California Health Insurance

Individual/Family and Employer Group plans.

Individual & Family plans:

  • The 2020 Open Enrollment Period runs from October 15, 2019 through December 15, 2019 for a January 1 effective date.
  • Plans sold during the month of January will have a February 1 start date.

2020 Plans:

Blue Shield    –    Kaiser Permanente    –    Anthem    –    Health Net

If your household income is within the subsidy levels (scroll down page) you can enroll at Coveredca.com.  If your income is above the required levels you will need to enroll outside of the Covered California Exchanges.  Please click one of the company links below or call me at: 916-682-1117 with questions.

If you current policy is ending at the end of this year, be sure to compare your available 2020 plan options of feel free to contact me anytime with questions.

How to Enroll:

Enrollments are either “inside” the Covered California exchange or “outside” the exchange.  If a person qualifies for a subsidy or premium discount, then the individual or family would enroll within the Covered California Exchange.  The premium discounts are determined by how many household members are enrolling and what the total annual household income is.

If you do not qualify for a subsidy, then you would enroll outside the Covered California Exchange. Click on one of the links above for an individual or family quote, or feel free to contact me anytime with questions.

Enroll Today … Find the plan of your choice and simply enroll online.  It’s as simple as that!  Your new ID and policy will be mailed within a week and you can start using your policy right away.  I will be working 7 days a week during open-enrollment, so don’t hesitate to call.

Below is the Federal Poverty Level Chart.  If your household income is from 15% through 400% you and your family members will be eligible for a premium subsidy.  At 138% and below your children will most likely be placed in MediCal plans.

  • Platinum:  You pay 10% of health costs, plan covers 90%
  • Gold:  You pay 20% of health costs, plan covers 80%
  • Silver:  You pay 30% of health costs, plan covers 70%
  • Bronze:  you pay 40% of health costs, plan covers 60%

All plans will offer the “essential health benefits” such as; doctor visits, hospital care, prescription coverage and maternity care, and will include certain preventive care for no charge.

Employer Group Health:

Employer Small group (1 to 100 employees) and Large Group (over 100 employees), have different benefit levels offered to companies who choose to offer health insurance benefits to their employees and executives.

  • For a group health quote please contact me for details:  John Conner (916-682-1117)

The coverage levels are Platinum, Gold, Silver and Bronze.  All offering a different benefit level and coverage outline.  Platinum offering the highest level of coverage, and Bronze offering the lowest level.

  • Open-Enrollment Help.
  • View Current Group Rates.
  • Help with COBRA Administration.
  • Plan and Company changes.
  • Anthem, Aetna, Blue Shield, Kaiser, United Health Care, Health Net.

Help Paying for Coverage … Under the Affordable Care Act, eligible individuals and families can qualify for financial assistance to help with monthly rates and out-of-pocket healthcare expenses to ensure that everyone has easier access to quality healthcare coverage that’s affordable for them.  Covered California offers financial assistance depending on your income and family size (see the chart above).

The following table depicts incomes and federal poverty level percentages. Those making 138 percent of the federal poverty level or less may qualify for Medi-Cal, the low-cost or no-cost health insurance program in California.

Group Products:  Health, Dental, Vision, Disability, Long Term Care, Life.

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Advantages of a Group Health Plan:

A wide range of traditional (HMO and PPO) and consumer-driven (HSA and HRA) health plans.  Also, dental, vision, life and disability plans at competitive prices. Mix and match plans, employers can offer several plans for their employees to choose from.  Also, employers can choose how much to pay for their employees premiums; 100%, 75%, 50%, or a specific dollar amount.

Access to larger networks of doctors and hospitals for your employees and their families to choose from.  Most individual plan networks have been dramatically reduced over the past several years.

Larger Prescription drug services with Group Health typically offers a much larger “formulary” list of prescriptions offered with the different company plans.  Some companies also make prescriptions easy with a home delivery pharmacy program. It’s a fast and easy process for members and their families to get their prescription drugs delivered directly to their homes. It’s the ultimate convenience.

Tax Benefits for Your Business … Generally speaking, any expenses an employer incurs related to health insurance for employees or for dependents are 100% tax-deductible as ordinary business expenses, on both state and federal income taxes.

