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Elayne Serrano 10/28/1964 – 08/18/2022 was an important part of our lives and our clients’ lives. She is truly missed.

In a recent interview by Naama with Go Solo, she talked about her agency’s involvement and her unique clients. She

So excited to share the new book that Naama is a part of “Voices of the 21st Century!” She has

As Open Enrollment season comes to an end this month, a gentle reminder that if you haven’t updated your plan,

Yes, the holidays are over, and Open Enrollment is here!   October 15th marks the beginning of Medicare Open Enrollment

  Good news, Californians and our community!   Covered CA is now more affordable than ever. With over 1.6 million

On March 11, 2021, President Joe Biden signed the $1.9 trillion American Rescue Plan, with benefits to help Americans affected

Proceed with caution, not fear. When I sat down to write this missive, my intention was to share a recent

#healing is at hand for one and for all From member of the @Stanfordhospital board. This is their feedback for

Mar. 1, 2020      Feb. 18–29, 2020 April 1, 2020      Mar. 1–30, 2020 May 1, 2020       April 1–30, 2020   New

We at RightPlan are heartbroken to hear that many of our friends,family, and clients have been affected by the horrible

According to the National Breast Cancer Foundation, one in eight women are diagnosed with breast cancer. This type of cancer

Blessings, It is an honor to share with you how special it was for me to be part of last

Unless you have been actively involved in the mad, mad world of healthcare in the United States over the past

Health Insurance 2018: What You Need to Know  Greeting of gratitude and joy for this upcoming Thanks Giving week-end ~ The

We’ve all been there. Your client calls in a frenzy demanding to know what medical coverage, if any, he has

A simple but little-known fact is that most existing health insurance benefits shrink or disappear when travelers cross the U.S.

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Many companies aren’t aware of the full impact that health-related risks can have on their bottom line. When an employee is diagnosed with a serious and complex illness, the associated costs can become a burden on a company. When you factor in misdiagnoses, unnecessary procedures, annual healthcare spending waste, productivity loss and absenteeism, nearly $300 billion is wasted spend by employers.

That’s why companies need to help employees understand their health risks and apply appropriate, proactive health management strategies. Doing so will help workers better able to navigate the complex healthcare system to formulate plans for mitigating their risk and improving their health and financial wellbeing.

Employers should consider these five underused strategies for effective health risk management.

Strategy 1: Screening and preventive care

The foundation of a health risk management strategy should include assessing and monitoring family history and lifestyle-based risk factors, administering and updating immunizations, biometric screening for high blood pressure, cholesterol, blood sugar, BMI and waist circumference, as well as personalized screening for breast, colon and other cancers.

With a growing number of travelers and expatriates becoming aware of the need for international medical insurance and of the

Have you been wondering what the difference is between Open Enrollment and Special Enrollment? Are you unsure as to when

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What is Form 1095-A? The Affordable Care Act, also known as Obamacare, requires most U.S. residents to have health insurance. 

Consumers who experience a qualifying life event can enroll in a Covered California health insurance plan even outside of the

The third Open Enrollment of Covered California and the Private market is wrapping up! The final two deadlines are: 1/15/2016

While traveling outside the U.S. with your family during the holidays, remember to get medical travel insurance! Travel with a

This cheat sheet provides a quick reference for small businesses on health reform (aka the Affordable Care Act or ObamaCare).

Small businesses (with fewer than 50 employees) are largely unaffected by health reform. Yet, many small business owners and HR managers feel confused about their requirements under health reform.

The purpose of this article is to provide a quick reference guide for small businesses about how health reform impacts your business and your employees – and how to take advantage of health reform changes to offer more affordable health benefits.

Jet Lag…New Approaches To An Old Problem! Those Legs Were Made for Walking! Protecting Yourself Before You Return Home Ten

The Washington Post  (7/31, Kliff) reports in its “Wonk blog” blog on a study by the Congressional Budget Office finding

GeoBlue® announced the launch of the Spanish-language version of geobluetravelinsurance.com.  This site serves the tens of millions of U.S. citizens

The president’s health care law provided for thousands of new IRS agents…but it failed to deal with the shortage of

SACRAMENTO (May 9, 2013)– Helping put an end to the practice of denying health care coverage to Californians with pre-existing

McClatchy   (4/26, Gibson) reports that the President’s budget would expand the number of Americans who are required to pay more

Group Plans Will Offer HSAs With Higher Deductibles From: Real Health Care Reform The Affordable Care Act (ACA) states that

A Lot of Talk About Rate IncreasesFrom: Real Health Care Reform I’ve been talking for a long time about how

HHS Delays Small Business Exchanges For A Year. The New York Times (4/2, A12, Pear, Subscription Publication) reports that the

Premium Hikes In California May Be Offset By ACA Subsidies. The Wall Street Journal (3/29, Mathews, Subscription Publication) reports that

Wyden Warns Families Will Be Hurt By “Glitch” In ACA. The Hill (3/28, Cox) “Floor Action” blog reports that Senator

The law’s 2014 effect on larger companies is likely to be more limited. Many of the big changes coming next

Fortune rates UnitedHealth Group as‘World’s Most Admired Company’  in Insurance and Managed Care       For the third year in

MedPage Today by David Pittman – March 8, 2013 Higher-than-expected costs for the Affordable Care Act’s (ACA) preexisting condition risk

Kaiser Tops California Insurers For Customer Satisfaction. The Los Angeles Times (3/11, Terhune) reports, “For the sixth consecutive year, Kaiser

Study: Americans Underestimate Healthcare Costs During Retirement.   The New York Daily News  (3/8, Knowles) reports that new study published

From:  Real Health Care Reform The official name of the health care reform legislation that President Obama signed into law

Health Care Reform and Smokers Insurance RatesFrom: Real Health Care Reform One of the promises of the health care reform

From: Real Health Care Reform There has been concern and confusion over whether HSA plans will still be available in

Reducing unnecessary emergency room (ER) visits is a great place to start! When you  use the ER for non-emergencies, you

Whether it’s the densely populated Southern California coast or the mountains of rural Northern California, geography is going to play

Why You Will See Fewer Doctor Choices Under ObamacareFrom: Real Health Care Reform As I’ve discussed before, theAffordable Care Act

The Los Angeles Times  (2/15, Terhune) reports, “In response to pressure from California regulators, Anthem Blue Cross agreed to a

Why Are Rate Increases Happening Now? From:  Real Health Care Reform   The past few years, we have seen low

Study: One Third Of Health Insurance Policies Could See Higher Premiums Next Year. The Kaiser Health News   report, “Consumers who

From: Real Health Care Reform Grandfathered plans may be the most misunderstood part of health care reform. If you bought

CQ (1/29, Bunis, Subscription Publication) reports, “The estimated 11 million illegal immigrants living in the United States probably would still

California has moved ahead in creating an exchange and named it “Covered California”. It has received nearly $1.5 billion in

From: Real Health Care Reform When talking about health care reform, there are still areas about the law that are

What are the Employer Shared Responsibility provisions?   Starting in 2014, employers employing at least a certain number of employees

Health Insurance Premiums Rise Nationwide. NBC Nightly News (1/8, story 7, 2:20, Williams) reported, “Now to an unwelcome surprise for

Does Your Business Face Health Care Reform Penalties?From: Real Health Care Reform 1. How do you know if your business

How Will Health Care Reform Affect My Business in 2013? From:  Real Health Care Reform   2013 is here!  How

Under 30?  Here’s What You Need To Know On Health Care Reform From: Real Health Care Reform The health care

Will Your Health Insurance Premiums Be Higher in 2014? From:  Real Health Care Reform Today, you have access to plans

New Devices Help Baby Boomers Stay In Their Homes. The Detroit Free Press (12/26, Erb) reports, “From talking pill dispensers to

Newtown Tragedy Provides Impetus To Examine US Mental Healthcare.   NBC Nightly News (12/17, story 5, 1:25, Williams) reported, “This

One Thing Health Care Reform Did Not Change For Your BusinessFrom: Real Health Care Reform Under federal regulations, businesses are

How A Defined Contribution Plan Can Lower Business Benefit CostsFrom:  Real health Care Reform If you are a business owner,

The Sacramento (CA) Business Journal (12/3, Robertson, Subscription Publication), Kathy Robertson writes, “Anthem Blue Cross, California’s largest for-profit insurer and

How State Exchanges Are Playing OutFrom: Real Health Care Reform The all-too-quickly-approaching deadline is approaching for state officials to declare

Small Business Owner?  How To Avoid Obamacare Tax Hits The provisions of the Affordable Care Act will be kicking in

Provisions of the Affordable Care Act require health insurance in all states to cover at least ten broad categories of

Medicare Premiums To Rise By $5 A Month In 2013.   The AP  (11/16, Alonso-Zaldivar) reported Medicare premiums “are going

California Finalizes Exchange Blueprint. The AP    (11/15) reports, “The board overseeing California’s efforts to establish an insurance marketplace for providing

Your Business Can Turn Red Into Black Before 2014 From:  Real Health Care Reform With years of double-digit rate hikes

How Business Owners Pick “Play” or “Pay” in 2014 Healthcare Reform From: Real Health Care Reform If your business requires

Employer Penalties Starting in 2014 Under ObamacareFrom: Real Health Care Reform The 2010 health care reform law does not mandate

Obama’s Reelection Ensures Affordable Care Act Will Remain.   Amid the Presidential election coverage, many front-page stories made mention of

Bloomberg.com – About 1.6 million Americans will travel overseas this year for medical procedures ranging from facelifts to heart bypass