# RightPlan

> Contact: info@rightplan.com

### Posts

#### 10 Supercharged Tips for Leaders and Entrepreneurs
Welcome – I'm so glad you're here.






 
Together we are building our community and a promising future of well-rounded Leaders and Entrepreneurs.
 
This download features 10 of the most important techniques, both ancient and modern, to personally transform your life and lower your tension and stress.
 
I call them Supercharged because while each of these tips is simple and easy, when you implement them with intention, self-care, and regularity, they will truly Supercharge your flow!
 
✅ Help you become stronger and healthier, both physically and spiritually.
✅ Lay the groundwork for a successful and growth-oriented mindset as a leader.
✅Create space for the free flow of positive energy into all aspects of your life.
 
This is not magic or wishful thinking – these are practical, real-world techniques which have helped me and thousands of others for many, many years.
 
To get your complimentary copy of my Supercharged Tips, please fill out the form below.
​
Entered to win a free 30-minute Supercharged Meditation Session with me, where I will work with you to discover where you're blocked, and coach you on your meditation practice, whether you've never meditated before or have a regular practice.
 
With love and gratitude, Naama & the A+ Mindful Team!







 

#### 1095-A Form Information
What is Form 1095-A?
The Affordable Care Act, also known as Obamacare, requires most U.S. residents to have health insurance.  It also offers a tax break, the Premium Tax Credit commonly known as APTC to help offset the costs of health coverage. You should receive a copy of Form 1095-A if you bought your plan from a state exchange.  If you bought your plan direct from a carrier, you’ll receive a Form 1095-B.  These forms provide information needed to claim the tax credit on your tax return.
Form 1095-A Health Insurance Marketplace Statement 
If enrolled in a health plan through the Health Insurance Marketplace in 2015 you will receive a Form 1095-A, Health Insurance Marketplace Statement from the Marketplace, not the IRS.
The Form 1095-A will tell you the dates of coverage, and the total amount of monthly premiums for your insurance plan.
If you set-up a HealthCare.gov account, Covered CA or Washington Healthplanfinder account, you can get a copy of the Form 1095-A, Health Insurance Marketplace Statement online.
*** you may receive multiple 1095-A forms for each policy ID More information is available for Marketplace members at the following website: https://www.irs.gov/Affordable-Care-Act/Individuals-and-Families/Health-Insurance-Marketplace-Statements
Form 1095-A Disputes
If you dispute the coverage information provided from their 1095-A form(s) here is what you need to do:
The member will need to file a HICS Case.

FL, MI, NM, OH, TX, UT, and WI - the Member needs to contact the Marketplace Exchange directly.
CA - The member will contact Covered CA.
WA - The member will contact WA Healthplanfinder.

Once the HICS case is reviewed, a determination will be made.
The Marketplace is responsible for consumer outreach and the generation of a corrected 1095-A form back to the you.
Good Luck!

#### 10th Annual Health Forum
Thank you NAIFA (Greater Los Angeles, San Fernando Valley and Greater Foothills) for hosting me last week and allowing me to share the wisdom of Reducing Healthcare Costs with Yoga & Meditation


 
National Association of Insurance and Financial Advisors present 10th Annual Health ForumIn Cooperation with the Los Angeles Association of Health Underwriters Friday, November 18, 20167:30 a.m. - 2:00 p.m.
Corky's Restaurant & Bar5043 Van Nuys Blvd., Sherman Oaks, CA 91403 Between Magnolia Blvd. & Riverside Drive, north of the 101 Frwy Doors open at 7:15 a.m.Includes Breakfast & Lunch
"THE FUTURE OF HEALTHCARE: ZOMBIE APOCALYPSE OR AMERICAN HORROR STORY"
Agenda:

7:30 a.m. - 8:00 a.m. Networking with Exhibitors
8:00 a.m. - 8:50 a.m. Breakfast
9:00 a.m. - 9:15 a.m. Political Commentary by Assemblymember Matt Dababneh
9:15 a.m. - 9:55 a.m. Dr. Sion Roy
10:00 a.m. - 11:00 a.m. CE Class #325853 "Thinking Beyond 4th Quarter" presented by Gordon Colburn, RHU
11:10 a.m. - 11:45 a.m. Sponsor Presentations
11:45 a.m. - 12:25 p.m. Lunch
12:30 p.m. - 1:30 p.m. CE Class #336251 "Reducing Health Care Costs with Yoga & Meditation" by Naama Pozniak, CHRS, LPRT
1:30 p.m. - 1:45 p.m. Raffles and Closing Commentary

Starring:

DR. SION ROY, California Medical Association Chairman-Medicare Sub-Committee and current Los Angeles County Medical Association Secretary
GORDON COLBURN, RHU - Employee Benefit & Employer Compliance Specialist
ASSEMBLYMEMBER MATT DABABNEH - California State Assemblymember for the 45th Assembly District
NAAMA POZNIAK, CHRS, LPRT - Life and Qualifying Member of NAHU'S Leading Producers' Roundtable, Soaring Eagle Level
SPECIAL CAMEO APPEARANCE BY - Anthony Portantino, former Mayor, La Canada/Flintridge and 8 year member of its City Council. Vying for 25th State Senate District SeatA Big Thank You to Our Sponsor-Exhibitors

 
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#### 2015 Open Enrollment Dates and Deadlines
November 15, 2014: Open enrollment began for individual health insurance (i.e. Qualified Health Plans).
December 15, 2014: Deadline to apply if you would like coverage to start by January 1, 2015.
January 1, 2015: Earliest coverage date for plans purchased during the 2015 open enrollment period.


 
February 15, 2015: Open enrollment ends. If you miss this date, you will have to wait until fall of 2015 to enroll, unless you have a qualifying life event such as a marriage, birth of a child, significant income change, or loss of job-based health insurance. Then, you can enroll during a special enrollment period.
October 15, 2015 - December 7, 2015: Open enrollment period for 2016 coverage (subject to change).
Enrollment Period: From:2015 Open Enrollment Period(for coverage in 2015)
November 15, 2014 to February 15, 2015Special Enrollment Period
(after a qualifying event)
Generally 60 days from qualifying life eventSee this chart for open enrollment periods, 2015 - 2020.
FAQ: What If I Miss Open Enrollment for an Individual Health Plan?
If you miss open enrollment, and have not enrolled in a health plan by February 15, 2015, you've likely missed your chance to buy coverage for the year -- unless you have a significant change in circumstance called a qualifying life event. There are several types of qualifying life events such as marriage, birth of a child, income change, loss of job-based health insurance, permanent move to a new area, etc.
If you miss the deadline, this also means you'll probably face a penalty for not having insurance. In 2015, the penalty is $325 per person up to a maximum of three times that amount for a family ($975), or 2% of household income if greater.
 Source: Link

#### 2018 IRS guidelines for HSA plans
The Treasury Department and Internal Revenue Service (IRS) issued the 2018 guidelines on the maximum contribution levels for Health Savings Accounts (HSAs), the minimum deductible amounts and the out-of-pocket maximum amounts.
The 2018 requirements are below:
 
HSA Contribution Limits

 Individual Contribution Limit: $3,450
Family Contribution Limit: $6,900

 
HSA Deductible Amounts

Individual Minimum Deductible: $1,350
Family Minimum Deductible: $2,700

 
HSA Out-of-Pocket (OOP) Amounts

Individual OOP Maximum: $6,650
Family OOP Maximum: $13,300

#### 2026 Health Insurance Market: Igniting Hope with MAHA Momentum and Self-Employed Savings!
Over the past six months, we've shared a few posts diving into the healthcare landscape—always seeking solutions to the real storm in our healthcare industry. As Hanukkah's candles flicker now in December, my wish is to whisper resilience and shine a light on this truly broken system: even in shadows like last weekend's tragedy and subsidy sunsets, we kindle light, magic, and miracles.

 The vision for 2026 coverage: Premiums surging, yet wellness warriors can now unlock 30-40% savings through smart, innovative paths. What's one "health spark" you'll ignite next year—maybe a family yoga ritual or MAHA meal swap? Let's explore the market's pulse and our empowered moves.

Open enrollment closes in December, with approximately 24.2 million ACA sign-ups for 2025—a record—but 2026's subsidy cliff (expiring post-Senate stalls) threatens a 114% jump in subsidized payments, from $888 to $1,904 annually. Early data shows 5.8 million enrolled, up 7% from last year, though new sign-ups dipped 4% due to sticker shock.

In California, Covered CA's benchmark silver premiums rose 10.3%, risking $200+ monthly hits without aid—potentially 660,000 more uninsured. Clients echo the strain: A small business battling 15% group hikes, holidays sidelined; another forgoing $1,200 mammograms on top of the extreme premiums.

Someone said Employer benefits. Family premiums hit $26,993 (+6%), single $9,325 (+5%)—workers shoulder 26% ($6,850 family avg.), steady as wages rose 4%. Holistic vibes surge: 90% mental health coverage, AI wellness personalization, 15% voluntary add-on boom. Level-funded plans grew 20% for savings flex; 82% prioritize total well-being (biosimilars taming Rx creeps). Cheaper than individual markets—audit if eligible for perks like financial coaching, rewards, and discount plans.

So, what do we think can be done? :

Let's flip it: Make sure to audit EOBs now, every time you get it. Also, remember—spot three "wins" (early screens) and "pains" (copays)—10 minutes could save hundreds through tweaks. Take a closer look at our employer group benefits! This year, they offer lower premiums than what you’d find in the individual market, making them a smart choice for coverage in 2026.

In 2026, we received a potential solution to consider. Don't miss out on these savings!

Self-Employed/Gig Economy/1099 :

The most comprehensive radical review can now take place in all 50 states.

So, if you are under-65 trailblazers: Healthier pull-through captives—self-insured pools for self-employed, 1099s, and small employers in all 50 states, qualify with 11 "No" answers (no tobacco, no complex diabetes/heart issues)? Boom—30-40% premium cuts in wellness-rewarding collectives, born from '80s employer roots but revved for gig nomads. One client slashed $500/month: some over $1,000/month. Envision that freedom for dream-chasing.

