Archive for the ‘Health Care 101’ Category


Top 5 Lessons Learned for Covered California’s Second Enrollment

Top 5 Lessons Learned for Covered CA’s 2nd Enrollment

We are on the eve of Covered CA’s 2nd open enrollment period, consumers be ready. Here is a list of the top 5 lessons learned from the first open enrollment period that will help those that need to buy health insurance during the 2nd open enrollment:covered-ca-head-banging-guy

No. 1) Use an agent. You will need one.

I realize that sounds like a shameless plug, but the facts from Covered CA’s first enrollment strongly back up the value of certified agents, so much so that Covered CA is redoing its marketing plan to notify consumers of agents available in their area, via storefront, internet or telephone.

Elect COBRA or Get Obamacare?

COBRA-or-Obamacare-two-signs-cartoonElect COBRA or Get Obamacare? Health Care Reform (Obamacare, The Affordable Care Act, ACA) may dramatically change the number of terminated employees that elect COBRA.  Why?  Because Obamacare has created many more options for terminated employees, including the possibility of receiving an advance premium tax credit (also known as subsidy)  for terminated employees that qualify.

What exactly is COBRA, and why was it the only option for terminated employees prior to Obamacare?

A Check From My Insurance Company, Why?

Author: Kelley Filice Jensen

Your daily trip to the mail box just got more interesting, you received a check from your health insurance provider.  But, why?  What is it, and is it taxable to you?  What if you have insurance through your employer, will you get a check, or rebate?

Why are you receiving this check from your health insurance provider?

Many major medical insurance carriers (Anthem Health Insurance, Kaiser Insurance, Blue Shield Health Insurance, to name a few) have begun issuing rebates to affected customers.  This rebate is the result of the health insurance provider’s MLR or Medical Loss Ratio calculation.

Temporary Medical Insurance Plans

Author: Kelley Filice Jensen

Temporary Medical Insurance might sound like a good idea if you are in between jobs, have a waiting period before benefits eligibility at your new job, were recently laid off….but, what is the difference and savings between an individual medical insurance plan and a temporary medical insurance plan, and are there worthwhile savings on with a temporary plan?

What is temporary medical insurance and how is it different than regular individual insurance?

Temporary medical insurance plans expire after a period of time, and regular individual medical insurance plans do not.

Getting Your Adult Children Off Your Health Care Plan

One of the first changes of health care reform (The Patient Protection and Affordable Care Act) effects people under the age of 26. Previously, once a person turned 19 and was no longer a full time student, he could not be covered under his parents’ health care plan. What this meant is that people in their 20’s often went uninsured. Click here to learn who is a dependent for health insurance purposes. However, effective September 23, 2010 a person can remain on their parents’ health insurance plan until the age of 26. That is certainly better than being uninsured, but it is the most affordable option for parents? Probably not. Compare health insurance rates now. Here is the case for getting young adults their own health insurance plan:

Supportive Devices (Casts, Splints, Braces)

Author: Kryijztoff (Kryz) Novotnaj, BHA, GBA, CBP, CCMA, CWS, MPHi-CE

With summer fast approaching, many people are getting outdoors, kids are playing sports, everyone is enjoying beautiful weather, and, breaking their bones. Accidents happen, and when they do, supportive devices like casts, splints and braces are necessary to the healing process.

Emergency Room or Urgent Care?

How to choose


According to some estimates, more than three-quarters of the people who visit an emergency room do not need to be there. Many of these patients are likely better candidates for a visit to an urgent care center.

Do You Really Need the ER?

Emergency rooms are located in hospitals and are staffed by medical doctors who use sophisticated equipment to handle life-threatening injuries and illnesses, and other serious medical conditions such as difficulty breathing or sudden severe pain.

H1N1 Vaccine


Health and wellness tips for your work, home and life—brought to you by the insurance and health care specialists at eIndividualHealth.


H1N1 Vaccine

Everything you need to know


Novel H1N1 (commonly referred to as swine flu) is still a threat this flu season, but scientists have worked hard to develop a vaccine. The Food and Drug Administration (FDA) has recently approved this vaccine and government officials expect it to become available by mid-October.

How is it Spread?

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