Here are all the articles I wrote during September, 2018. I hope they're useful to you.

September 26th, 2018

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 NO new/better options in 2019
  • There will NOT be any better networks or drug formularies
  • Blue Shield will NOT continue the BlueCard program when you’re traveling — which means NO coverage outside of California, except for emergencies (like all companies)
  • Deductibles are going up slightly
  • Out-of-pocket maximums are going up slightly
Chances are, you’re going to STAY PUT on your current plan for 2019.   Yes, no kidding.

Be patient… take a nice inhale 🙂…

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September 6th, 2018

5 Tips From Your Insurance Broker!

Here are 5 tips from The Insurance Mom about Health Insurance you know only if you have an insurance broker — Read On!

  1.  You can’t just get individual health insurance any old time.   Enroll only during Open Enrollment!  The next one is November for coverage starting January 1st.   If you have coverage at work, you have to wait until your employer’s open enrollment period.
  2. Pay your individual insurance bill within 30 days or you’ll lose the insurance (oh no!).   You’re out of luck until the next Open Enrollment.  In some states there are options, but none will protect you like regular health insurance.
  3. ONE free physical a year, with an IN-network doctor, is included in every policy.   Ladies, you get a gyno visit too.   No dollars out of your pocket.   Not even a copay!  Check with your insurance broker to find out which specific exams and lab tests are included.
  4. ALL FDA-approved birth control is FREE now if you want it!
  5. Kids are automatically enrolled in pediatric dental & vision coverage.  As long as you go to an IN-network dentist or optometrist, standard cleanings and exams are free and most costs will be discounted.

Now… don’t you feel smarter!?

Learn More About Our Insurance Services!…

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