Start at https://rightplan.com/knockout-health-questionnaire/

—Your 2026 edge awaits.

Stay healthy! Get your annual physical, well-woman exam, and colonoscopy routine; it is worth it! It's finally about to pay off to stay healthy! 

In this crisis, solutions shine: Prevention via MAHA, sustainability in care, and new vitality rewards have paid off. My mantra?

Nurture mind, body, spirit—our ultimate coverage.

Grateful for our shared light, let's manifest 2026 miracles.

With love and many blessings,

Namaste ~ Naama

#### 35th Annual Government Day
Over the weekend, Saturday 08/15/2015, RightPlan had the honor to participate among 30 other government agencies in this special government day over the Panorama Mall.Assemblyman Adrin Nazarian was welcoming everyone, as shown in photos below.
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#### 5 strategies that help employers reduce health-related risks and costs
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.


Enacting and following through with a screening and preventive care plan tailored to each employee’s risks can effectively lower the risk of developing a number of preventable diseases, such as cardiovascular disease, osteoarthritis, and diabetes. It can also increase the likelihood that diseases that are not preventable, including some types of cancer, are detected at the earliest stage when they may be more treatable.
Strategy 2: Access to reliable medical intelligence
In order to make sound decisions, employees need to be fully informed about treatment options and their potential risks and benefits. They also need help finding the right specialists for complex health problems. Friends and family may be well meaning, but are not always the most objective source of information. Internet resources can be both overwhelming and misleading. Even an experienced family physician may not know about the most current innovative treatment approaches or the best specialists or centers of excellence for specific complex medical issues.
Strategy 3: Access to expert, experienced physicians
The quality of care and outcomes that employees face are directly affected by the experience and expertise of the treating physician or health system. Receiving care from less experienced, less skilled medical professionals in a health system with limited resources can have a negative impact on health outcomes. For example, one study found that surgeons who performed at least 50 surgeries a year had no complications over a five-year period. Training is another important consideration. A study found that American Board of Surgery certified physicians achieved better cancer surgery outcomes than non-certified surgeons.
Strategy 4: Personalized care planning and support
Medical care is not “one-size-fits-all.” For optimal outcomes and disease prevention, employees need a proactive, personalized strategy that focuses on their specific needs and risk factors. This strategy should take into consideration patient and family history, lifestyle, specific genetic risk factors, health and wellness goals, and course of treatment. Care also needs to be coordinated among all treating physicians to avoid inappropriate or redundant procedures and to reduce the risk of misdiagnosis.
When a complex issue arises, employees need professional guidance and support to ensure that the necessary medical information gets to the employee and their treating physicians more efficiently and effectively and that they are able to access appropriate specialists in a timely manner. Accurate collection and organization of medical records is also crucial to mitigating risk and improving outcomes.
Strategy 5: Planning and access to medical travel support
A proactive travel plan that provides information about the most qualified physicians and hospitals at remote travel locations can lower the risk of inappropriate care in an emergency. Medical intelligence about travel advisories and appropriate pre-trip preventive measures are critical elements of a well-designed plan. Travel support should also include medical travel insurance to help pay for care and provide access to medical evacuation when appropriate. Having a skilled professional to remotely coordinate ongoing care needs and provide treating physicians with rapid access to the patient’s medical records also is key.
Miles Varn
Original post at Employee Benefit Adviser

#### 5 Tips to Build a More Engaging Employee Wellness Program
June is National Employee Wellbeing Month – an opportunity for companies nationwide to implement, evaluate and refine their employee wellness programs. An estimated 70% of employers already offer wellness programs, and 8% more plan to do so during the next year, according to the Society for Human Resource Management.
Employers are investing in wellness programs because these initiatives can support their employees’ desire to improve their health and create a happier, healthier workforce while reducing costs for employees and the company.
Some of these wellness programs give employees wearable devices at no additional charge, helping provide a more accurate and comprehensive summary of the user’s daily activity, sleep patterns and other health markers. Fitness trackers – usually small devices worn around the wrist or clipped onto clothing – give users a snapshot of actual physical activity.
Employers nationwide are expected to incorporate more than 13 million fitness tracking devices into their wellness programs by 2018, according to technology consultancy Endeavors Partners. That’s important, considering a study published in Science & Medicine showed people tend to overestimate how much exercise they get each week by more than 50 minutes, and they underestimate sedentary time by more than two hours. People who use wearable devices are better able to monitor and hold themselves accountable for their physical activity.


 
Here are five tips for employers to help improve and enhance wellness programs:
1. Offer incentives. More employees may participate in wellness programs when companies offer incentives, which can include gift cards, lower health insurance premiums, cash bonuses, and discounts on various health products and services. Some programs featuring wearable devices enable employees to earn up to $1,500 per year in incentives by meeting specific daily walking goals, while employers can achieve premium savings based on participants’ combined results.
2. Gather biometric data. Biometric screenings may give employees a better snapshot of their current health, including weight, body mass index and blood glucose, so offering them onsite at the workplace and at health fairs may encourage more employees to participate. More advanced programs can include connected devices, such as a Bluetooth-enabled wireless scale, blood pressure monitor or thermometer, which can transmit the participant’s vital signs to a case management nurse or wellness coach.
3. Keep data secure. Companies that want to incorporate fitness trackers and other connected devices should first ensure the health plan will keep private data secure. This includes using the latest encryption technology, including medical-grade connectivity for seamless and secure data transmission. Management should never have access to individual employee data; instead, the health plan should report aggregate data to help the company assess the value of its wellness program.
4. Generate support. Set up a wellness committee with wellness champions, selecting leaders within the organization who are respected by their peers and can motivate others. Use email, promotional flyers and in-person meetings to communicate the goals of the program. Messages from executives will demonstrate leadership support and may improve participation.
5. Track results. Evaluate the success of the wellness program each year, taking note of employee engagement and medical costs. While engagement can vary, some companies have achieved participation rates of more than 85%.
Following these tips, including the adoption of new technologies such as fitness trackers, may help employers and employees maximize the benefit they get out of employer-sponsored wellness programs – and improve the health of the company and its workforce.
Author: http://www.employeebenefitadviser.com/

#### A Bit of News About "Covered California"
California has moved ahead in creating an exchange and named it "Covered California". It has received nearly $1.5 billion in Federal and Private Grant funding to have it operational by October 1, 2013 for a January 1, 2014 effective date. It will primarily focus on individuals but will also offer plans for small employer groups. One of the key elements of the exchange will be to administer a Federal Health Insurance Premium Subsidy for individuals and a Federal Health Insurance Tax Credit for small businesses.

#### A Bold Step Toward Transforming America's Health System!
Trump's Bold Healthcare Blueprint? One thing is for sure: Breathing Steady on the Insurance Wild Ride and conversation is no longer an option!

What do we really know? Trump's healthcare blueprint lands on January 15, 2026, right as those premium surges from expired ACA subsidies bite hard, like real hard! (up to 300% for some of our clients), and everyone's gasping for air? Not today. Let's inhale fresh perspectives and exhale the overwhelm, because this isn't about siding with red or blue—for me, it's all in for healing vibes, crystal-clear facts, science-driven insights, transparency in every detail, and a dash of rock & roll to keep the energy high. No agendas, just honest exploration of how this could remix insurance options in our ever-changing dynamic market.

This blueprint doesn't demolish the existing framework; it injects clever twists, like routing subsidies directly into HSAs for that customized feel and dismantling hidden charges. While I don't know how it will work, the sounds and feel of it are positive. With food emerging as a genuine medicine in the latest guidelines, preventive strategies steal the show. Envision fusing global inspirations—grabbing streamlined approaches from international setups—while promoting effortlessly doable self-care: that translates to self-insuring stop loss: inhaling deeply to center yourself, exhaling tension; yes, drink more water; racking up those 10,000 steps; or slipping into quiet meditation These routines will finally be recognized as ways to maintain our health, reduce stress, boost vitality, and cut expenses in relatable, grounded ways so that we can feel and sound healthier!

Zooming into the insurance essentials, the blueprint's transparency drive—unfiltered breakdowns on denials and wait times—coupled with dramatic drug price plunges (80-90% on select ones) and PBM revamps, unlocks innovative workarounds. Pre-existing safeguards remain somewhat nebulous, and deficits might balloon to $350B if subsidies spiral, but the emphasis on user empowerment opens up possibilities for workplaces and individuals. We need options and creative benefits for us to thrive!

Self-insured paths, where you steer the claims ship, emerge as the adaptable ally in this arena, already encompassing so many. The highlights? Sidestep cumbersome state regs and sculpt coverage that truly resonates, particularly with HSA infusions empowering personal reserves. I've observed how infusing wellness elements, like "food as medicine" guidance, can pare down chronic expenses by 20-30%, shifting from reactive firefighting to proactive vitality boosts. And those self-care rhythms—inhaling calm, exhaling chaos via strolls or breaths—accumulate into meaningful savings and uplifting moods. That said, hefty claims can jolt your finances head-on, and if global adjustments introduce new guidelines, it adds to the complexity. Also, if subsidies entice healthier individuals toward solo options, your pool might lean heavier on needs, subtly inflating costs like a slow-building wave.

What we are seeing is that Captive insurance—the teamwork tactic where like-minded outfits share risks—brings a cheeky resilience to choppy waters, like a collective shield for your budget. Perks abound, and group-wide expenses level out, with pooled drug discounts compounding the gains and freeing up space for innovation. Incorporating global flair could elevate wellness discussions on hydration or mindfulness, outpacing isolated efforts while self-care pares back shared claims in a supportive, unified manner. Flip side? Launching it can snag like a stubborn knot, and international elements might tangle oversight. If subsidies whisk participants elsewhere, you risk an imbalance in which demand outpaces equilibrium, igniting the familiar cost upticks.

