Yearly Archives: 2013

We Sell Covered California Plans!

  We help you get the most affordable coverage that meets your needs! (If you have insurance with your employer, this letter may not apply to you) The Individual Mandate of the Affordable Care Act-ACA (ObamaCare) takes effect on January

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Posted in Health Reform

Do I Have to Get Health Insurance?

The simple answer is YES or pay a tax penalty. There has been confusion about this lately because of the recent Obama administration’s decision to delay penalties for employers who don’t offer health insurance until 2015. The unfortunate consequence of

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Posted in Health Reform

What does Medicare NOT cover?

Original Medicare (Part A & B)  does NOT cover everything. For example, it only covers 80% of Medicare approved services. This is why many people add prescription drug coverage (Part D) and Medicare Supplement insurance OR purchase a Medicare Advantage plan

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Posted in Guide

What is the Birthday Rule for Medicare?

Medicare may be a federal program, but California has a great Medicare Supplement (Medigap) law known as the “Birthday Rule”.  This rule gives Californians the option of changing their Medicare supplement with NO Medical Underwriting for up to 30 days

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Posted in Guide

What is the Medicare Open Enrollment Period?

If you currently have Medicare, you can change your coverage choice once a year during the Medicare Open Enrollment Period (OEP). The OEP starts on October 15 and ends on December 7 every year. The Medicare Open Enrollment Period is

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Posted in Guide

What is Medicare?

Medicare is a federal health insurance program that covers millions of Americans. In general, you are eligible for Medicare if you are 65 or older, or you are younger than 65 and meet criteria for certain disabilities. The Medicare basics

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Posted in Guide