The first step when shopping for insurance is to make sure you are covered in California. All of our insurance programs are designed to meet the new affordable health care act requirements and allow you to take advantage of the new tax credit laws. Our policies will cover all of the …
Getting the Most out of the Health Insurance Exchange
When you start shopping for mandatory health insurance, you want to make sure it offers everything you need for you and your family. The health insurance exchange offers several different levels of coverage with similar benefits, but different out of pocket expenses. There is also catastrophic coverage that prevents you …
How Will Tax Credits Help My Family?
The main reason to apply for and use the tax credits offered under the Affordable Health Care for America Act is that it offsets the amount you pay in premiums every month. This lowers your out of pocket expense and allows you to have a higher level of coverage than …
What Is Provided with My Family Health Coverage?
No matter what level of family health coverage you purchase, there are certain medical conditions and services that must be covered. The difference between the plans is that the higher tiers cover more medical expenses and may lower your co-payments, deductibles and maximum out of pocket expenses, but these higher tiers also …
What Types of Insurance is Available through the California Health Benefits Exchange?
The California health benefits exchange offers four different tiers of health insurance to individuals, families and small businesses. Each tier has a different cost, out of pocket expense, deductible and copayment. The items that are covered may be slightly different, but they all cover essential health benefits, such as emergency …
How Does the Affordable Health Care for America Act Affect My Family?
There are several pieces involved in the Affordable Health Care for America Act. Each of them may affect a different aspect of your current insurance coverage. The act also requires every citizen of California to have a minimum amount of insurance in place by January 1, 2014 — or suffer …
How Affordable is the California Health Insurance Exchange?
The California Health Insurance Exchange is an affordable place to find insurance, because of three different factors. They are Tax Credits These are for individuals and families that fall into certain income limits. If you are below a certain income requirement (based upon the size of your family), you can …
Can a Small Business Get Family Health Insurance Coverage?
If you own and operate a small business in California, the affordable care act will allow you to purchase family health insurance coverage for your employees. While businesses with less than 50 employees are not required to offer health insurance, many of them will want to take advantage of the …
Important Terms when Searching for Individual Health Insurance Coverage
There are several terms that are used by insurance companies that you should understand before you start shopping for individual health insurance coverage. Here is a list of the terms and how they are applied to your insurance policy: MOOP – maximum out of pocket (may also be called OOPL or …
Does Everyone have to have Individual Health Coverage?
With the affordable health care act, everyone has to have individual health coverage by January 1, 2014. All legal residents of California will need to have some type of insurance in place, either through their employer, or through an individual policy. This also includes families with children, and married couples …