Better Employee Recruitment and Retention … Companies that provide group health coverage enjoy several advantages to doing so. Having group health coverage may:

Change Plans .. New Quotes .. Change Broker .. Enroll in new Plan

  • Lower hiring costs. Looking for, hiring and training new employees takes time and costs money. Offering health insurance helps you to recruit and retain talented employees.
  • Reduce absenteeism and decrease risks associated with poor health in the long run. When employees don’t have health insurance, they tend to wait longer to seek treatment, which can lead to the need to stay home from work or go out on disability. Healthy employees are less likely to injure themselves and more likely to do their jobs well.
  • Enhance your office atmosphere and improve morale. Employees tend to be happier and more satisfied with their jobs when they are offered group insurance. Some small employers indicate that their employees will accept slightly lower wages if those wages come with health insurance. In addition, employees can benefit tax-wise (see Tax Benefits above) and convenience-wise by paying premiums right from their paychecks.
  • If your employees earn a good living, they may not qualify for a state or federal subsidy if they enroll in an Individual health insurance policy on their own, resulting in very high premiums just to be enroll in their own plan, lessening financial worries of your employees.  With health insurance, employees feel more secure knowing they can pay medical expenses, especially in an emergency. That peace of mind can mean more focused and loyal employees.
  • Tax Treatment … California Health Insurance Group Plans: If you pay the cost of a health insurance plan for your employees, which may include an employee’s spouse and dependents, your payments are not considered wages and are not subject to social security, Medicare, and FUTA taxes, or income tax withholding.

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No Cost Help … there is no charge for my services.  The insurance companies provide a fee for me to help you with enrollment and service.

Please feel free to reach out to me by phone (916) 682-1117 or email at john@johnconner.com or simply complete the brief information request form below.

John Conner
916-682-1117
john@johnconner.com

Questions & Comments:

Anthem Health Insurance in California

Anthem Blue Cross Medicare Supplement2020 Anthem Covered California health plans and rates for Individuals, Families and children.

The annual open enrollment will start November 1 and ends December 15.  All enrollments from November 1 through December 15 will have a January 1 start date.

Enroll in an Anthem Plan

Other Companies:  Blue Shield   –   Kaiser  –  Health Net

All plans are guaranteed-issue basis, regardless of your current or past health status, as long as you enroll during an open-enrollment period.

2 Ways to Enroll:

Enroll “In or Outside” the Covered California Exchange .. Enrolling Inside the Covered California Exchange is typically for the individual or family who qualify for a subsidy (premium discount) due to their household income (see the chart below).  Individuals and families who do not qualify for a state subsidy, will usually enroll outside of Covered California (the plans are the same) although the application process is much quicker because you don’t have to state your income totals.

Enroll in an Anthem Plan

Anthem of California offers 4 levels of coverage both inside Covered California and out.  The plans are categorized into four metal levels of coverage based on the percentage of costs covered for an average population:

  • Platinum:  You pay 10% of health costs, Anthem plan covers 90%
  • Gold:  You pay 20% of health costs, Anthem plan covers 80%
  • Silver:  You pay 30% of health costs, Anthem plan covers 70%
  • Bronze:  you pay 40% of health costs, Anthem plan covers 60%

All plans will offer the “essential health benefits” such as; doctor visits, hospital care, prescription coverage and maternity care, and will include certain preventive care for no charge.

John Conner
916-682-1117
john@johnconner.com

Questions & Comments:

Blue Shield of California Health Plans

2020 Blue Shield Individual and Family Health Insurance Plans.  Review, compare and make changes during open enrollment.  Or now if you are exiting an employer health insurance plan.

How to Enroll …  click the Blue Shield link above to view quotes, see benefit

and coverage outlines and enroll online.  The enrollment process is very quick and easy.

If you household income qualifies you for a premium subsidy or discount, you will need to contact CoveredCa.com to help with enrollment.

Enroll today:  Blue Shield   –   Kaiser Permanente  –   Health Net

Find a Plan Design you can Afford … From the basic to the fully loaded, Blue Shield offers plans designed to fit your varying budgets and needs.  All of our plan options are compliant with the Affordable Care Act, and align with the four “metal” levels of coverage established by the law.  Ultimate (Platinum), Preferred (Gold), Enhanced (Silver) and Basic (Bronze).

  • Plan Coverage Levels:  Platinum, Gold, Silver and Bronze

Plus, all of our plans provide coverage for all the essential health benefits:  Ambulatory patient services, Emergency services, Hospitalization, Maternity and new born care, Mental health and Substance abuse, Prescription drugs, Lab and X-Ray, Preventive care, Pediatric services including dental and vision care.

Bronze (Basic Plan):  The Basic plan is designed for people who want affordable coverage with low monthly rates in exchange for a higher deductible for protection in the event of a serious medical emergency.  Benefits like preventive care and three doctor visits are available for a fixed copayment before meeting the deductible.

