Here are all the articles I've written about Subsidies. 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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June 23rd, 2017

What’s going on with healthcare today!?

Are YOU confused about healthcare?  We all are!  There are some VERY big things being discussed right now regarding healthcare insurance.  But we read all the articles and boil it down into an easily digestible stew.  Here’s the inside scoop from The Insurance Mom!

While a lot is happening in Washington, there’s even more urgent things happening here at home in CA.

SB 562 — The Healthy California Act — is working its way through Sacramento right now.   You probably won’t get to vote on it.

State Senators Ricardo Lara (D-Bell Gardens) and Sen. Toni Atkins ((D-San Diego) say they know what’s best for their constituents.   They say… “all Californians will have one plan, more choice.”  Huh?  What does that mean??

Welcome to Our Blog Series

The Insurance Mom wants her insurance family to be informed, insured, and inspired to engage in the future of health care.  That’s why I’ve written a blog series about Single Payer Health Care.  Tune in next week for some truly EYE-OPENING info on our insights of these concepts.

View Our Services

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March 13th, 2017

Is TrumpCare my Care??

The Insurance Mom is back to blogging after a very busy Open Enrollment!  Thank you to all our followers and lovely clients who sent along referrals.  We are very grateful for you!

 

It’s been an interesting end of 2016 and beginning of 2017.  With that, we are seeing a TON of proposed changes that could affect your health insurance.    But, we probably won’t know for quite some time.   Remember, it takes a while to un-law a federal law!

 

But what’s it all mean, Mom!?  My brain hurts with all the HSA, tax credits, tax penalties, cross-border, stuff!
Well, that’s why I’m here, sweetie!  To take your hand, and tell you to take a deep breath because it’s going to be a long time before we see any changes take places.  And so far, no one can seem to get close to agreeing what those changes will be.  Now that we’re all feeling a little better, let’s get back to our health insurance education.

 

Here’s a great article from the fabulous team at Vox which does great work at explaining things in a simple way.  But the gist is this… Trump proposes these things:

 

  1. Pre-existing conditions will not affected.
  2. The tax credit thing is going to change, likely based on age not income.
  3. Trump and the GOP really like Health Savings Accounts (HSAs).
  4. He wants to remove the plan restrictions.  So that whole metallic thing will likely go away and companies can design their own plans again.
  5. Trump is a little unclear about the Medicaid situation, but the GOP seems to want to decrease Medicaid enrollment.
  6. Trump would like to reduce costs of insurance and drugs.

 

Here’s the Insurance Mom’s takes on these things, by the numbers:

 

  1. Goodie.
  2. The GOP’s current proposal called the American
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February 11th, 2016

We made it! Open Enrollment is OVER!

Hello, Insurance Mom family –

 

Phew!

 

Open Enrollment for individual health insurance ended 1/31/16.     The Insurance Mom and her Helper Elves have been very busy taking care of everyone, and now we’ve got more time to talk about insurance-y stuff through our fabulous blog posts.

 

Open Enrollment is the time when anyone can get individual health insurance or make changes to their individual health insurance.

 

From now until January of 2017, you are locked into whatever individual insurance plan you have.   There are only a few exceptions to the rule … called Qualifying Life Events.  Like loss of employer coverage, marriage, divorce, relocation to a new state, etc.

 

Shocked to find that out?  You’re not alone.  Uninsured?   Snap!  The Insurance Mom has a solution for you!   Let’s talk ASAP so you don’t go broke paying for that unexpected (and expensive) medical thing… and it’s always unexpected and expensive!…

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February 20th, 2015

Open Enrollment Announcement! Extension!

Hello, kiddies!  The emails just started flying in.  The new news is that Open Enrollment has been extended on Covered California for those who are currently uninsured.  It will now end April 30th. 2015.

I was just about to post a funny piece on winding down from Open Enrollment, but I suppose that will wait until April!  Call The Insurance Mom if you’re uninsured and need help with getting new health insurance.…

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October 20th, 2014

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 participated in networks used by off-exchange plans.

The same problem may continue in 2015.  It could be tricky to navigate for consumers who get a plan through Covered CA.   For a little bit of guidance with Covered CA doctor networks, the LA Times created a map for you.  Click here!

But remember, not all plans/networks are available in all geographical areas.  And, networks can change from day-to-day.

One bit of good news:   Anthem Blue Cross has made it clear that doctors MUST be in both off-exchange individual networks AND on-exchange Covered CA networks,  or they will not be doing business with Anthem Blue Cross at all!

Double check with all your doctors in which networks they will be participating for 2015 before making a decision about your health insurance!  Listen to your Insurance Mom . . . mother knows best!…

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October 20th, 2014

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.    Not all of the rates have been approved by the CA Department of Insurance.    But we do know the word on the street from going to conferences and doing lots of reading.  The Insurance Mom is here to translate!

There were a couple of great articles by Chad Terhune in the LA Times on 10/3/14 and 9/28/14.   For plans purchased through Covered CA, weighted increases in 2015 will range from 4.2% to 8% statewide (depending on where you live, it could be lower or higher).

But… actually using the plans is a whole different story!  That prompted two blog more posts about doctor networks AND why everything is so different after the ACA.  Click the links to read all about it!…

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August 18th, 2014

Are you OK with one person taking control of what happens to your medical bills?

I don’t think I’ve ever politicized a blog post.  This could be a first.   So you’ve gotta know how important it must be.

Proposition 45 will be on the ballot in November.  Prop 45 is a flawed, deceptive measure that will increase costs for consumers and (maybe) harm the quality of our health care.

A special interest group (of course!) is sponsoring Proposition 45, an initiative on the November 2014 ballot that gives ONE POLITICIAN (the Insurance Commissioner) new power over your health care – including your premiums, co-pays, deductibles and even the treatment options your health insurance covers.

This is bad.  This is very, very bad.

We all want to control health care costs – that’s why California has a new independent commission with the authority to negotiate rates with health plans and reject them if they’re too expensive. We should give this commission a chance to work, NOT give more power to a single politician who can take campaign contributions from special interests.

There are many reasons why Prop 45 is NOT a good idea.   And they all might cost YOU a lot of money.

1.            Prop 45 gives one politician just too much power.

2.            Prop 45 creates a more costly bureaucracy.

3.            Prop 45 is sponsored by special interest (lawyers, lawyers, lawyers!) who could make a LOT of money under this measure.

Be wary of what’s on your ballots, kiddies.  The Insurance Mom doesn’t want you and the whole state of California to get caught in a terrible mess caused by Prop 45.

Ask yourself this:   Do you trust one politician to dictate what will happen to your health and finances?

With one elected official in charge, you won’t have any input – nor will doctors or hospitals – on the best decisions for your …

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