Fully insured holds its ground as the effortless standby, delegating to a carrier so you can focus on other tasks. Standout features: seamless operations with integrated advantages, such as potential 10% premium reductions from cost-sharing comebacks, are not enough!  lightening the load might be, but we need extreme measurement and change to see the outcome we wish for: cost reduction!  Incentives for practices like mindful exhales, or meditation, lend a warm, individualized flair, and over-the-counter remedies tackle minor issues sans hassle—even global paradigms could spark enhancements. However, personalization is constrained, with carrier margins embedded, limiting agility. Changes might redirect fees your direction, and if HSAs attract more independents, dwindling sign-ups could gradually elevate rates, a nudge that even reliable paths sway in these currents. However, the monthly premium cost must reflect this for it to make sense!

So, what is the deal:

Redirect billions in taxpayer subsidies away from big insurance companies and send the money directly to eligible Americans to buy their own health insurance plans- to me, it sounds the same.

Fully fund the Cost-Sharing Reduction (CSR) program to lower premiums on common ACA plans by an average of 10-15% while saving taxpayers at least $36 billion- is not enough of a discount!

End kickbacks paid by pharmacy benefit managers (PBMs) to insurance brokers and intermediaries that inflate health insurance costs – This is wrong, as we are currently working for free or for a fee from saving! Who will represent the client? the government?

Require insurance companies to disclose key details in plain English, including premium rates, coverage options, profits vs. payouts, claim denial rates, and average wait times for routine care- is a must!

Mandate price transparency for all providers accepting Medicare or Medicaid, including posting prices in offices to eliminate surprise billing – it has been in place since last year!

Lower prescription drug prices by codifying Most-Favored-Nation pricing (matching U.S. prices to the lowest in other countries) and shifting more safe drugs to over-the-counter status for easier access. – Thank God! Hallelujah -

In this vibrant setup, insurance innovations truly hum when prevention takes center stage—food as medicine, worldwide fusions, and those approachable self-care pulses inhaling opportunities and exhaling obstacles for robust, budget-savvy futures. Is critical! One thing is certain: we must continue to educate legislators, as they do not fully understand the issues.

So, till then, much love from Naama & The RightPlan Team, transforming bumps into beats.

#TrumpHealthcarePlan #InsuranceSolutions2026 #PreventiveCare #FoodAsMedicine #SelfInsuredOptions #CaptiveInsurance #FullyInsuredFuture #Meditation

#### A Tip From Naama......
Reducing unnecessary emergency room (ER) visits is a great place to start!
When you  use the ER for non-emergencies, you may end up paying a lot more out of your pockets than you would if you went somewhere else. And overuse of the ER can affect everyone’s health care premiums.          
The following are some of the alternative options:

Retail health clinic — A clinic staffed by health care experts who give basic health care services to “walk-in” patients. Usually found in a major pharmacy or retail store.
Walk-in doctor’s office — A doctor’s office where you don’t already have to be a patient to get care. And you don’t have to have an appointment. Can handle routine care and common family illnesses.
Urgent care center — A group of doctors who treat conditions that should be looked at right away but aren’t as bad as emergencies. Can often do X-rays, lab tests and stitches.

#### About coronavirus: love is stronger than fear
Proceed with caution, not fear.
When I sat down to write this missive, my intention was to share a recent journey to India and my annual trip to Washington, lobby-ing on behalf of us all for im-proved, more affordable health care services. But as I put pen to paper, my mind could only focus on the current epidemic gripping our world. Is this in some way a reflection of our troubled humanity? Is there a lesson for us all, hidden in the waves of panic vibrating across the globe?
At the moment, it seems the world will never be the same. But what if we could harness the energy of this pandemic and by some means use it to rebuild the human spirit? What if we could turn the winds of change to bring us back to a more self-aware world in which we produce just what we truly need, and share the rest with our neighbors?
What if?
What if this pandemic is here to test us all — to see if we could stay truthful to ourselves when no one is looking? How much do we care for ourselves and for one an-other? How can we care for our loved ones and ourselves in the most productive way? At the end of the day, it comes back to the “I” and what we alone can do to cre-ate peace in our hearts and in our lives.
Healthcare 2020 has taken a wild twist. We need to understand that we’re on this ride of health-care together. Many of us are ex-tremely concerned about getting ill. With proper basic precautions, know that we can make it through this challenging time. It’s of ut-most important to stay away from panic and causing more damage than necessary. Be cautious, not fearful. In spite of all the alarm, know that this too shall pass.
The number one action should be healing, and move our entire focus towards all aspects of cura-tive therapy and join forces to share information and allow heal-ing.
Educate yourself and learn how to strengthen your immune system and prepare your body to manage this virus. Buy only what you need. Don’t stock up on un-needed merchandise.
Choose love. In order to have enough for everyone, we need to exercise restraint. Share your supplies, your consideration, your empathy and your love. Be conscientious in your every action as we collaborate towards a global community of healing and sharing.
If you traveled to or from a country with cases of the virus, you should be self-quarantined for two weeks. Don’t wait for the gov-ernment to tell us. We should take responsibility for ourselves.
Take steps to make sure that your immune system is strong. Eat well. Food is medicine and plant-based food is important at this time. Sleep well – at least eight hours a night. Walk outside but go to fewer public places for now. Drink lots of water. Ask your doc-tor about adding supplements to your diet including Elderberry, turmeric, cat’s claw, oregano oil, grapefruit extract, Ashwagandha, Silver-Hydrosol and vitamin C.
Think positive. Positive thoughts lead to total healing on all levels: mentally, spiritually and physically. Meditate to connect to yourself and your body and lower your stress level. Healing happens within. Healing is the return to ho-liness and wholeness. Healing Breathe, breathe, breathe.
Be insured, it’s never too late to join your employer benefits. In California, we are still enrolling for the current Individual and Family market to avoid paying the pen-alty. You should always be covered but especially now, you need to know that you are covered in the best possible way. Most insurance carriers waived the co-pay, and out of pocket for testing and treatment.
Don’t go to the hospital unless absolutely necessary. That will re-duce the wider exposure to the community and yourself of the spread of the disease. If you are having symptoms of the coronavi-rus, call your doctor, the California Department of Human Resources or the CDC 24/7 to be advised on what steps to take.
It is our job as a society to work together to eliminate this virus. Let’s collaborate and learn how we can defeat this enemy called COVID-19. Be conscious, be happy, be educated and don’t buy into the panic. Together we will be stronger.
Ohm, shanti, shanti.
 
Original posted at: https://tolucantimes.info/opinion/about-coronavirus-love-is-stronger-than-fear/ 

#### About RightPlan Service
Welcome to RightPlan Service
#1 In Customer Loyalty!
About Us 
Insurance Policies for Your Life!
 
RightPlan Service is not owned by any insurance company, therefore we provide objective information to consumers and small business owners, helping them make informed decisions about their insurance needs. Most importantly, each and every one of our staff are here because they truly care about each and every individual.  We strive daily to give the best possible customer service! Our service is available to all California residents.  
Our Travel Insurance is available to all U. S. residents! 
Hello and Welcome From RightPlan!

 
Meet Our Team!

Naama O. Pozniak – Naama is RightPlan Service's owner and insurance expert. She has over 23 years of professional experience in the health insurance industry. She specializes in Medicare, Travel Insurance, Life Insurance, Long Term Care, Disability, Individual and Small Group Coverage.


Elayne Serrano - Elayne is our Health Care Specialist as well as Naama’s Assistant.  She has been with A Plus Insurance since June of 2013 and brings with her over 13 years of experience in the Medical Insurance industry.  She handles the benefits for our Employer Groups, Individual and Senior clients. 


Omar Oyanguren - Omar is the one of the newest members of RightPlan Service, bringing over 12 years of experience. Omar is our office manager and benefits administrator.
 


Elayne Serano

#### ACA Employer Mandate Delay Will Cost About $12 Billion.
The Washington Post  (7/31, Kliff) reports in its “Wonk blog” blog on a study by the Congressional Budget Office finding that the Administration’s delaying of the employer healthcare coverage mandate under the Affordable Care Act has added $12 billion to the overall cost of the legislation, mostly due to reduced fines that would have been levied against employers for failing to comply

#### American Rescue Plan: What Does it Mean for Your Healthcare?
On March 11, 2021, President Joe Biden signed the $1.9 trillion American Rescue Plan, with benefits to help Americans affected by the pandemic. Specific health care provisions include new and expanded financial help to benefit an estimated 3 million Californians.
More than 9.5 million workers have lost their jobs in the wake of the pandemic, with 4 million out of work for half a year or longer. The plan will help people in need in many different ways. We share how it will affect health insurance beneficiaries if you are currently uninsured,  a CoveredCA subscriber, Medi-Cal recipient, or an off-exchange (private) member.
This new care act will help lower monthly healthcare costs, to make healthcare more accessible and affordable for many Californians now. It will also allow many more to be covered and help them save on their premium costs. Covered CA hopes to get as many uninsured people, insured as possible.
Three categories of people benefit from this act:

Individuals who are currently uninsured and are eligible for the new financial help through Covered California, with many qualifying for $1 dollar health plans.
Individuals who are currently have health coverage directly through an insurer outside of Covered California and are now eligible for financial help for the first time. These consumers may be able to save hundreds or even thousands of dollars by switching to the same or similar health coverage through Covered California.
Individuals who are currently insured in Covered California health plans and are now eligible for more financial help.

Why it’s imporant to reach out to your existing clients and prospects about the ARPA subsidy expansion – Right now, state exchanges and the federal exchange are doing outreach (emalls, ads, marketing, etc.) Letting everyone know that 1. SEP has been extended, and 2. Members and non members can apply for coverage, change plans, or re-apply on the same plan to see if they qualify for the new subsidy. What they are NOT doing is advising these members/clients to refer back to their agent. Instead, they are telling people to come to their website and apply for coverage direcly.
What is it – ARPA subsidy was recently signed into law, increasing and expanding eligibility for ACA premium subsidies, as well as COBRA updates!
 