Bronze (Basic HSA Plan):  If you are looking for a plan with lower monthly rates and a way to better manage your healthcare coverage spending, look to the Blue Shield Basic Plan for high deductible health plans that are Health Savings Account eligible.  With an HSA, you can prepare for future medical costs by contributing pre-tax money to your own healthcare related expenses.  And preventive care is received before the deductible.

Silver (Enhanced Plan):  The Enhanced plan offers a good balance between you premium and your out of pocket costs.  You’ll receive benefits like doctor visits and generic drugs prior to meeting the annual deductible.  Other covered medical services, such as hospitalization, are covered after you meet the annual medical deductible.

Gold (Preferred Plan):  Our Preferred plan offers good coverage with manageable out of pocket costs, so it’s easier to predict additional expenses.  There are no deductibles, so Blue Shield starts paying for all covered benefits immediately, including popular benefits such as doctor visits, prescriptions and urgent care.

Platinum (Ultimate Plan):  Blue Shield’s Ultimate plan offers you the lowest out-of-pocket costs for medical services.  There are no deductibles, so we start paying for covered benefits right from the start.  By paying higher monthly premiums, you’ll usually pay less when accessing care for medical services such as doctor visits, prescription drugs and hospitalization.

Enroll Today:

Help with enrollment or if you have questions, please contact me anytime.

John Conner
916-682-1117
john@johnconner.com

Questions & Comments:

2020 Kaiser Permanente Health Plans and Rates

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2020 Kaiser Permanente Covered California health insurance plans for individuals and families.

Anyone can get Kaiser coverage as long as you live in a Kaiser service area.  You can no longer be denied coverage because of a medical condition, and you don’t have to pass a medical exam to qualify for a Kaiser health insurance plan.

Quote & Enroll Online

2020 Qualifying Events – Situations which allow you to enroll in a Kaiser plan “outside” the Open-Enrollment period:

  • Divorce, termination of domestic partnership or civil union.
  • Change in full time employment status.
  • Loss of employer sponsored insurance.
  • Voluntary or involuntary termination of employment.
  • Death of parent or spouse.
  • Change in dependent status – i.e. dependent child turning 26.
  • Existing coverage is being changed to a qualified health plan.
  • Marriage.
  • Domestic Partnership (in states which allow).
  • Birth of child.
  • Adoption of child.
  • Placement for adoption of child.
  • Guardianship or court order dependent.
  • Permanent move to a new state.

Other Companies:   Blue Shield   –   Anthem

Be sure to enroll by December 15 to receive a January 1, 2018 effective date. The only way to enroll in a plan after December 15 is if you have a “qualifying event” such as, you are coming off of an employer health insurance plan, or you move to an area where your current plan is not available or if you are moving on or off of MediCal.  There are a few other situations but typically if you miss the Open Enrollment period you will not be able to enroll for the balance of the year.

4 Levels of Coverage …  With all companies including Kaiser you will see four levels of coverage; Bronze, Silver, Gold and Platinum.  Each level provides a different level of coverage to meet your needs.  Bronze offering the lowest level, while Platinum is the highest.

All plans will offer the “essential health benefits” which are; doctor visits, hospital care, prescription coverage and maternity care, and will include certain preventive care for no charge.

Enrolling “On and Off the Covered California Exchange .. Enrolling “On” the Covered California Exchange is typically for the individual or family who qualify for a subsidy due to their income level.  Individuals and families who do not qualify for a state subsidy, will usually enroll “Off” Covered California (the plans are the same) although the premium amounts are quite different.

Health Care ... Almost everyone gets sick or hurt, or needs some sort of medical help.  To get better you usually need care, like seeing a doctor or staying in a hospital or taking prescription medications.  Health Care includes many different services such as; Doctors office visits, hospital stays, emergency room visits, X-Ray and Lab, prescription drugs, preventive care, well baby visits, well woman visits, immunizations and screenings.

Health Coverage Health Insurance is a lot like the insurance people get on their car or home.  Some people get their health insurance through their jobs, while others buy it themselves.  Without insurance, high medical bills can wipe out savings and even lead to bankruptcy.  Insurance helps protect you financially, if you have a serious illness or injury that requires extensive care.

How you Benefit … Peace of mind .. You shouldn’t have to worry how you are going to pay if you get sick, injured or pregnant.  Life is unpredictable, but when you have Kaiser, you have more control and you can rest easy knowing you are going to get the care you need.

Care when you need it .. You can see a doctor when you are sick or just need preventive care like a check up or screening.  You don’t need to ignore symptoms, or hope they’ll go away.  You can get treated before they get worse.

Kaiser:  Quick Quote & Enroll Online

 

Please contact me anytime with questions?

John Conner
916-682-1117
john@johnconner.com

Questions & Comments: