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 – 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 […]

California Dental Network – an Affordable Variety of Plans and Benefits

California Dental Network offers stable, competitively priced dental plans to individuals and families across state of California and starting as low as $7.95 per month. Medicare has never covered most routine dental care, so one out of three adults covered by Medicare aren’t receiving the regular dental care they need. Roughly 20 million older Americans […]

2020 Medicare Advantage Program launches NEW drastically improved plan benefits in Southern California

Medicare Advantage Program launches NEW 2020 plans with drastically improved benefits in Southern California. Enjoy a free ride, a warm meal, respite care, transportation, pest control, reduced co-pays and historically low out of pocket costs with new choices. In 2019, Medicare Advantage plans stepped up their coverage to include the delivery of meals, rides to […]

Can Employers Provide Medicare Premium Reimbursement for Active Employees?

Active employer coverage means you are still actively working, not retired. When an employer has fewer than 20 employees, Medicare is considered the primary insurance once you turn 65. Your employer coverage will be secondary, meaning it will only pay claims after Medicare has paid. If you don’t sign up for Medicare, your healthcare may […]

Can Employers Ask for a Doctor’s Note?

Generally, an employer can ask employees for a doctor’s note when they take time off because of an illness. But it’s important to consider the laws governing doctors’ notes before making them a requirement. The Health Insurance Portability and Accountability Act Privacy Rule Under HIPAA’s Privacy Rule, an employer can ask employees for a doctor’s […]