Here are all the articles I've written about Health Insurance. Enjoy!

October 15th, 2018

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 business owner.   WATCH OUT!

For more information or to sign-up and have YOUR voice heard please visit I’m Independent to protect your rights as freelancers and/or a business owner.

Dynamex Operations West Inc. v. Superior Court (Dynamex) could require many 1099 independent contractors to become W-2 employeesand YOU won’t have a choice.

The ABC test determines WHO is an independent contractor or an employee.    You will be Independent Contractors ONLY if the hiring entity is able to PROVE ALL THREE of the following:

     (A)    That the worker is free from the control and direction of the hiring entity in connection with the performance of the work, both under the contract for the performance of the work and in fact;

     (B)    That the worker performs work that is outside the usual course of the hiring entity’s business; and,

     (C)    That the worker is customarily engaged in an independently established trade, occupation, or business of the same nature as the work performed.

You should be VERY alarmed!!   The Dynamex ruling is now CA State law and will NOT be appealed.

freelancers independent contractors

The new standard could potentially reach back four years which could financially destroy your business even if you were fully compliant in operating under the previous standard of Independent Contractors.

Hmmm… I have questions:   Who is going to be the watchdog?   The regulators?   The enforcers?   Are small businesses at risk as much as large businesses?    How will the regulators know who’s …

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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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April 2nd, 2018

Have YOU heard about the MEDICARE updates?

Sooo… what’s all the buzz about the ALL NEW Medicare updates?
NEW MEDICARE ID CARDS ARE ON THEIR WAY!
No more Social Security numbers.
Starting this April, the Centers for Medicare Services (CMS) will be rolling out their NEW ID cards.
There’ll be one with YOUR name on it… and a BRAND NEW Medicare ID number. So watch your snail-mail box!
Make SURE your mailing address is up-to-date. Go to the Social Security website or call 1-800-772-1213.
But don’t panic if your NEW ID card doesn’t show up right away… this is going to take some time and I’m sure there’ll be hiccups.
CMS is rolling out the new models over the next 12 months and California is supposed to be in the first wave (we’re so special!)
ONLY your ID card is getting a make-over and a NEW ID number — no changes in benefits!
*** If you pay your Medicare premiums at your bank’s Online Bill Pay service, update your account with your NEW Medicare ID number (no dashes).
*** If you pay by check, write your NEW Medicare ID number on your check.
*** Remember to give your doctors your NEW Medicare ID card the next time you pay them a visit.
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February 14th, 2018

You think YOUR insurance company is bad?

You think your insurance company is bad?! Check out the latest bovine defecatory material about Aetna from CNN.

We all know medical claims can be a nightmare to handle… How would you feel if something like this happened to YOU?

The Insurance Mom says BE YOUR OWN BEST ADVOCATE!   Stay involved.  Keep informed.

 …

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August 22nd, 2017

Truth or (do you) Dare About Medical Care?

Thank you for coming back!  This is our final and MOST IMPORTANT segment for our medical care blog series, Are YOU ready for Single Payer?  The whole reason we dove into this topic was because of SB 562, the Healthy California Act.

On 6/23/17, CA Assembly Speaker Anthony Rendon (D-Lakewood) shelved the proposal saying it is “woefully incomplete” and has postponed any further legislative action until 1/18/18.

At the very least, this will give the CA Senate and Assembly time to address some of the serious flaws in SB 562, including the lack of a funding mechanism, zero public accountability and no way to control or manage medical care and costs.

While this bill is off the table for now, it will be sure to zombie.  If it IS resurrected next year, you might not get a chance to vote on this bill.   But YOU will pay for it.

As it was written, SB 562 estimated an annual price tag of $460 BILLION – and that’s just to start.  The current healthcare budget is $60 billion.  That’s QUITE an increase.

  • Proponents don’t really balance the books when it comes to the tax burdens which could be put on all of us. When it costs too much, employers will start the lay-offs… that means you!   And there’ll be no more $$ going into the unemployment trust fund… so you’ll be on your own.
  • SB 562 – like the ACA — doesn’t have any language addressing the cost of getting medical care (which, let’s face it, is already out of control!)

The Insurance Mom is worried about you.  She wants everyone to have easy access to medical care.  The Insurance Mom thinks SB 562 is alarming. Why?  Well, I’ll tell you!

Under this proposed bill, you will be forced to …

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August 11th, 2017

The Truth About Single Payer System

Thank you for tuning in and educating yourself about Single Payer!  This is part seven in our series, “Are YOU ready for Single Payer System?”

The Insurance Mom wants you to know all sides of the insurance equation and really understand that “FREE MEDICARE FOR ALL” is very misleading and all political spin.   There’s nothing “free” about it.

“If you think health care is expensive now, wait until you see what it costs when it’s free.”  — P.J. O’Rourke

Let’s unpack the potential pitfalls and hidden risks for moving to a Single Payer system, shall we?

