Posts Tagged ‘what is a pre-existing condition’


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.

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.

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.

Health Care Reform – The What, Who, Where, When, How and Why of the Individual Penalty


Author: Kelley Filice Jensen

By now it is not news that starting 2014 every American is expected to have Health Insurance or pay a penalty, formally called the individual shared responsibility penalty.  What?  Who?  Where?  When?  How?  And Why?

Get an update of Health Care Reform in 2013.

What is the penalty?

The penalty graduates as the law is phased in, as follows:

• 2014 = $95 per adult and $47.50 per child (up to $285 per family) or 1% of family income, whichever is greater

2013 Health Care Reform Update: What to Know This Year

Author: Kelley Filice Jensen

Health care reform was signed into law March 23, 2010.  It has had much opposition, many attempts at repeal, and continued dissent amongst some states.  But, like it or not, health care reform officially arrives October 1, 2013 when the first plans under the new law go on sale.  Here are some of the basics affecting consumers, as of 2013.

What is the difference between obamacare, the affordable care act, the patient protection and affordable care act and health care reform?

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