What Changed
  
Primarily it affects those between 100% - 150% FPL and those making over 400% FPL.
FPL  - Before, someone at 100% FPL (single person, $12,880) would still have to contribute 2.07% of their annual income towards monthly premium, and 4.14% of their annual income for those at the 150% FPL mark. Now, those earning up to 150% FPL will have fully subsidized, $0 dollar plans, and even premium free Silver plans.
Over 400% - Those making over 400% FPL (single person, roughly $51,040 annually) will pay no more than 8.5% of household income which significantly helps the higher age consumers. For example, say, a 24 year old, making $51,000 a year, their premium for a bronze plan might cost less than their 8.5% threshhold (i.e. they might be paying less than $4338 for the year for their plan because of their age.) However, on average, a 64 year old, normally paying $8,349 annually for their health plan, they would pay no more than 8.5% of their income. If they make $51,167 (401% FPL) annually, they would pay no more than $4,394 annually for the same coverage; essentially cutting their premium in half.
 
✅ Covered California is opening a new special-enrollment period on Apr. 12 that runs through Dec. 31, and consumers can see savings reflected on their monthly health care bills as soon as May 1 if they enroll by Apr. 30.
✅ Consumers at any income level may be eligible for more financial assistance.
✅ Consumers who enroll in Covered California health plans will not have to pay more than 8.5% of their household income for a benchmark plan.
✅ Individuals who are currently uninsured and are eligible for the new financial help through Covered California, with many qualifying for $1-dollar health plans—including some Silver plans.
✅ Consumers who earn more than 400% of the Federal Poverty Level may be eligible for federal financial help for the first time.
✅ Consumers currently insured off-exchange may save hundreds or even thousands of dollars by switching to the same or similar coverage through Covered California.
✅ Most current on-exchange members (Covered CA) subsidies automatically redetermine to maximize their savings.
✅ The Medi-Cal income threshold was updated recently for 2021 and has gone up to $17,775 for individuals and $36,570 for families of four. If you now fall under this threshold, please contact us before April 12, as you will qualify for Medi-Cal benefits!
✅ Consumers receiving unemployment compensation during 2021 may be eligible for the maximum amount of subsidies if enrolled in Covered California plans.
✅ If you are not currently receiving subsidies today, please contact our Covered CA StoreFront team. We will ensure that your applications are updated with current income and determine if you are eligible.
✅ If you are in any of these categories, we recommend that you connect with us as soon as possible to make sure you are not missing out on potential financial help.
 
The reduced health care premiums under the American Rescue Plan will remain in place for all of 2021 and all of 2022, unless Congress extends or makes these provisions permanent.
Covered California health plans cover:
✅ COVID-19 vaccinations and testing, as well
✅Any medical treatment necessary due to COVID-19 at no charge or minimal co-payments.
✅ All plans must offer essential benefits under the Affordable Care Act, ranging from maternity care and hospitalizations to preventive and mental health care.
✅ No-cost preventive health care includes annual checkups with your doctor and screenings for diabetes, cancer, and high blood pressure.
Remember to stay healthy! We are responsible for our health. Health starts with walking 10,000 steps per day, drinking lots of water, green tea, eating lots of greens, having positive thoughts, spending time in stillness, and scheduling our annual physical, women wellness exams, and a Colonoscopy. A little concern for our health, goes a long way.
Much love from Naama & the A+ Team

#### Anthem Lowers California Rate Increase
The Los Angeles Times  (2/15, Terhune) reports, "In response to pressure from California regulators, Anthem Blue Cross agreed to a slightly lower rate increase for about 630,000 individual policyholders that will save consumers an estimated $54 million." The average rate increase will now be around 14%, with some customers seeing their premiums increase by as much as 25%. Despite the increase in rates, Anthem "expects to lose money on its individual health insurance business in California this year, primarily because of rising medical costs."

#### Are Higher Insurance Premiums In Your Future?
Study: One Third Of Health Insurance Policies Could See Higher Premiums Next Year.
The Kaiser Health News   report, "Consumers who buy their own health insurance will see the total amount they could pay out of pocket for medical care capped starting next year, but some will likely pay higher premiums as a result" of the Affordable Care Act. According to a study by HealthPocket, "currently, when deductibles are included, 36 percent of policies offered to individuals on the private market exceed that limit." For the study, the researchers "looked only at policies sold on the private market to individuals, who buy their own coverage because they don't get it through their jobs."

#### Ask Us For More Information About....
Whether it's the densely populated Southern California coast or the mountains of rural Northern California, geography is going to play a larger role in the cost of health insurance under the federal health care overhaul set to take effect next year.
Health insurers are facing new rules and restrictions on how they set prices as part of the Affordable Care Act's aim to expand coverage to millions of Americans. No longer can insurers deny coverage because of a preexisting condition or place lifetime limits on medical care. While a person's age will remain a factor in setting rates, older customers cannot be charged more than three times what younger customers pay.
California also has rejected an option under the federal law that allows health insurance companies to charge smokers up to 50 percent more for their premiums.
All this leaves geography as one of the few ways insurers can adjust premiums. The premiums will not be set for most consumers under the law until summer, although estimates are available at the website of California's health benefits exchange
Call Us For More Information at:  818-508-7177

#### Attire to Aspire
Breathe LA
Second Annual Charity Fashion Show
 

(Pictured Left to Right: Christal Doyle and Naama O. Pozniak)Picture taken by: Ken Doyle
Attire to Inspire, BREATHE LA's second annual charity fashion show, Attire to Inspire was held on March 8, 2012 in downtown Los Angeles. Among the designers featured in the show are Yotam Solomon, Moods Of Norway and VBN.
The event included a pre-show cocktail party complete with VIP Lounge, celebrity step-and-repeat, silent auction, sponsor booths and entertainment. A lovely evening of fashion and fun was had by all!

#### Becoming an Expat
Where to start?
Here are some of the things you’ll need to factor in before you head for pastures new…
Paperwork
First up, visas. Assuming you have a job waiting for you on arrival, then be sure to speak to your employer at your earliest possible convenience about visa support. Some businesses will take care of everything for you, including the costs; but others will leave it up to you. Find out what and how much you need to pay, then budget!Depending on where you’re headed for, visas and work permits can be a complicated affair. There could be a lot of paperwork, and some countries require you to have a full medical examination (at a cost to you). This can be arranged through your local doctor.
Other factors include a potential Police Clearance Certificate. This can be applicable when travelling to the likes of Australia, Belgium, Canada, New Zealand, South Africa, and the USA. The cost can vary, usually it is around $50-100 in the local currency.It’s always worth making copies of your original documents too, as embassies have been known to be less than forthcoming when it comes to returning your documents.
 
Healthcare
Again, this really comes down to where you are going. Some countries provide free state healthcare; however, some do not.
Some companies provide private medical insurance as part of their employee benefit package options. If you are in any doubt, contact your employer and find out the exact details of any cover they are providing. It is vitally important that you have comprehensive health insurance for you and your family. Cigna offers a wide range of levels of expat medical insurance cover available to protect you in your new homeland, and anywhere else you may be travelling*. Find out more about Cigna Global Health Options insurance here.
Be sure to check the health advice recommendations (including vaccinations etc) for your new country of residence. A handy guide to some of the more popular destinations can be found here.*certain geographical exclusions may apply depending on level of cover.
 
Travel
It goes without saying that air travel can be expensive, but it is of course a necessary expense if you are to become an expat. That said, there are some ways to reduce the cost of air travel. Booking a good while in advance generally results in discounts for long haul flights. Be sure to check out baggage allowances for the airlines your considering flying with, as some heavily restrict your weight limit, while others allow you to carry sports equipment for free. Travel insurance is also a must. As well as cost, make sure you’re happy with the whole package of your travel insurance, including things like cancellation cover and baggage cover.
 
Shipping or Storage?
Just like everyone else, you too will have accumulated much more in the way of possessions than you previously thought. So what do you take with you?
If you’re planning on renting at first in your new homeland, you could consider renting a fully furnished property and put your furniture into storage until you’re settled. You could then arrange to have your belongings shipped over at a more convenient time.
 
Budget
Given the logistical complexities around moving to another country, it can be easy to lose track of your finances, so adhering to a strict budget is crucial. Try to plan ahead as much as possible, including the little things as much as the big expenses. Be sure to factor in things like: hotels if your new abode isn’t ready yet, local transport prices or the cost of a vehicle, local utility costs, legal documentation costs on arrival, and import tax where applicable on any goods you may be taking with you.
Yes, becoming an expat takes planning and research, but by following the handy steps above, you’ll be well on your way to becoming a fully-fledged expat. But wait, there’s more…
 
Things you might not have thought of…
Yes folks, there’s yet more to consider. Becoming an expat isn’t just about ticking all the boxes we’ve laid out above, there are aspects of it that involve being prepared for a mental, emotional and behavioral shift in your lifestyle, now that you’ll be living in another country, for instance, people’s attitudes. People will behave differently from what you’re used to. Attitudes are cultural, so it’s not a case of right and wrong. The conventional ‘have-a-nice day’ attitude popular in places like the USA, may not be replicated in your new home country, so be prepared for something a little different, if the situation calls for it. One of the biggest struggles for new expats is the adjustment to more alone time. Whether you’re just leaving a large group of friends behind, or moving to accompany a partner’s new employment venture, you may find yourself with more free-time, and more alone time than you’re necessarily used to.
There’s no quick fix for this, it comes as part and parcel of making the big move, and it will take a bit of getting used to. Over time, through various social opportunities like Expat communities/support groups, and through daily life, the level of alone time will decrease.
Much like any other big life event, it can be stressful, so a sense of humor is of paramount importance. Be willing to laugh at the situation, and indeed yourself when you get things wrong. Becoming an expat is very much a marathon, not a sprint. The struggles that you face initially will diminish over time. It’ll be an exciting time, so take it all as it comes, don’t expect miracles overnight, and enjoy starting a fantastic new chapter in your life in a new country.
 
