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We help you get the most affordable coverage that meets your needs! The Individual Mandate of the Affordable Care Act-ACA (ObamaCare) takes effect on January 1st, 2014 and requires every U.S. citizen to acquire Health Insurance individually or from their…
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…
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…
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…
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…
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…