The relationship between UC Davis and Western Health Advantage is coming to an end at the end of the year. This means that if you get your health coverage through Western Health Advantage, any services rendered at UC Davis may not be covered. Unless you have a Continuity of Care arrangement. What are your options?
U.C. Davis will continue to be in network with several group insurers, including some of Blue Shield’s HMOs, Blue Shield PPOs, Health Net PPOs and United Healthcare. The downside? All of these plans will not likely be competitive to the rates you’re paying with Western Health Advantage. The good news? There’s still an option available that will not drastically increase your overall costs as an employer. To see if this option will work for you, request a quote and let’s talk.
Individuals and Families
Since Anthem is leaving the individual market effective January 1st, and UC Davis is not in network with the Individual plans with Health Net and UHC, the only option remaining for you is a Blue Shield PPO on the individual market. Their plans’ premiums are not going to be as competitive as your Western Health Advantage rates, but depending on your household size and annual adjust gross income, you may qualify for a premium tax credit to reduce the premiums you pay. If you need help comparing rates and plans or to see if you qualify for premium assistance, request a quote today!
There’s good news if you are 65 or over or otherwise are eligible for Medicare Part A & B. With the right Medicare Supplement, you can continue to see your UC Davis doctors with potentially reasonable premiums and little to no out-of-pocket costs. Medicare can be tricky at first, so if you’re Medicare-eligible, request a quote and let’s discuss this option for you.