  • RATIONING health care will be the new norm.   To repeat… that means you won’t get to go to any old doctor whenever you want.  You’ll likely have to wait a VERY LONG TIME to see a doctor, and even longer to see a specialist.  The CA government will be rationing your care.  You’ll get used to waiting lists before ever getting into the waiting room.  WHA!?
  • RX restricted accessibility for advanced and expensive prescriptions
  • TAXES Boy, will they increase.  For all of us.  In the proposed SB 562, personal income taxes could go up by $9200 for everyone, and increase every year. If CA continues to fight for single payer, it will need you and I to hand over at least $179 BILLION in new state taxes to pay for a health care system run by the State of California.  Remember too… no more Medi-Caid / Medicare.  So we’re counting on the Feds to give CA all that money too… and none of THAT is guaranteed.
  • LOSS OF DOCTORS Doctors who don’t get paid well by a Single Payer system, will probably leave CA… why bother staying?
  • LACK OF ASSISTANCE  And if you need help with your coverage, your only call will
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August 7th, 2017

Public Impressions on Single Payer Insurance vs. Reality

Welcome to our sixth in the series, “Are YOU ready for Single Payer Insurance?”

 

 

Check out the above eye-opening graphic.  Words matter, don’t they?  While each of these things are different slightly (as we covered last week), the concept is the same.

CA Assembly Speaker Anthony Rendon (D-Lakewood) shelved SB 562 on 6/23/17 until January 2018, but that doesn’t mean the conversation is over.

The Insurance Mom wants you to understand socialized medicine for the future.  Don’t shrug… it’s inevitable that this will come to a vote one day, be it in CA or nationwide.

Here’s the skinny… similar programs in Oregon and Vermont failed, and shut down within 2 years (most recently in 2014).   Last year, Colorado voted down Single Payer insurance by an overwhelming 85% vote.    Why?  It all comes down to money, honey.

Tune in next week where we break down the dollars when it comes to the systems proposed in the now-sleeping-but-not-dead SB 562.          

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July 28th, 2017

What the heck IS single payer plan?

Thanks for tuning in to The Insurance Mom’s blog.  Last week, we opened the convo by talking about California’s SB 562, aka Healthy California.    Two State senators are proposing a single payer system.  But let’s unpack what that really means.

Single Payer = “Rationed” Medical Care

ICYMI, the CA Senate advanced a bill to the Senate.   SB 562 – The Health California Act.  And then… On Friday, 6/23/17, CA Assembly Speaker Anthony Rendon (D-Lakewood) shelved the proposal saying it is “woefully incomplete” and has postponed any further legislative action until January 2018.

What does single payer mean?    The government will run your health care AND impose higher taxes on all of us.

It will be illegal for a doctor to perform services not included in the state’s Single Payer Plan.

It will be illegal for an insurance company to sell policies which duplicate any services covered under the state’s proposed Single Payer plan.

Single-payer advocates believe, on principle, that health care is best when it is “free to the patient at the point of care.” On the back end, of course, you still pay for it in higher taxes, and in between, the government decides whether or not you should be allowed to have that knee replacement or that mammogram. This is what we call rationing.

“Socialism is fine until you run out of other people’s money.”   — Margaret Thatcher

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July 17th, 2017

Pack your bags – we’re goin’ on a trip around the health care delivery system!

The Insurance Mom mentioned in last week’s post that there seems to be a huge misunderstanding of how America’s health care delivery system compares to those of other countries.   The divine Michael Lujan, shares his expertise:

The UK Model – In this mostly single-payer model, healthcare is provided and financed by the government through taxes. Except for small co-pays for prescriptions, there are no co-pays or deductibles as health care is delivered as a public service, like fire and police. With Britain’s National Health Service, most doctors and hospitals are owned by the government and patient wait times can vary by region or treatment type. As the sole payer, the government controls what doctors can do, and what they can charge. Our Veterans (VA) system is a close example. They also have private insurance options.

The Canadian Model – With this “National Health Insurance model”, the providers are private but the payer is a government-run insurance plan everyone pays into. Our Medicare system is a close example of this model. The private insurance plans are non-profit and manage their costs by limiting or delaying care.  Canada’s decentralized health system (coincidentally called “Medicare”) is technically a multi-payer system with slight differences for each of their ten provinces and three territories; some provinces/territories have co-pays at the point of care and others don’t.

The German Model – In this multi-payer system, providers and payers are private and largely funded through employer-based payroll deductions. Patients have co-pays at the point of care. The world’s first national health system (established around 1883) offers citizens 135+ private insurance plans called “sickness funds”. These private insurers negotiate prices with private hospitals and providers. Patient wait times are shorter than U.S. patients typically experience. This is the health care delivery system most familiar to …

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