Expat Culture
Adapting to a different culture and people’s attitudes is part of the challenge of moving abroad. Read through our tips to get an idea of the importance of cultural awareness and to find out about resources that support expat communities.
So you will be living in another country, and you have done some research about the new place. You may already know your Visa requirements; you may have made some property arrangements, or you may even know what steps to take to open a bank account. Are you forgetting something?
Think about when you start meeting people in your new location: Will it be appropriate to give them a handshake? Or will they expect a kiss on the cheek? …Or a kiss on both cheeks?
Culture shock is something that all expatriates experience once they move abroad. Once you start spending time in a new country, you may find many aspects of your culture differ from the new one, and you will probably have to adjust some of your expectations and behaviors in order to blend in.
Many expats experience emotional shifts as they find themselves struggling to assimilate new behavioral patterns. Cultural transition can be a struggle, but here are a few tips to help you adjust easier to your new host culture:

Learn. Culture shock may come from any situation and it is almost impossible to predict, but learning as much as you can about the new culture can help you to be prepared. Find out about your new environment both before your arrival and while you’re there; the more you learn, the better.
Speak. If you are moving to a country where a different language is spoken, try to learn at least the basics. You can start by trying to pick up a few simple phrases, or consider taking up a language course. Learning a different language can be exciting and very useful to help you communicate throughout the new country.
Keep in touch. Staying in contact with your friends and family at home can give you some comfort while away.
Stay healthy. Remember to stay active and eat well. Staying healthy physically as well as mentally will help you to deal better with culture shock.
Keep an open mind. Attitudes that are popular in your country may not be well received in your new location. It’s not a case of right and wrong. A respectful and open-minded approach will help you to understand the cultural differences and embrace the change. Interact with the new culture and make new local friends!

 
Expat communities and support
Remember – you are not alone. We live in a globalized world, and expats communities are growing worldwide at a very fast pace. Wherever you go, you will most certainly find other expats and international groups that support foreign communities. Keep an eye out for online blogs, social media groups and other events; you will be likely to find something of your interest.Integrating with expat groups might help you to gain some cultural knowledge of your new place, as well as it might provide an enriching environment to interchange views and ideas with people from other places.As you get used to another place, the experience may go from exciting to overwhelming, but just bear in mind that the struggles you face initially will diminish over time. Moving abroad is one of the most enriching experiences anyone can have, so, embrace the change and enjoy it!
 
Expat Finance
An essential part of becoming an expat is keeping control of your finances. This expat finance guide will help you to get an overview of different financial aspects that you should consider for your move abroad. We'll also give you a few tips to help you master your finances abroad!
As many other aspects of moving abroad, financial planning is one more thing that will require some of your time. You may find that managing your money wisely as a globally mobile individual is not such a straightforward process.
 
Planning is Key
The first step you may want to take is looking into what your life abroad might cost you. Once you know where you will be moving to, it should be fairly simple to investigate and calculate the cost of living in a particular location. Then it all comes down to planning: think about what you’ll need, how much things are, and start to budget.
You probably know how much you will need to afford flight tickets, but that’s only the first thing. Will you require a moving company? How much will it be to rent or buy a property? How expensive is your new location? Have you thought of inflation or local taxes?
Try to define your objectives and the lifestyle you want to sustain. Having a clear direction will help you to set the base for your financial plan. Little things count: don’t consider only big expenses, but everything else. Find out the cost of food, telephone services, and transportation. Envisaging your daily routine might help you to figure out everything you will need to consider in your budget. Knowing your options
Banking and payment methods can vary from country to country, so find out as soon as possible if you will have easy access to funds from your new location. Maybe you will need to bring cash or traveller’s checks with you, but bear in mind that with large amounts of cash you may have difficulties going through customs.
A common dilemma for expats is whether to open a local bank account or opt for an international option. Some expats choose to open an offshore bank account which grants easy access to financial savings, but these accounts are not accessible for everyone. Furthermore, some banks require a costly initial deposit, or high maintenance fees. Choosing the right bank account will most likely depend on where you are, your individual situation and your specific needs.
Expats have to frequently account for specific international banking fees, money transfer charges or currency exchange rates. Be prepared for this type of expense, and dedicate some time to study the different financial options you have in your new country.
Before making a decision on what best suit your needs, you will need to invest time to gather as much information as possible, compare alternatives, and exercise forecasting. It can be stressful, but you will find this a rewarding learning process that will help you to cut down on expenses in the future.
 
Tax
When starting a life in a different country, you may find yourself having to pay various kinds of tax or account for fiscal charges that you were not familiar with before. Understanding the implications of tax are therefore of huge importance when relocating. Read through this guide to get an overview and find out what you should know about taxes before you move to a new country.
Tax repercussions can be of such relevance that it is not uncommon for it to become a reason for moving abroad, and it happens so for both wealthy and people with a much lower income. In some countries, various taxes can take up much of a person’s salary, or represent a major difficulty for affording property.
A lack of the relevant legal knowledge could get you into trouble with the tax authorities or could lead you to pay more taxes than necessary, so make sure you do some research on the tax systems in your new destination prior to your move. Find out also about local regulations concerning international taxation, as in some cases there may be ways to minimize international tax burdens.
 
What to consider
Some tax authorities require all taxpayers to be registered, or to acquire a tax ID, so start by finding out who the authority is in your new country and what you’ll need to do to get things in order. In many cases, expats’ employers take care of this, so ask your employer if you are in doubt or whether they need any documentation from you.In many occasions, expats return to their home countries and are able to apply for tax return. It is therefore worth finding out about applicable tax return claims; which local office can handle your tax return and what would be required to get yourself prepared for this scenario. Tax offices can be a great place to find information and advice. Before your move, find out where your local tax office will be and what services they can provide.
When trying to figure out the tax system, think of the different aspects that might apply to your particular situation. How much will taxes take up your salary? Will you be liable for income tax in your new country? Are there property taxes you are not yet aware of? If you are married, will you have to pay different taxes?
 
Social security
As with income tax, many countries have a social security system in place to which workers contribute via salary deductions. You may be required to contribute to a social security system if you are employed or self-employed.With some basic research you can find out if there is a social security system in the country you will be moving to. As employers deduct employees’ social security contributions directly from their salaries, find out what the impact on your income will be.
Your contributions to a social security system may grant you benefits such as medical care. In other cases, however, you may be excluded from the system as a foreign national, in which case it’s highly recommended to get personal insurance.
 
Getting advice
Fiscal matters and taxes change vastly from one country to another, and a system becomes more difficult to decipher in countries where taxation is particularly complex or where the language is an obstacle.
If you feel overwhelmed in trying to comprehend the repercussions of taxation in your new country, consider the options of getting help from the tax office, or consulting an advisor.
Getting advice from an expert can be expensive, but it can make the understanding much easier, it would keep you in line with the tax authorities and it could even save you money - as it might prevent you from paying more taxes than you need to.
 
A Guide to Staying Healthy Abroad
As you plan to relocate to a new country, you will be focusing on securing peace of mind in as many aspects of your new life as possible; and healthcare is an essential one. We have put together this guide to take you through the basics of international healthcare, and to help you manage your well-being abroad.
So you’re about to become an expat. You are taking into account many factors to ensure a successful relocation. Have you figured out how the healthcare system works in your chosen destination? Moving another country can be an incredibly rewarding life experience, but it comes with a specific set of challenges for health and well-being.
Ensuring that healthcare will be provided for you and your family is one of the most important things you will need to consider when moving abroad.
When it comes down to health standards, statutory care and emergency treatment; details vary from country to country. There can be major differences in waiting times, cost, and access availability for expats; slotting straight into another country’s national health system may not be as easy as you’d think.
It’s key to research the implications for expatriates in your new country of residence, as all the home comforts you’ve come to expect may not necessarily be available to you.
 
Staying healthy abroad
As exciting as it is to move to a new country, remember there are always risks. This guide provides you with tips and advice for a healthy stay abroad:

Some countries present particular health risks that you may have not faced in the past – it’s important to do some research prior to your move. The World Health Organization is an excellent resource for researching your destination. Make sure you are informed of any health risks associated with your new country, as this could help you to be prepared and prevent an emergency.
Before your move, go for a medical check-up and consult with your doctor to find out if there are recommended vaccinations for the country you are moving to, and discuss any medical issues you may encounter abroad. Certain vaccinations may be a requirement to enter some countries. In cases where vaccinations are not required, they can still be highly recommended.
If you are moving to a country with considerably different weather conditions, consider the implications and be prepared. Respiratory illnesses are very common among foreign visitors in a new country; in many cases they are a result of the body dealing with new temperatures. Make sure you pack appropriately for the weather conditions you’ll be about to experience.
Get a copy of your medical history, and take it with you. It is also a good idea to scan and store it electronically.
You may want to visit your dentist before you go, or if you wear glasses, get a spare pair.
If you take regular medication, get an extra supply and take a copy of your current prescription (you may need this at customs or airport security). Finding out the generic name for the medicine is also useful, as it may be marketed under a different brand in another country.

Upon arrival to your host country

Make sure you know the number to call the emergency services.
If you don't speak the local language, try to learn some basic words such as help, emergency, or doctor.
Find out where the nearest hospital is, and check that your health cover will provide you access to treatment there.
If you are eligible for cover from the local health care system, start the paperwork as soon as possible. In many places, getting through the administrative steps can be complicated; so the sooner you start, the better.

 
Expat health insurance
Before you jump on a place, think about your well-being and make sure you have appropriate health cover.
In many cases, you will not necessarily have the right to healthcare in the country you are moving to. It is highly recommended that you always have health insurance cover to avoid a situation where you may not be able to access the medical assistance you require.
Even in some countries where you are eligible for treatment in the public system, you may find the quality of care does not meet the standards you are used to; plan accordingly.
Some countries (such as those which are members of the Schengen Area, the UAE and the US for some visa types) require proof of health insurance before a visa will be issued.
For expats moving from one EU country to another, an EHIC card (European Health Insurance Card) can provide cover for emergency treatment for a short period of time; until you can get cover in the local health system.
 
Visa & Immigration
Very few lucky expats escape from the nightmare of having to sort paperwork and go through bureaucratic delays before they move to a new country. Chances are you are likely to have to deal with visa requirements, so we are bringing you this guide to give you an idea of what to expect, and a few tips to help you through the process.
Figuring out everything you’ll need to do in order to obtain a required visa or work permit can take a considerable amount of your time; so the best you can do is get to it as soon as possible.
If you have secured a job in a new country, find out what you will need to do in order to have your paperwork in order. Your employer should be able to give you some information on visa support, and may even take the worry off your hands.
 
