDEPENDENT CONTRACTORS) — read all of this to protect your $$$ ! The Insurance Mom wants to make you aware of a recent CA Supreme Court ruling.    It could really HURT you as a FREELANCER.     If you HIRE freelancers, this new state law could hurt you as a… Continue reading Freelancers & Independent Contractors! A new CA law could HURT your status!

Hey, CALIFORNIA… here’s info about your INDIVIDUAL health insurance for 2019

READ ME… ALL OF ME!! It’s time to talk about individual HEALTH INSURANCE for 2019 — OPEN ENROLLMENT is starting 10/15/18 Information is starting to roll in.   BUT we’re still waiting for the FINAL RATES. What we know so far: There WILL BE rate increases — no, I don’t know how much yet There are… Continue reading Hey, CALIFORNIA… here’s info about your INDIVIDUAL health insurance for 2019

Will YOU Be My Doctor?!

ALL networks are getting skinner and anorexic, reducing your choices for 2015. In 2014, the biggest problem with doctor networks came with plans purchased on Covered CA.   It was hard to determine if your doctor took the Covered CA plans.  The Covered CA search engine was incorrect and removed from the website.    Some doctors only… Continue reading Will YOU Be My Doctor?!

Rates, Schmates! What About Doctor Networks?!

With all the changes in health insurance, everyone seems to be talking only about monthly premiums.   But what about access to your favorite doctors who may not be in your plan’s network anymore? You may be seeing a lot of ads on Proposition 45, which has to do with how rates are regulated (see my… Continue reading Rates, Schmates! What About Doctor Networks?!

How Much Will it Cost to Get Covered in 2015? 

If you know anything about the Affordable Care Act (ObamaCare), you know that the next Open Enrollment period is coming up (Nov. 15th – Feb. 15th for a Jan. 1st and later start date.) Everyone’s first question to me is “how much will my monthly premium be?” We don’t have enough info yet to compare. … Continue reading How Much Will it Cost to Get Covered in 2015? 

Kids, kids, kids…

If you’re in California and have health insurance in California, then this one’s for you. As of 7/1/12, you’re all going to have maternity benefits added to your existing coverage.  Wahoo! Yes, it’s true… SB 222 and AB 210, passed last year by our illustrious governor, are going to give each and every one of… Continue reading Kids, kids, kids…

UPDATED – Anthem Blue Cross In-Network Hospital Update

*******************I M P O R T A N T****I M P O R T A N T****I M P O R T A N T**************** Good news!  Anthem Blue Cross has announced that Hospital Corporation of America’s California hospitals once again participate in Anthem BC’s’ network. In Southern California: Los Robles Regional Medical Center West… Continue reading UPDATED – Anthem Blue Cross In-Network Hospital Update

Anthem Blue Cross In-Hospital Network Update

IMPORTANT IMPORTANT IMPORTANT IMPORTANT Anthem Blue Cross has been unable to re-negotiate its contracts with the following hospitals, so they are now considered out-of-network. In Southern California: Los Robles Regional Medical Center West Hills Hospital In Northern California: Regional Medical Center of San Jose Good Samaritan Hospital in San Jose If you are currently in… Continue reading Anthem Blue Cross In-Hospital Network Update

Wanna Save Some Money (part 3)?

Getting a prescription from your doctor doesn’t mean you don’t have choices about how to spend your money. Ask your doctor if a generic drug is available and make sure it’s in the same class of drugs as the expensive brand name drug he wants to you to buy. Generics have the same active ingredients,… Continue reading Wanna Save Some Money (part 3)?

Wanna Save Some Money (part 2)?

Need to get lab work done, such as blood or urine tests, PAP test or biopsy? Think about using a lab that isn’t located in or part of a hospital. They’re often way less expensive than a hospital lab, and some health insurance plans have a lower co-pay for outside labs. And many outside labs… Continue reading Wanna Save Some Money (part 2)?