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How Does COBRA Coverage Work?

What is COBRA? COBRA (stands for Consolidated Omnibus Budget Reconciliation Act) gives the employees the right to continue their health coverage through an employer after they have a reduction in hours or they leave employment (whether voluntary or involuntary.) The catch is that you have to pay the full amount of the premium, and often…

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Frequently Asked Questions about Covered California
Frequently Asked Questions about Covered California

As an agent, I get asked a LOT of questions about Covered California. In today’s post, I decided to compile a list of the more frequent questions I get asked. I figure since I get asked these same questions often, a few of my web site visitors must be wondering about the same things. What’s…

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Open Enrollment 2018
Open Enrollment 2018

There is a lot of confusion out there about open enrollment season for “Obamacare.” Trump cut off important subsidies paid to insurance companies to help lower out-of-pocket medical costs for low-income Americans. Also, enrollment outreach will be much less than it was in the past years due to an executive order that makes it a…

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Is an HSA Right for Me?
Is an HSA Right for Me?

What is a Health Savings Account? A health savings account is similar to a savings account, but the money in them are used to pay for health care expenses. You control the funds in your HSA, not an insurance company or your employer. Also, the money you deposit into the account is not taxed. To…

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UC Davis and Western Health Advantage
UC Davis and Western Health Advantage

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?…

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Health Insurance Without a Job (self-employed, in-between jobs, retirees)
Health Insurance Without a Job (self-employed, in-between jobs, retirees)

COBRA Coverage If you have recently lost your coverage from an employer, you may be eligible to continue your health insurance through that employer-plan through COBRA. The downside is that your employer will no longer contribute towards the plan and may even add an administrative fee on top of it. But if all else fails,…

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Too Busy For Issues?
Too Busy For Issues?

TOO BUSY FOR ISSUES? I understand. Your calendar is already beginning to fill up. I also know, as the holidays start to approach, the activities start to stack up. Don’t spend unnecessary hours taking care of health, dental or vision insurance issues. Prevention is key and I have the solutions. I have access to many…

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To Medicare or Not to Medicare – That is the Question
To Medicare or Not to Medicare – That is the Question

If you are turning 65 soon, then it’s time to think about Medicare. In most cases, your Medicare Eligibility Date is the 1st day of the month you turn 65. If your birthday is the 1st day of the month, then your Medicare Eligibility Date is the 1st day of the month before you turn…

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4 Out of 5 of Your Employees Want to Leave
4 Out of 5 of Your Employees Want to Leave

According to the Talent Trends 2014 Survey conducted by Linkedin, only 15% of your employees are not open to looking at new employment opportunities. Think about that for a moment – more than 4 out of 5 of your employees are willing to leave your company at any given time. This is an eye-opening result…

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Anthem exiting Individual Market for Most Areas
Anthem exiting Individual Market for Most Areas

Anthem Blue Cross (not to be confused with Blue Shield,) has announced they will be exiting the Individual Health Plan market effective January 1st, 2018, except in a few areas. If you live in the counties below, then your coverage is safe. If you are an Anthem member through an Individual/Family Plan (including Covered California) and…

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