From forms filling to long waits
Visas and work permits can be a complicated matter. More often than not, these things involve a great deal of bureaucracy, extensive forms to fill and long delays. But stay positive; with advance planning and appropriate research it will all fall into place.
The first step is to find a reliable, up-to-date source of information – each country has its very own regulations when it comes to immigration, so make sure you obtain specific information regarding the country that you are planning to move to.
Look for official websites like the country’s consulate or the immigration department, often part of the Home Affairs Ministry or Ministry of Justice.
Find out at your earliest convenience what type of visa or work permit will be required for you and any family members accompanying you, paying special attention to costs and timescales. Bear in mind that procedures can vary if you and your family members have different nationalities.
Some countries require that your passport has at least six months validity prior to the date of your arrival. Some others may require in addition that you provide a Police clearance Certificate (or official criminal record), or even mandate specific vaccinations for allowing your entry. It’s important to look into detail on what your new country will expect from you.
Citizens of the EU and EEA member countries are usually allowed to enter other member countries and have the right to live and work, but there are some specific restrictions on freedom of movement between nations. Make sure to not overlook restrictions that may apply to your situation. Many expats within the EU may not need permission to live and work in a European country, but will still need to register once they have moved and apply for specific permits.
 
Requirements upon arrival
That’s right - after all the work you will have gone through prior to your move, organizing all your documents, making dozens of copies and filling lengthy forms, you may still need to file some more paperwork once you arrive in the new country.
Of course, this will depend on where you are going and where you are coming from. But it’s worth noting that many places require you or your family members to apply for different permits (residence permit or identity card) after entry to the country.
Even if your paperwork is all in order once you are in the new location, you may still be required to register with local authorities. Find out what you will need to do as soon as possible and prior to your move, so that you can organize your agenda upon arrival.
 
All done and dusted …Or is it?
It’s a very gratifying feeling for expats to have gone successfully through the lengthy process of sorting visas or permits, and to start a fully compliant life in the new country! However, it is important not to lose track of your papers’ validity.
As a foreign national, you may be subject to fairly regular renewals of your passport, visa or work permit. Before you forget that document at the back of the bottom drawer, it may be wise to check expiry dates and keep a calendar to know when you’ll be required to process any renewals in order to maintain all your papers in order.
If after a while in the country you are thinking of changing job, take into account the fact that most permits are not transferable to different employers and you may need to obtain a new permit. Or else, if you plan to apply for citizenship, you may have to wait for a number of years. In this case, it may be worth checking whether your new country accepts dual nationality, as you might be required to surrender your original nationality in order to gain the new citizenship.
 
International Schools
Cigna's INTERNATIONAL SCHOOLS FINDER is one more resource we have developed to help expats in their challenge of moving and settling abroad. First of its kind – our intelligent and responsive map is especially designed for expats to search, locate and find details of thousands of international schools across the world.
https://www.cignaglobal.com/international-schools

Search by country – anywhere in the world!
Zoom in or out of any geographical area
Add schools to your ‘shortlist’ and compare your choices’ features
Filter your results by different academic and curricular options
Find specific details for each school – website, contact details and quick facts!

 

#### Business Owners and Health Care Reform
How Business Owners Pick "Play" or "Pay" in 2014 Healthcare Reform
From: Real Health Care Reform
If your business requires more than 50 workers, you have a decision to make about the approaching health care reform changes.  The Affordable Care Act is on track to enforce a penalty for failing to provide minimal health insurance coverage.  The first step is to see whether your company fits the definition of what firms can be penalized.
The actual language of the act is not that clear in a couple of ways.  It refers to employers with at least 50 full-time “equivalent” employees, and indicates there’s a penalty if the employer does not offer “qualified” and “affordable” health insurance to employees.  Here’s the translation.
It’s simple if you only employ staff on a full-time basis.  Otherwise, the “full-time equivalent” can refer to the full-time equivalent of your company’s part-time employees.  This is used to calculate the size of a business based on the number of hours worked by all W-2 employees. That makes the number of full-time equivalent employees roughly equal to the full-time employees plus full-time equivalent part-time employees.  The result is rounded to the lowest whole number, and here’s an example to make that more clear.
Start with the actual number of employees who work 40 or more hours a week. Then, determine how many employees work less than 40 hours a week. You can do that by summing the hours for which wages were paid to part-time employees, and dividing the total by 2,080.
If your company faces a penalty, the next hurdle is to deal with which health insurance plans are “qualified.”  One way to look at that is to consider the set of health care services that are designated as minimum essential health benefits (EHB). Although these must be covered by certain plans in 2014, state insurance departments will have some discretionary power to modify the EHBs.  So, I’m afraid we’ll have to wait for that, and for the affordable definition to be ironed out before 2014.
Once the actual coverage and cost is definite, it’s just a matter of figuring whether the cost or the penalty is higher, right?  Like most important decisions, this is more of an “if, and, or but” analysis than it is an “either/or” choice. Your business may depend on attracting and keeping innovative and responsible staff.  A competitive health benefits program certainly helps, but the cost of employer-sponsored health insurance is a major drain on the company. There are options, and one that’s becoming increasingly popular is health care reimbursement.
You could provide employees with tax-free contributions to use for an individual health insurance plan.  These are available at a much lower cost than group plans.  And, Health Reimbursement Arrangements allow for tremendous flexibility, which can benefit both the company and the employees

#### Businesses and Health Care Reform
One Thing Health Care Reform Did Not Change For Your BusinessFrom: Real Health Care ReformUnder federal regulations, businesses are prohibited from directly paying for employees’ individual health insurance premiums and medical expenses without the use of an HRA (Health Reimbursement Arrangement), or another tax-free arrangement that is IRS/HIPAA/ERISA qualified.
The two main reasons for this are that 1) Such payments make it would look as if the company is endorsing an individual health insurance policy, and 2) These direct payments would be taxable income to employees.
By paying directly for workers’ individual health plans, according to federal law, a company is treating the policy as if it’s part of an employer-sponsored plan that is regulated by ERISA (Employee Retirement Income Security Act).  The problem here is that your company can be out of compliance with the act because many policies fail to meet the minimum ERISA requirements for group plans.
Your company can also be in violation of HIPAA-privacy requirements because employers are not permitted access to their staff’s HIPAA-protected medical cost details.  That includes the medical expenses covered by health insurance.
The federal government has developed guidance explaining how companies can avoid ERISA and HIPAA regulation violations.  And, to ensure your company does, set up an HRA that is HIPAA and ERISA compliant.  With an HRA, your company can legitimately reimburse employees for medical costs and for health insurance premiums.
Even though, this is the very last month of the year, businesses still have until December 31 to set up an HRA for 2012. This can allow the business to reimburse for the entire year’s health insurance expenses.  Small business owners can see how to establish an HRA, which may help cut health insurance expenses in half, at 105 HRA Plans for Small Business Owners. An HRA is also an option for certain sole proprietors, who can learn more about this at 105 HRA Plans For The Self-employed.
Once established, very minimal administration is required to maintain an HRA.  And, employers have a lot of flexibility in how they wish to structure arrangements.  Employees can also be easily added or removed from HRAs, and because these are reimbursement plans, little upfront funding is

#### California and the Health Care Reform
California Finalizes Exchange Blueprint. The AP    (11/15) reports, "The board overseeing California's efforts to establish an insurance marketplace for providing affordable health care approved its operational blueprint Wednesday, an essential step toward meeting a key deadline under the federal health care reform law." Governor Jerry Brown "is expected to forward the plan to the Obama administration on Friday, the deadline for states to notify the federal government about whether they plan to establish health care exchanges."

#### California Governor Signs Bill To Require Insurers To Update Provider Directories
The Los Angeles Daily News  (10/11) reported that a California bill requiring health insurers “to update their provider directories with accurate information has been signed by Gov. Jerry Brown and will take effect in July.” The bill, introduced by state Sen. Ed Hernandez (D), “was proposed in response to numerous complaints by California residents who enrolled into health plans through Covered California beginning in October 2013 only to find inaccurate provider directories, no doctors in the networks chosen and other mistakes.”

#### California Insurers Planning To Raise Rates.
The Sacramento (CA) Business Journal (12/3, Robertson, Subscription Publication), Kathy Robertson writes, "Anthem Blue Cross, California's largest for-profit insurer and leader in the individual market, is seeking an average rate hike of 26 percent for 340,000 members, effective Feb. 1. Another 296,059 may get an average increase of 24.6 percent the same day." Another group of 1,659 members may get a 2.1 percent cut in their rate. Aetna proposed an average 18.8 percent hike in rates while Kaiser is seeking to increase rates by an average of 7.7 percent. Regulators at the California Department of Insurance and the California Department of Managed Health Care will review the plans but "cannot set rates or deny them."

#### California state Capitol Meetings
 


It was a special moment to meet with the Hon. Dave Jones, Insurance Commissioner for the state of California. He talked about the importance of having more choices, more opportunities and competition among carriers. "We truly should be careful of exclusivity". The message was very clear, he would do what's right for CA consumers.
 

