2020 Higher Limits for Health FSAs; HSAs; 401Ks; COLA

On November 6, 2019 the Internal Revenue Service announced that the inflation-adjusted contribution limit for medical flexible spending accounts, including limited purpose (FSAs), will go up by $50 to $2750 for plans starting on or after January 1, 2020. The contribution limit for dependent care FSAs (DCA) will remain the same for 2020, with an […]

Battling the Rising Costs of the Medicare Part D Drug Program and 4-Strategies to Save Money

Medicare coverage for your health care needs is a magnificent program, yet medication costs can still be staggering for seniors who need prescription drugs that either aren’t covered by their Medicare Part D plan or are still prohibitively expensive despite their coverage. In this blog, I am going to share ideas on the various ways […]

2020 Medicare Parts A & B Premiums and Deductibles

2020 Medicare Parts A & B Premiums and Deductibles On November 8, 2019, the Centers for Medicare & Medicaid Services (CMS) released the 2020 premiums, deductibles, and coinsurance amounts for the Medicare Part A and Part B programs. Medicare Part B Premiums/Deductibles Medicare Part B covers physician services, outpatient hospital services, certain home health services, […]

Learn More about Medicare Advantage Plans Specifically Designed for the Needs of Military Veterans

Partial List of Plan Benefits Provided to Veterans: Part B Monthly Premium Rebates (up to $90) Worldwide Emergency Care Rewards for Healthy Living Fitness Membership Routine Vision PPO Dental Many veterans don’t even realize that they can take advantage of both Veterans benefits and Medicare to optimize their healthcare safety net. While you can use […]

Covered California Releases Record Low Rate Change and New State Subsidies for the Individual Market in 2020

Covered California

Covered California announced that the average rate change for the 2020 individual market will be 0.8 percent. This is dramatically lower than actual average increase over the past five years, 7.9 percent, and the lowest rate change since Covered California first began offering coverage in 2014. The rate change was driven lower due to two […]

California Legislation to Require Individual Residents to Carry Health Insurance January 1, 2020

Health Insurance

As a part of its 2019 budget legislation, the California legislature has passed an individual mandate under Assembly Bill 414. The California legislation would require all individuals who are California residents to carry minimum essential Health Insurance coverage for themselves, their spouses and their dependents for every month beginning on and after January 1, 2020. […]

Binational Healthcare Benefit Plans for Employers in San Diego & Imperial County

MediExcel Health Plan is a California licensed, ACA compliant HMO, specializing in binational healthcare with care delivery in Mexico. Plans cover Emergency and Urgent Care services worldwide, including; Tijuana, Tecate, Mexicali, San Diego and Chula Vista. NEW Urgent Care Partnership with HEAL– members can have a licensed doctor come to their home or workplace in […]

When it comes to Medicare plans, you have Choices

Medicare plans

Reaching age 65 is an important turning point, and there is a lot of confusion about healthcare reform, Medicare plans, and additional insurance options, but this is where we can help you. Our team of licensed and experienced insurance agents provide services that are designed to educate and prepare individuals for the Medicare program.   For more than […]

UC San Diego Health World-Class Care in Rancho Bernardo

UC San Diego Health just celebrated its first-year anniversary at the Rancho Bernardo location where you will find some of the best minds in medicine in your neighborhood. Experts treat patients of all ages, from newborns to seniors. And if you need a specialist, they treat adult complex conditions ranked among the nation’s best. You […]

Medicare Advantage Trial Period – Enroll in a Medigap Plan with Guarantee Issue Rights

What are the rules if you initially enroll in a Medicare Advantage Plan and then want to switch to a Medigap plan? Guarantee issue rights – sometimes called “Medigap protections” are rights you have in certain situations when insurance companies are required by law to sell or offer you a Medigap policy even if you […]