Posts Tagged ‘Health insurance’


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.

Medicare Eligible. Can My Adult Child Stay On My Work Insurance?

Kelley-Jensen2Author:  Kelley Filice Jensen

I am 64 years old.  I still work and have my health insurance through my job, but I am thinking about enrolling in Medicare around my 65th birthday, regardless of whether I retire or not.  If I do that, can my child stay on my work’s insurance plan?   He is 23 years old, and a full time student with a part time job that does not offer health insurance.  I am worried about what will happen to him if I go elect Medicare coverage.

Test Your Knowledge of Health Care Reform

Kelley-Jensen2Author:  Kelley Filice Jensen

Last week marked the 3rd anniversary of health care reform, formally, The Affordable Care Act (ACA).   Where does the average American stand on the law?  Do they understand it?  Are there misconceptions?  Will they purchase affordable health insurance, in accordance with the individual mandate, or just stay uninsured?  Kaiser Family Foundation (KFF)  , a non-profit, non-partisan foundation that researches and produces health policy and health information in the United States and around the world, released a new Health Tracking Poll detailing America’s current knowledge, expectation, and opinion of The Affordable Care Act.

Why Not Just Stay Uninsured?

Kelley-Jensen2Author:  Kelley Filice Jensen

March 23, 2013  is the 3rd anniversary of The Affordable Care Act (ACA).
When the major portions of the law take effect in 2014, will the nearly
50 million people who are uninsured decide to purchase health insurance,
or chose to stay uninsured?  What incentive do they have to purchase
health insurance, why not just stay uninsured?


First, let’s recap the reasons people do without health insurance:

1)       It is too expensive

2)       They had  it in the past and nothing was covered anyway

We Can Help Get You Covered, California

Kelley-Jensen2Author: Kelley Filice Jensen

Health Care Reform has made health insurance affordable, available, reliable, and real, but health care reform has not made health insurance less confusing… to get the guidance you need, talk to an expert:  a health insurance agent that has years of experience with health plans and health carriers.  Health Care Reform is new, but health insurance is not, so put our knowledge, guidance, reassurance and expertise to work for you and your family.  Click here for a free quote. 

We can help you:

Covered California is CA’s Health Insurance Exchange

Kelley-Jensen2Author: Kelley Filice Jensen

An exchange, also known as Affordable Insurance Exchange, is a State-based, supervised, competitive market place where individuals and small businesses can purchase affordable health insurance. States can design an exchange catered towards its citizens. In addition, the Affordable Care Act (ACA) provides further details and guidance on the purpose, scope, and operation of each exchange. Think of an exchange as similar to the NASDAQ or The New York Stock Exchange.

No More Work From Home, Will Yahoo Start A Trend?

Kelley-Jensen2Author: Kelley Filice Jensen

“Me, Me, Me…” There has been a lot of me from people in cyberspace over a leaked internal memo from Yahoo’s CEO, Marissa Mayer, disallowing Yahoo employees to work from home.  Bloggers, writers and consultants from every corner of the world have attacked social media with their own personal testimonials, time sheets, and productivity assessments.  As far as I can tell, none of them are Yahoo employees, so Yahoo’s decision should have nothing to do with them, and yet they are personally affronted.  But their myopic response to Yahoo’s unique corporate environment actually makes a point against working from home:  the inability to separate yourself, think collaboratively, and consider the greater need of the company or team you are supposed to be a part of.  Perhaps the visceral reaction was out of a fear that Yahoo would spark a trend and ruin a good thing for a lot of people that enjoy working from home.  If this does become a trend, what can people do to demonstrate their effectiveness from a remote location?  Michelle Montoya, MLR, SPHR, human resources consultant and specialist offers practical advice for employers, employees, and independent contractors on this debate.

New Terms from Health Care Reform

Author: Kelley Filice Jensen

Health Care Reform, Obamacare, The Affordable Care Act….all names used interchangeably for the most expansive change in the way Americans will pay for health care after 2014. Here are many new terms to come out of this law, here is a glossary of the pertinent ones.

Exchange –   A government run entity that will be a supervised marketplace for access to qualified health plans and subsidy.  The exchange will not issue insurance or offer a government-run health plan, they will merely serve as a marketplace for consumers to gain access to private insurance carriers’ qualified health plans.  Each state is expected to form its own exchange, and if it does not, the federal government will establish one on the state’s behalf.

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