Small businesses have options available if they want to offer health insurance coverage with the passing of the Affordable Care Act (ACA). The ACA has created a marketplace where small business owners are able to compare plans and rates, and to choose the type of insurance they want to provide …
Five Ways California Employers Can Reduce Their Health Insurance Costs
Health insurance can be a big expense for employers, especially for small businesses, which are often hit hardest in terms of health insurance costs. Despite rising insurance costs, offering California health insurance as part of a benefits package helps attract the best and brightest employees. In that sense, offering employer-sponsored …
The Affordable Care Act Requires US Citizens to Have Insurance Coverage
The Affordable Care Act was passed in order to allow families the means to be able to have heath care coverage at reasonable rates. As of January 1, 2014, most US citizens will be required to have health insurance. In order to prepare for the upcoming changes, you need to …
Goldilocks Rule Applies When It Comes to Sleep
Sleeping too long can be just as problematic as sleep deprivation, according to a recent report from the Harvard-based Nurses’ Health Study. The key is not getting too much or too little sleep, but just the right amount. Adequate sleep, along with a healthy diet, regular exercise, and maintaining a …
How Do Health Insurance Deductibles Work?
Health insurance policies typically have a deductible ranging from nothing to several thousand dollars. The deductible is the amount an insured person must pay before the insurance company pays some or all of their covered medical expenses. Let’s look at an example: Suppose John has a plan with a $2,000 …
Make Sure You are Properly Covered by Your Health Insurance Plan in California
It is important to make sure you are properly covered by your health insurance plan once the new reforms take effect on January 1st, 2014. Currently, you have access to many resources to explore your options and available plans, like visiting our online site, here at Coverage California. Our detailed …
Is My California Small Business Eligible for Group Health Insurance?
Employers with very few employees sometimes make the mistake of assuming that they don’t qualify for small group health insurance—an incorrect assumption, in most cases. Federal law mandates that small business owners with 2 to 50 full-time employees are guaranteed group coverage should they choose to purchase it, regardless of …
How Are Health Insurance Plans Different Under the New Healthcare Law?
The passage of the Affordable Care Act (ACA) prompted many changes to our nation’s healthcare system, but how are plans offered through the healthcare marketplace established by the ACA different from plans outside the marketplace? Below, your trusted California health insurance agent highlights the main differences. Health insurance plans purchased …
Free Preventive Care vs. Diagnostic Care under the New Heath Care Law
Reports are surfacing of patients who went to their doctor for a checkup and later received a bill for services they thought were free, based on the new healthcare law. The confusion stems from the fact that while plans purchased through the healthcare marketplace are required to cover certain preventive …
Affordable Health Insurance Coverage is Available to All California Residents
After January 1st, 2014, all California residents are going to be required to have health insurance coverage, either through an employer-sponsored program, or an individual plan. Eligible plans also include COBRA, any plan that is part of your retirement, and public assistance programs like Medicaid and Medicare. There are many …