Health Care Reform Update

As of today systems are still not working properly and critical information is not available.

Among a host of other issues with Covered California’s website, the provider finder is incomplete and inaccurate. This was supposed to be rectified this past weekend. I tried the provider finder this morning and it is still flawed. This is a significant issue, you need to know that your doctors and hospitals of choice are participating in a given plan. Although your providers know of  which plans they are participants today almost all are not familiar with the networks that will be available in 2014. I am told that the provider finder will be functioning properly in mid October.

For the individual and family plan market I will be enrolling those who are subsidy eligible in Covered California. I have previously sent a document that has a graph of household income based on Modified Adjusted Gross Income (MAGI)  for 2012 and the number of household dependents which is used to determine subsidy. I have attached the documents once again. Please have your tax preparer determine your MAGI. If you fall within the guidelines for a subsidy please let me know. If you do not know your MAGI you cannot accurately determine subsidy.

If you do not qualify for a subsidy there is no reason to enroll through Covered California. I will help you choose among open market plans that are Affordable Care Act (ACA) compatible. I do not have enough information at this time to help you in your decision making. Anthem Blue Cross and Cigna have filed rates and benefits with the California Department of Insurance which has not approved the plans. I am told that November 1st is a likely date for that information to become available. It is important to know what Anthem Blue Cross and Cigna will have to offer.

Open enrollment for a January 1, 2014 effective date ends on December 15, 2013, however, open enrollment will continue until March 31, 2014.

If you have a small group plan you can enroll in the SHOP (Small Business Health Options Program) anytime beginning with an effective date of January 1, 2014.  You can enroll in the SHOP any time afterwards, for example, when your current group plan renews. The small group market has the same issues as the individual market in that the provider finder is not functioning properly and some companies that will not participate in the SHOP do not have rate and benefit approval.

If you have Medicare your rates and benefits are not governed by the ACA.

 

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The Dennis L. David Insurance Agency | Long Term Care Insurance, Los Angeles Medical Insurance, Anthem Blue Cross Healthcare Insurance, Whole & Term Life Insurance Policies, Cigna, Disability Insurance, Blue Shield of CA, Group Health Plans, Aetna, Group Medical Insurance, Skilled Nursing Insurance, Medicare Supplement Insurance, Medicare Part D Prescription Drug Plans, In-Home Care, Disabled Work Insurance, Disability Benefits, Culver City Health & Life Insurance, Family & Individual Health Insurance, Health Care Reform & Affordable Care Act Assistance, Obamacare, Covered CA Health Insurance, Health Plans, Kaiser Insurance, Genworth Life, John Hancock Life, Culver City Long Term Care & Disability, Employee Benefits, Beverly Hills, Hollywood, West Hollywood, Santa Monica, Pacific Palisades, Marina Del Rey, West Los Angeles, Los Angeles, El Segundo, Sherman Oaks, Encino, Los Angeles, Manhattan Beach, Los Angeles County CA, California

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