February 17th, 2012 
KJensen February is the month that the American Heart Association challenges us to take better care of our hearts and wear red to remind each other that heart disease is the number one killer of women, killing more women than all forms of cancer combined. Elizabeth Banks manages to inject humor into a very serious subject, and teaches us all the signs of a heart attack.
Posted in Insurance, You at Home, You at Work, Your Doctor 
Tags: American heart association, atherosclerosis, causes of heart disease, controlling heart disease, coronary artery disease, Elizabeth Banks, health insurance agents (California), Heart Attack video, Heart attacks and women, heart disease, high blood pressure, high cholesterol, individual medical insurance plans, low cost individual health insurance, overweight, plaque build up in the heart, signs of a heart attack, signs of a heart attack in women, smoking 
No Comments » February 16th, 2012 KJensen If you are over the age of 64, or if you know someone approaching 65, you are probably considering options for health care coverage and have many questions about Social Security, Medicare, prescriptions and everything else as well as how it all coordinates together. Click here for other quick tips on picking an individual health insurance plan.
What is medicare, who is eligible, and when are they eligible?
Medicare is health insurance for people age 65 or older, under 65 with certain disabilities or any age with End-Stage Renal Disease (permanent kidney failure).
Is Medicare the same as Social Security?
Posted in Insurance, You at Home, You at Work, Your Doctor Tags: a health insurance agent in your area (California), age 65 health insurance, aging parents health insurance, an individual medical insurance plan, coordination of medicare benefits, dependents when I choose medicare, grandparents and health insurance, Health insurance, Health insurance for college students or health insurance for children, health insurance for seniors, high deductible medicare insurance supplement, HMO, hospital coverage, individual health insurance plans, MA-PD, medical, medical insurance quotes, medicare, medicare advantage plans, medicare and social security, medicare for seniors, medicare insurance supplement plans, medicare part A, medicare part B, medicare part C, medicare part D, medicare questions, medicare RX, prescription, social security, supplemental insurance policies No Comments » November 14th, 2011 KJensen This is open enrollment time, when Americans that have health insurance through their work can review their health insurance coverage. And if you do not have health insurance, all of the advertisements about open enrollment may motivate you to consider getting a health insurance plan. Where to start? What do you need? What are your options? Here are 10 questions you need to answer when shopping for health insurance or reviewing your health insurance coverage.
1) Relationship status: single, married, family? Has your status changed? Are you going through a divorce?
Posted in HSA, Insurance, You at Home, You at Work, Your Doctor Tags: buying health insurance, changes to health insurance, copay, deductible, divorce, health insurance for families, health insurance for kids, health insurance for men, health insurance questions, HSA, maternity coverage, open enrollment, premium, shopping for health insurance, understanding health insurance, what kind of health insurance do I want No Comments » October 14th, 2011 KJensen Health insurance is very confusing, and that is because health needs are unique for everyone. Age, family history, personal health history, life plans are different for each person seeking health care, and what your needs are affect the type of insurance you need. In order to make informed decisions, and purchase a health insurance plan that will help you stay healthy and treat you when you are ill, there are certain questions you should ask. The tips below will help you find out how to choose a quality health plan, doctor and hospital. And, get a quote on health plans here.
Posted in Insurance, You at Home, You at Work, Your Doctor Tags: choosing a doctor, choosing a health plan, choosing a hospital, good health insurance, Health insurance, health insurance consumer ratings, health insurance consumer satisfaction, health insurance for families, health insurance plans, how to buy health insurance, how to pick a health plan, what kind of health insurance do I need, what to look for when buying health insurance No Comments » September 9th, 2011 KJensen The Health Reform Law, the Patient Protection and Affordable Care Act, signed by President Obama on March 23, 2010, gives a tax credit to certain small employers that provide health coverage to their employees, effective for tax years beginning in 2010. As the tax filing extension deadlines near, the IRS and the Department of Health and Human Services (HHS) announce a new round of outreach to Small Businesses and Practitioners about the small business health care tax credit.
Posted in Employees, Insurance, Self-employed Health Insurance, You at Work Tags: alternative minimum tax and health care credit, average premium for health care credit, business owner taking health care credit, calculating the health care credit for families, calculating the health care credit for S corps, calculating the health care tax credit, deduction for employee health insurance premiums, deduction for health insurance premiums, full time equivalent employees, health care for small business, Health care tax credit, health reform law, IRS notice 2010-44, IRS notice 2010-82, maximum health care credit, patient protection and affordable care act, qualified arrangement, qualified employer, self employed health care tax credit, small businesses, tax credits for small business No Comments » September 9th, 2011 KJensen Health Care Reform requires health plans to cover adult children to age 26. For plan years effective after 9/23/10, plans that cover dependent children must also provide coverage for adult children through age 26. However, this new rule does not allow out of pocket expenses for these adult children to be reimbursed out of HSAs. Check out more blogs about HSA’s.
This brings up a number of questions for HSAs. These talking points should help you when discussing the impact to HSAs on your family. Review the rules for determining dependent status.
Tax Dependent v. Non-Tax Dependent Child
Posted in Children's Health Care, Employees, Family Plans, HSA, Health Reform, Insurance, You at Home, You at Work Tags: adult child setting up his own HSA, cheaper health insurance ideas, do people in their 20s need health insurance, Health Care Reform, health insurance for students, health insurance for young adults, HSA’s, keeping your kids on your health insurance, mistaken distribution form, mistaken distributions, patient protection and affordable care act, reimbursement for out of pocket expenses for adult children, student health insurance, tax dependent v. Non-Tax dependent child, who is a dependent, why buy health insurance No Comments » September 1st, 2011 KJensen The Health Reform Law, the Patient Protection and Affordable Care Act, signed by President Obama on March 23, 2010, gives a tax credit to certain small employers that provide health coverage to their employees, effective for tax years beginning in 2010. As a small business owner, what does this mean to you? Are there real tax savings from providing health insurance coverage to your employee? Maybe. Use the following as your guide when talking to your tax preparer:
How does this affect the normal business deduction for expenses paid for employee health insurance premiums?
Posted in Employees, Health Reform, Insurance, Self-employed Health Insurance, You at Home, You at Work Tags: alternative minimum tax and health care credit, average premium for health care credit, business owner taking health care credit, calculating the health care credit for families, calculating the health care credit for S corps, calculating the health care tax credit, deduction for employee health insurance premiums, deduction for health insurance premiums, full time equivalent employees, health care for small business, Health care tax credit, health reform law, IRS notice 2010-44, IRS notice 2010-82, maximum health care credit, patient protection and affordable care act, qualified arrangement, qualified employer, self employed health care tax credit, small businesses, tax credits for small business No Comments » August 5th, 2011 KJensen 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:
Posted in Family Plans, Health Care 101, Health Concerns, Health Reform, Insurance, Self-employed Health Insurance, You at Home, You at Work Tags: cheaper health insurance ideas, do people in their 20s need health insurance, Health Care Reform, health insurance for students, health insurance for young adults, keeping your kids on your health insurance, patient protection and affordable care act, student health insurance, who is a dependent, why buy health insurance No Comments »