Thank you for Assemblyman Mike Gatto that allow us to communicate and understand CAHU position on few of the Bills that we currently support for example: AB533(Rob Bonta) to protect consumers from unexpected medical bills if they treated by an out-of-network provider at an in-network facility. If you ever experienced the situation, you surly understand the high volume of claims and the implication of these situations ~
 

I enjoyed meeting Assemblyman Rob Bonta, where he represents the cities of Oakland, Alameda, and San Leandro as the first Filipino American state legislator in the history of California. He currently chairs the Assembly Public Employees, Retirement, and Social Security Committee.  His message was very clear: "Health Care is a Right not a Privilege"

The LAAHU team meeting with Assembly member Adrin Nazarian Representing the 46 District, San Fernando Valley, Los Angeles. Left to right: Neil Booth, Ross Pendergraft, Assembly member Adrin Nazarian and Naama O. Pozniak #LAAHU #CAHU #capitolsummit #coveredca #Anthem #KaiserPermanente #Aetna #BlueShield #ACA #district46 #love #peace #meditation #yoga #loweringhealthcarecost #affordability #PAC #HUPAC #AB2436 #AB533 #SB923

#### Cancer, Critical Illness, and Accident Coverage
How will you pay for what your health insurance won’t?
Even those of us who plan for the unexpected with life, disability and medical insurance may discover that some expenses can still remain unpaid. Without adequate protection, sufferers of critical illnesses might have to pull from their savings or rely on other financial sources in their time of need.
Specified Disease Insurance (AKA Ancillary products) helps fill the gaps in your health insurance.
With Ancillary products like these, you’re paid a benefit that can help you cover:

Deductibles, co-pays and co-insurance of your health insurance
Home health care needs and household modifications
Travel expenses to and from treatment centers
Lost income
Rehabilitation
Child care expenses
Everyday living expenses

 {gallery}specified:::0:0{/gallery}
 

 

 

#### Cat Yoga - Why Yoga and Cats are Good for You
(CNN) Lined up one by one behind a glass door, tiny black fuzzy heads peer out at a forbidden Nirvana. They stare at a privilege only the older and wiser among them get to experience.
Just out of reach is a sea of sweet, spongy goodness: fresh, unclawed yoga mats.
Typically, the Good Mews cat shelter in Marietta, an Atlanta suburb, with its bright walls and white volunteer-scrubbed floors, is home to 100 or so cats who lounge and chase and bat at the odd toy, all while they wait for humans to come find them and give them a forever home. Tonight, however, they are in for something special. Tonight, their home in the cage-free adult cat room transforms into a studio for the ultimate in challenging exercise fads. Classes have popped up on New York's Lower East Side, in San Francisco, even in Des Moines and in Mobile, Alabama.
Tonight, it's yoga with cats.
If you've ever tried a hero's pose with your cat around, you know the challenge has nothing to do with your breathing or flexibility. The Herculean task is keeping your yoga mat feline-free. Whatever they make yoga mats out of, the material must come from the catnip family. Turn your back just once to grab your water bottle, and you'll instantly hear the pop, pop, pop of their claws on your pristine $70 Lululemon.
On this night, however, a group of about 15 Spandex-clad women have deliberately plunked down their mats in the middle of the cat room. And true to form, the sleeping cats that had been lounging -- furry legs dangling from cat trees around the room -- instantly jolt awake. They start climbing down toward their prey.
One of the shelter managers, along with a longtime volunteer who is a certified yoga instructor, got the idea for the class -- where else -- after seeing a cat video on the Internet. Only, in that case, people brought cats to a yoga studio."I thought with people with allergies, it might be hard to clean up the studio afterward, so I thought, why not bring the class to the shelter?" said the instructor, Lisa Bass. The manager of the shelter, Lisa Johns, thought it was a great idea. She'd wanted another way to get people into the shelter to see the adoptable animals. With Bass donating her time, the class participation fee becomes a donation to help support the animals. Besides the usual assortment of cats and kittens, the shelter runs an expensive program that places cats with special medical needs, continuing to pay for their care even after they've left the shelter.
The class has been a huge hit. It sells out almost as soon as the times are announced online three times a month.
"I really like the class and really like hanging out with all the cats," said Katie Misencik, a volunteer and regular yoga practitioner.
Misencik has taken other theme yoga classes, including one that involves beer, but she says the cat class is pretty special. "It's all about fun and is a little more relaxing," she said. "There's not as much pressure to make my form perfect."
Studies show that yoga can improve your balance, your breathing, your sense of self and your overall health. It can reduce anxiety and fight off depression. It strengthens your core and can help ease chronic pain.
There are no studies about the health benefits of cat yoga, but Bass does see a difference in her students after they've shared their practice with a tiger cat. "In general, yoga is great for lowering the heart rate, and it's great for flexibility," Bass said. "Cat yoga is good for your soul."
From the happy looks on the women's faces, the class does seem to be a hit -- even if, collectively, they may suffer a little from what Bass calls CADD, or cat attention deficit disorder. But even the most senior of yogis might struggle in a room with such present creatures.
As soon as the soothing music starts, cats do make a beeline for the students and the yoga mats.
A calico wanders through a woman's legs as she tries to balance in a low lunge. A white cat sniffs and rubs against a woman in cow pose as she instantly becomes a kind of cat jungle gym. One nestles into the discarded jacket next to a woman's mat. Two tabbies gang up and attack a woman's long dangling ponytail as she attempts downward dog, or "downward cat," as the instructor calls it. A tuxedo perched high in a cat tree looks down at another woman, a little judgy at her attempt at a cat pose. To a person, each woman laughs at these antics. Some even dangle fuzzy toys as they make their complicated moves. The cats seem to like the attention.
"They get stimulation from the humans," said Johns, the manager. "They are very curious about what is going on. They get a lot of loving and affection and get more socialization." Johns also thinks the humans benefit from the special kind of happiness you can only feel bonding with a cat.
"You're not just doing something healthy for yourself," Johns said. "You are doing a bit of good too for these shelter cats that will only get even more adoptable with the extra time and attention."
Namaste.
{gallery}catyoga1216:::0:0{/gallery}Source: http://www.cnn.com/2016/11/28/health/cat-yoga/Photo Credit: CNN

#### Changing Landscapes in Benefits For 2019: New Growth, New Year!
We at RightPlan are heartbroken to hear that many of our friends,family, and clients have been affected by the horrible shooting and these fires that have engulfed the Los Angeles area. We are here to help with trauma relief and always want to be there for you, whatever your needs may be. It is a hard time for us all, as we come together to fully grasp the outcomes and how we will move forward.At this stage, we are here to kindly remind everyone that Open Enrollment deadlines are fast approaching. With all that’s going on and with the holidays coming, it’s important not to miss these deadlines.
December 7, 2018 is the last day for the beautiful Medicare community, ages 65+, to sign up for an effective date of January 1, 2019. For any changes that need to be done for part D medications and Medicare Advantage Plan MAPD, we are here to assist.For the under 65 individual market, December 15, 2018 is the last day for people to change their current coverage for January 1, 2019. Open Enrollment continues until January 15; applications submitted between December 16 through January 15 are for a February 1, 2019 start date.We are here to assist in any way possible, and our office and phone is open to any questions.Furthermore, as we see these renewal rates continue to climb each year if you own a business and you have as little as one employee on your payroll,perhaps the employees benefit market will be comprehensive for you in the bigger picture. It is currently cheaper than many individual rates, as well as having a stronger network of doctors alongside more comprehensive coverage to include access to coverage from state to state. Reach out to us and let’s see if a small or large group insurance policy is right for you and your team.Healthcare is another taxing thing to finish before the year is through, and we at A+ can help lighten that load.
We wish you Happy Holidays full of love, compassion and meaningful connection.
Please keep it positive and special, and Happy New Year from Naama and the A+ team.

#### Check Your Prescription Cost
URL: https://rightplan.com/check-your-prescription-cost/

#### Chiropractic Plans
Introducing California's First & Only Individual & Family Chiropractic Plans

Landmark’s chiropractic insurance plans offers your clients access to California’s best chiropractors. Our plans are currently available throughout Southern California and most Bay Area markets. All plans include a maximum of 20 chiropractic office visits per year for a co-payment of $20 per visit. If chiropractic X-rays are required, the co-payment is $65. Pricing for Landmark’s insurance plans is as follows:

Individual Plan: Annual Premium is $238 or $19.83 per month.
Individual Plus One Plan: Annual Premium is $476 or $39.67 per month.
Family Plan: Annual Premium is $952 or $79.38 per month.

The premium may be paid in full in advance or in monthly installments. If the monthly option is chosen, a one-time installment processing fee will be collected. This fee is $15 for Individual Only, $20 for Individual Plus One and $25 for a Family plan. Under our chiropractic insurance plans, members may see their Designated Chiropractor for wellness visits or for the treatment of chronic or acute conditions. Prior authorization is never required.
Savings Example

With Landmark’s Individual & Family Plans, you can expect substantial savings over what you would pay without chiropractic insurance.
This example assumes a course of treatment consisting of six visits. Actual utilization will vary. Comparison based on typical California chiropractic charges
 
Member must live or work in one of the following service area counties:
BAY AREA: Alameda, Contra Costa, Marin, San Francisco, San Mateo or Santa Clara
SOUTHERN CA: Los Angeles, Orange, Riverside, San Bernardino, San Diego or Ventura
CLICK HERE TO APPLY
 

#### Compliance -  Draft 2016 1095-C Form for 2016
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#### Consequences of the Healthcare Reform
by Eric Vaknin
People with inherited diseases, for example, would not be penalized for heredity conditions  or denied coverage. Healthcare reform brings certain fairness to the system.
In March 2010, the United States Congress succeeded in an attempt to pass a reformation of healthcare. It was an unparalleled success compared to it predecessors. However, the legislation continues to cause concern as to whether healthcare reform will provide improvements to the heath care system.
Most individuals living in developed countries support improvements within any healthcare system. People with certain conditions find healthcare insurance difficult and often impossible to  obtain. This is a reflection of the high cost for medical treatments. Health insurance is a product designed to protect some individuals and is paid by all others insured. That is the purpose. Very few individuals in the middle and lower class can afford the high cost of medical treatment especially long-term hospital care. Healthy people will cover the cost of expensive treatments through insurance premiums.


 
One positive outcome of healthcare reform would be coverage for people with serious medical conditions incapable of receiving insurance. People with inherited diseases, for example, would not be penalized for heredity conditions or denied coverage. Healthcare reform brings certain fairness to the system.
However, the negative effects should not be denied. Healthcare reform that adds millions of people to the insurance industry will have associated costs. It is difficult to imagine reform being budget-neutral. Time will be the key factor in determination of success for reform. Some aspects have proven successful in other countries as well as complications associated with universal health care. Governments could mediate not control the healthcare system. It is wise to look for places of improvement without sacrificing quality.

