Category Archives: Health

Health Insurance

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Individual & Family health insurance …

Everyone in the U.S. is eligible for an individual and family health insurance policy of their choice regardless of health status.

If your income falls between certain guidelines you will qualify for a subsidy, below are the income ranges to qualify for a premium subsidy.

ACA subsidy levels 2015

Enroll Today … Choose one of the companies; Anthem and Blue Shield.  Find the plan of your choice and simply enroll online.  It as simple as that!  Your new ID and policy will be mailed within a couple weeks and you can start using your policy right away.

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Group Health .. solutions that grow right along with you …

No matter what size business, we offer a full range of health insurance options for small group employers that provide affordability for you and flexibility for your employees.  Learn about our coverage options, we’ll match your business needs with high quality plans that are comprehensive and budget minded.

Aetna   –   Anthem   –   Blue Shield   –   Health Net   –   Kaiser

Ready for simple and affordable?

Sit back and relax .. and let our solutions work for you.  As part of the largest health benefits company in the country, we have the experience, strength and stability to create and stand by solutions that work for you and your employees.  We’re proud to work with you now and as your business grows, helping you keep it simple and affordable every step of the way.  In times like this, isn’t it good to know we are working hard to help your company and your employees save money on health care costs.

Your employees will also appreciate the personalized programs that help manage and coordinate care for more than 40 chronic conditions. 360° Health can help your employees at all stages of their lives, and wherever they are along the health spectrum.

Call for a custom group health quote today … 916-682-1117

Free Service … Our advice and services are free of charge, and the premium you pay should you buy a policy through us will never be higher than going direct to the insurer.

Questions?

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

2015 Covered California Health Insurance Plans

New 2015 Individual & Family Health Insurance Plans (Affordable Care Act – ObamaCare) health plans and rates for Individuals, families and children.  Health Insurance is now offered on a guaranteed-issue basis, meaning you can enroll in any company health insurance plan regardless of your current or previous health status.

Subsidy? … Depending on your household income, When you enroll in a new health insurance plan for yourself or family you may be eligible for a subsidy (discount) which may drastically decrease the monthly premium.  Subsidy eligibility depends on “household income.”  You can see the income chart below.

Open-Enrollment … Every year you will enjoy an “Open-Enrollment” period typically from October 1 through December 15, which allows you to view the health insurance plans and premiums in your area and any changes which may occur for the following year.  This is the time you will make any changes with your current company or enroll in a new plan/company.  for the following year.  Changes can only be made during the open-enrollment period unless there is a “qualifying event” which may allow you to change plans outside the annual open enrollment period.

ACA subsidy levels 2015

4 Levels of Coverage … With all companies you will find 4 levels of coverage.  The plans are categorized into four “metal levels” of coverage based on the percentage of coverage the company’s pay.

  • 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.

Enroll Online with the company and plan of your choice … Remember, enrollment in a health insurance company is guaranteed, regardless of one’s health history or current health status.  The enrollment process is quick and easy with much less personal information then when insurance companies would medically underwrite.

Do I have to enroll during Open Enrollment?  If you choose not to enroll in an “Affordable Care Act” plan in 2015, you will be fined and the penalty will be the greater of 1% of your taxable income or $95 per adult and $47.50 per child (up to $285 per family).

You can choose to buy insurance from an insurer from your state of residence.  You must keep your plan for the entire year unless you start on an employer health plan or move to an area where your plan is not available.  Also if your income drops to where you are eligible for Medicaid.  Otherwise you must keep your plan or face the fine.

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, lab and X-ray, prescription drugs, preventive care, well baby visits, well woman visits, immunizations and screenings.

Anthem   –   Blue Shield

Questions?

John Conner
800-700-1246
john@johnconner.com

2015 Anthem Blue Cross Individual Health Insurance

2015 Anthem Blue Cross Individual & Family health plans and rates for Individuals and Families.  Individuals, families and children are now offered health insurance plans on a guaranteed-issue basis, regardless of your current or past health status.

2 Ways to Enroll …

Enroll “On or Off” the Covered California Exchange .. Enrolling Inside the Covered California Exchange is typically for the individual or family who qualify for a subsidy due to their 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.

Anthem of California will offer 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:

ACA subsidy levels 2015

  • 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.

What is a Health Insurance Marketplace?  It’s a website that is set up to allow the government to regulate health insurance plans.  People can buy health insurance from the marketplace (Covered California) with government aid called subsidies.  All Health Insurance Marketplaces like Covered California must be fully certified and running by January 1, 2015, by federal law.  Also known as an “Exchange.”

Do I have to buy from the Health Insurance Marketplace Covered California Exchange?  You can choose to buy insurance from an insurer like Anthem from the state Insurance Marketplace (Covered California).  If you are eligible to get a subsidy and want to use one, you must buy your plan from a Health Insurance Marketplace like Covered California.

What are my Health Care Reform plan choices in 2015?  Under the new health care law, all new plans fit in one of four levels: bronze, silver, gold or platinum.  These levels make it easier to compare costs and benefits so you can choose the right plan for your needs.

Anthem   –   Blue Shield 

Questions?

John Conner
John@JohnConner.com
916-682-1117 – phone
916-258-0296 – fax

2015 Kaiser Permanente Covered California Plans and Rates

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2015 Kaiser Permanente Covered California health insurance plans for individuals and families are now available.

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.

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.

Be sure to enroll by December 31 to receive a January 1, 2015 effective date.  After that, the next available effective dates are: February 1st and March 1st.  The only way to enroll in a plan after March 1 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.

ACA subsidy levels 2015

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.

Quick Quote …  Anthem   –   Blue Shield   –   Kaiser 

Stay on a Healthy Course .. Preventive care helps you catch minor symptoms before they become problems.  Screenings like mammograms and cholesterol level tests can catch problems early, when they are easier to treat.

Quick Quote     Enroll Online

  • Trip Insurance – Trip cancellation, medical coverage and emergency evacuation while traveling outside the U.S.  Medicare does not provide any coverage outside the U.S.

Need Help or have Questions?  Feel free to call or email anytime.

John Conner
916-682-1117
John@JohnConner.com