2018 Anthem Health Insurance

Anthem Blue Cross Medicare Supplement2018 Anthem Covered California health plans and rates for Individuals, Families and children.

Anthem is offering their 2018 plans in the following California Counties: Alpine, Amador, Butte, Calaveras, Colusa, Del Norte, Glenn, Humboldt, Lake, Lassen, Mariposa, Mendocino, Merced, Nevada, Plumas, San Joaquin, Santa Clara, Shasta, Sierra, Siskiyou, Stanislaus, Sutter, Tehama, Trinity, Tulare, Tuolumne, and Yuba county.

The upcoming Covered California open enrollment will start November 1 and ends January 31, 2018.  All enrollments from November 1 through December 15 will have a January 1 start date. Enrollments after December 16 through January 15 have a February 1 start.  Enrollments after January 15, have a March effective date.

Other Companies:  Blue Shield   –   Kaiser

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.

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.

Is your Deductible too high?

New $10,000 “Accident Plan” for only $26.50.

Pay for your deductible and other out of pocket costs. This is a great way to pay for your deductible and other out of pocket costs.

If you become injured and need medical care, National General will pay you up to your injury medical costs up to a maximum of $10,000 per injury.

Broken bones, ligaments, back injury, shoulders, falls, trips, cuts, etc.  They just don’t like extreme sports.

It doesn’t matter who you have health insurance through, National General will mail you check in the amount of the injury cost up to $10,000.  What you do with the money is up to you.

Here is the National General brochure:  Click here.

Feel free to contact me anytime with questions.

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

Questions & Comments:

Blue Shield Covered California Health Plans

2018 Blue Shield Individual and Family Health Insurance Plans.  Review, compare and make changes during the open enrollment.

The Covered California open enrollment will start November 1 and ends January 31, 2018.  All enrollments from November 1 through December 15 will have a January 1 start date. Enrollments after December 16 through January 15 have a February 1 start.  Enrollments after January 15, have a March effective date.

If you don’t qualify for a premium subsidy or discount, enroll right here, by clicking on the Blue Shield link below.

Enroll in a Blue Shield plan “Off” of the Covered California Exchange .. Enrolling Inside the Covered California Exchange is typically for the person or family who qualifies for a subsidy due to their income.

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 today:  Kaiser   –   Anthem

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).

Blue Shield also offers Get Covered (Catastrophic) plan.  Each plan varies according to price and amount of coverage, allowing you to find the premium, copay and deductible combination that’s right for your unique situation.

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:

Is your Plan Deductible too high?

Add a $10,000 Accident Plan for only $27.00 per month to your Blue Shield plan.

Monthly Premium:

  • One Person:  $27.00
  • Family of 4: $43.00

Pay for your deductible and other out of pocket costs in the event of an injury.

Very popular with families who are active or have kids.

If you become injured and need medical care, National General will pay you up to your injury medical costs up to a maximum of $10,000 per injury.

Broken bones, ligaments, back injury, shoulders, falls, trips, cuts, etc.  They just don’t like extreme sports.

It doesn’t matter who you have health insurance with, this is a separate policy.  National General will send the check to you.  What you do with it is up to you.

Here is the National General brochure:  Click here.  Contact me for more details.

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

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

Questions & Comments:

2018 Kaiser Permanente Covered California Health Plans and Rates

kaiser 1

2018 Kaiser Permanente Covered California health insurance plans for individuals and families.

The Covered California open enrollment starts November 1 and ends January 31, 2018.  All enrollments from November 1 through December 15 will have a January 1 start date. Enrollments after December 15 through January 15 have a February 1 start.  Enrollments after January 15, have a March effective date.

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.

2018 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.

Quick Quote:   Kaiser       Anthem       Blue Shield 

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.

Kaiser:  Quick Quote & Enroll Online

Is your Plan Deductible too high?

Add a $10,000 Accident Plan for only $27.00 per month to your Kaiser plan.

Monthly Premium:

  • One Person:  $27.00
  • Family of 4:  $43.00

Pay for your deductible and other out of pocket costs in the event of an injury.

Very popular with families who are active or have kids.

If you become injured and need medical care, National General will send you a check in the amount up to your injury medical costs up to a maximum of $10,000 per injury.

Broken bones, ligaments, back injury, shoulders, falls, trips, cuts, etc.  They just don’t like extreme sports.

It doesn’t matter who you have health insurance with, this is a separate policy.  National General will send the check to you.  What you do with it is up to you.

Here is the National General brochure:  Click hereContact me for more details.

Please contact me anytime with questions?

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

Questions & Comments: