Posts Tagged ‘health insurance questions’

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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.

Health Care Subsidies and Premium Assistance Tax Credits, what are they?

 
Kelley-Jensen, writes about health care subsidiesHealth care subsidies – What is the difference between, subsidies, premium assistance, tax credits:  which apply to me and how do I get them?
Health care subsidies, subsidy, premium assistance, premium assistance credit, premium assistance tax credit, tax credit are all terms that are used interchangeably to describe money available to assist with the payment of monthly health insurance premiums for people that qualify for help.

What is a health insurance premium? 

A health insurance premium is an amount payable to an insurance company, usually monthly, for health care coverage to remain available.  Watch these great tutorials about health insurance by Humana.

Insurance Rates for Covered CA Health Are Here!

Kelley-Jensen2Covered CA has released Insurance Rates for the new health insurance plans.

What are Covered CA Insurance Rates?. Are they final, what information do I need before I start shopping for health insurance, and when can I start shopping?

Yes there are now average figures to give you an idea of what health insurance premiums will cost you every month, starting 2014. VERY rough average price ranges for an individual health plan are:

21 year old, with subsidy 21 year old, without subsidy 40 year old, with subsidy 40 year old, without subsidy

Health Care Reform: What do I Absolutely Need To Know?

Kelley-Jensen2Author: Kelley Filice Jensen

There is so much information circling around the internet and media outlets about Obamacare, health care reform and the new law.   I feel very overwhelmed by it, and I only care how it affects me.  What do I absolutely need to know?

1)       If you have health insurance through an employer with more than 50 employees, you will probably not be affected by health care reform.

2)      If you have health insurance through an employer with less than 50 employees,    your employer MAY change the way he provides health insurance to take advantage of subsidies available to employees.  If so, the health insurance broker he works with will help you with your health insurance.

How to Buy Affordable Health Insurance in 2014

Kelley-Jensen2Author:  Kelley Filice Jensen

Covered CA, the state run marketplace created from health care reform, just issued an actuarial study about the impact of health care reform on health insurance rates for 2014.  The results? Rates are going up somewhere between 20% and 30% or going down between 40% and 75%, depending on your income levels.  So what do you do?  Shop wisely.  The actuarial report highlights the importance of being a smart shopper of health insurance. Being well informed on the plans available, and whether you qualify for subsidy, is critical for getting the best value from the new insurance plans available in 2014.

Shopping for Health Insurance, 10 Questions You Need to Answer – Update

Author: Kelley Filice Jensen

Obamacare, affordable care act, health insurance reform, Supreme Court, individual mandates, health care exchanges:  health care sure has been in the news, and it can be very confusing!  But, whether you have health insurance through your work or not, all this talk about health insurance begs the question:  what type of health insurance do I need?  Where to start?  What are my 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?

What is Preventive Medicine for Men?

Men never seem to go to the doctor, but it is not because they should not go.  Preventive medicine, preventive screenings, preventive health applies to men as much as women.  Where does a man start?  He starts with his doctor, and regular checks of his health for those little problems that can develop into severe disease or debilitation later, if left unchecked.  Here is a list of necessary preventive screenings for men.

And, also get some tips on preventing medication errors.

For low cost individual health insurance, click here.

Body Measurement

What is Preventive Medicine for Women?

There is a saying in medicine, adopted from Benjamin Franklin, “an ounce of prevention is worth a pound of cure”.  Deep thought is not required to interpret this famous quote.  You can ask yourself a simple question, a million different ways, and understand the meaning and importance of it.  Would you rather have one cavity or ten cavities?  Would you rather take blood pressure medicine or have a stroke?  Heart attack or Lipitor?  It goes on and on, but the point is always the same: catch a little problem before it becomes a big problem.  That is the idea behind preventive medicine, preventive screenings, and preventive health.

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