#### Corona Virus Update
#healing is at hand for one and for allFrom member of the @Stanfordhospital board. This is their feedback for now on Corona virus: The new #Coronavirus may not show sign of infection for many days. How can one know if he/she is infected? By the time they have fever and/or cough and go to the hospital, the lung is usually 50% Fibrosis and it's too late. Taiwan experts provide a simple self-check that we can do every morning. Take a deep breath and hold your breath for more than 10 seconds. If you complete it successfully without coughing, without discomfort, stiffness or tightness, etc., it proves there is no Fibrosis in the lungs, basically indicates no infection. In critical time, please self-check every morning in an environment with clean air. Serious excellent advice by Japanese doctors treating #COVID-19 cases: Everyone should ensure your mouth & throat are moist, never dry. Take a few sips of water every 15 minutes at least. Why? Even if the virus gets into your mouth, drinking water or other liquids will wash them down through your throat and into the stomach. Once there, your stomach acid will kill all the virus. If you don't drink enough water more regularly, the virus can enter your windpipe and into the lungs. That's very dangerous. Please send and share this with family and friends. Take care everyone and may the world recover from this Coronavirus soon. IMPORTANT ANNOUNCEMENT - #CORONAVIRUS 1. If you have a runny nose and sputum, you have a common cold 2. Coronavirus #pneumonia is a dry cough with no runny nose. 3. This new virus is not heat-resistant and will be killed by a temperature of just 26/27 degrees. It hates the Sun. 4. If someone sneezes with it, it takes about 10 feet before it drops to the ground and is no longer airborne. 5. If it drops on a metal surface it will live for at least 12 hours - so if you come into contact with any metal surface - wash your hands as soon as you can with a bacterial soap. 6. On fabric it can survive for 6-12 hours. normal laundry detergent will kill it. 7. Drinking warm water is effective for all #viruses. Try not to drink liquids with ice. 8. Wash your hands frequently as the virus can only live on your hands for 5-10 minutes, but - a lot can happen during that time - you can rub your eyes, pick your nose unwittingly and so on. 9. You should also gargle as a prevention. A simple solution of salt in warm water will suffice. 10. Can't emphasis enough - drink plenty of water! THE SYMPTOMS 1. It will first infect the #throat, so you'll have a sore throat lasting 3/4 days 2. The virus then blends into a nasal fluid that enters the trachea and then the lungs, causing pneumonia. This takes about 5/6 days further. 3. With the pneumonia comes high fever and difficulty in breathing. 4. The nasal congestion is not like the normal kind. You feel like you're drowning. It's imperative you then seek immediate attention.


 


#StanfordU #Stanford #CoronaVIrus #COVID19 #Action #Water #solutions #healing #healthcare #community #love


 


?#SHARE WITH #FAMILY and #FRIENDS ?

#### Countdown to 2016 Coverage
Are you ready for the Open Enrollment season? Covered California's Renewal period started as of October 12, 2015 and Open Enrollment begins in 12 days!

Introducing Two New 2016 Covered California Health Plans
Oscar Health is a new health plan now available through CoveredCA: www.rightplan.com this year and the private market, serving Los Angeles and Orange Counties.
UnitedHealthcare is another new offering on CoveredCA www.rightplan.com for 2016. You can choose between the Core PPO and Core Essential EPO plans, giving you access to UnitedHealthcare’s entire Core and Core Essential network, including physicians and facilities in California, Arizona and Nevada.
UnitedHealthcare plans are available in these areas:
Northern California (Alpine, Amador, Butte, Calaveras, Colusa, Del Norte, Glenn, Humboldt, Lake, Lassen, Mendocino, Modoc, Nevada, Plumas, Shasta, Sierra, Siskiyou, Sutter, Tehama, Trinity, Tuolumne, Yuba)Santa Cruz, Monterey, San BenitoFresno, Kings, MaderaSan Luis Obispo, Ventura, Santa BarbaraMono, Inyo, Imperial

#### Covered CA 2022 - Open Enrollment Updates and Important Information
 
Good news, Californians and our community!
 
Covered CA is now more affordable than ever. With over 1.6 million members, the popular program is seeing lower rate increases and a more significant number of families who qualify for subsidies, with premiums for over 730,000 Californians as low as $0 or $1 per month!
 
The American Rescue Plan benefits that went into place this summer will continue through 2022, lowering costs for many members. These benefits build on California’s state subsidies to provide financial help and lower premiums for many middle-income Californians for the first time.
 
Specifically, the American Rescue Plan expanded Marketplace subsidies in 2021 and 2022 for enrollees above 400% of the federal poverty level and increased subsidies for those making between 100% and 400% of the federal poverty level. These changes have resulted in consumers being eligible for higher subsidies and made cost-sharing reduction plans more attainable. It is more important than ever to connect with a qualified Covered CA Storefront agent to help you determine if you qualify for these new lower rates.
 
The official Covered CA Open Enrollment period this year runs from November 1, 2021 until
January 31, 2022. While December 31 is the last day to apply for an effective date of
January 1, 2022, the last day of enrollment on January 31st will allow a start date of
February 1, 2022.
 
MORE CHOICES in 2022:

All Californians will have at least two choices for Covered CA plans. In addition, 94% will have 3+ options, 81% will have 4+ options.
Anthem Blue Cross will return to Alameda, Contra Costa, El Dorado, Marin, Napa, Placer, Sacramento, San Francisco, San Mateo, Solano, Sonoma and Yolo counties.
Blue Shield of California will bring its Trio HMO plan into portions of Monterey and Santa Barbara counties.
Valley Health Plan will expand into San Benito and Monterey counties.
NEW CARRIER- Bright HealthCare, which currently operates in 13 other states and covers more than 500,000 people in the individual market, will begin offering coverage in Contra Costa County.

 
IMPORTANT NOTES FOR RENEWALS:

Unemployment Insurance: any Covered CA member who received the extra Unemployment Benefit of $300 (which ended 9/4) must report this income and will need to adjust your income with Covered CA.
Silver 70 plans will have a lower medical deductible of going from $4,000 to $3700 and lower RX deductible going from $300 to only $10.
There will now be $0 Premium Silver plans available for income-qualifying individuals and families.

 
CoveredCA for Employers:
Small businesses are available for coverage as well – Covered CA is not just for individuals. There are many benefits for small businesses needing small group health coverage with various options.
New Groups are easy to set up!
Employees enroll online, and there is minimal paperwork for employers to complete. This is also the fastest group approval of all options.

Employers can offer up to 4 tier options to employees (Bronze/Silver/Gold/Platinum plans)
Several carriers have a variety of plans/rates to offer employees choices (HMO/PPO/EPO)
Brand-name insurance like Blue Shield, Health Net, Kaiser and Oscar all participate with multiple plans
Coverage is available for out of state employees
Optional child and family dental plans are available
Employer Contributions can be customized with a separate class for Management
Groups under 25 full-time employees with an average annual salary of $56,000 or less may qualify for tax credits
Employer online access is newly improved, with more billing details and auto payment with a checking account now available

 With Covered CA, you can get cost controls for you as a business owner combined with flexibility and coverage choices for employees – a win-win!
 
As a community Covered CA storefront, we at Rightplan.com can match you with the best plan that meets the unique needs of your family or business. So, if you haven't re-assessed your Covered CA eligibility in the past six months and updated your income, now is the time to do so.
 
As always, your health and longevity begin with YOU and the choices you make daily. Dean Ornish, M.D., Clinical Professor of Medicine at University of California, San Francisco says, "Think about it: heart disease and diabetes are completely preventable by making comprehensive lifestyle changes. On many occasions without drugs or surgery." This is an absolute fact!
 
We are committed to helping every client achieve their health goals, whatever their current situation. Moving closer to eating plant-based and whole foods, making time for mindful moments and sharing your gratitude for the people, places, and blessings in your life are just a few of the ways we can get in touch with our most healthful self.
 
Much ❤ 
Naama and the RightPlan team

#### Covered CA for Individuals and Families
So many new words in health insurance… subsidy, state exchange, APTC, SBC… what’s it all mean?  Well, I will tell you!California’s state exchange is called Covered CA. That’s where individuals, families, and employers can go and purchase insurance.  If they are in a certain income level, you can maybe get a discount on not only your monthly premiums but your out-of-pocket costs as well. That premium discount is called a subsidy or APTC (Advance Premium Tax Credit) and the out-of-pocket discount is called the CSR (Cost Share Reduction.)RightPlan is a preferred Covered CA Enrollment Partner, working diligently to assist enrollments in Covered CA policies and Medi-Cal.  It is Naama’s mission to assist everyone through all phases of their life; no matter how complicated, it’s our job to make it easy and efficient.
Yes, I qualify!
Think you might qualify for a discount?  Call us or check the chart below.

 
More on the ACA
The Affordable Care Act standardized plans both off and on the state exchanges.  All companies are now offering what’s called the metallic tiers, each of which have essential health care benefits.  See below for a very helpful graph in understanding your options. For more information on relevant forms, recent updates on the ACA, and information on Group on exchange policies, please click each hyperlink.

 

#### Covered CA SHOP
Covered CA for Small Business (SHOP)
 


Covered CA SHOP As a small-business owner, you may qualify for a federal tax credit to help offset the cost of providing health insurance to your employees by purchasing coverage with Covered California for Small Business. To qualify for a tax credit, employers must contribute at least 50 percent of their employee premium costs.
Click here for more information on the tax credit through Covered CA’s SHOP for Small Business.  Give us a call for a quote and more information on how to get your small business the best SHOP policy available!
 
 

The website is owned and maintained by RightPlan Service, which is solely responsible for its content. This site is not maintained by or affiliated with Covered California, and Covered California bears no responsibility for its content. The e-mail addresses and telephone numbers that appear throughout this site belong to RightPlan Service and cannot be used to contact Covered California.

#### Covered California - 2015 Rates & Health Plans
Covered California Announces 2015 Rates & Health Plans
Today, Covered California announced 10 health insurance plans have been tentatively selected to be in the Exchange for calendar year 2015.
Here is a link to the press release and leadership remarks regarding this announcement. Details on the plans available in specific pricing regions can be found here. The tentative selection of health plans is subject to rate review by state regulators and is expected to be finalized in late September.
The 10 Covered California plans for 2015 are:

Anthem Blue Cross of California
Blue Shield of California
Chinese Community Health Plan
Health Net
Kaiser Permanente
L.A. Care Health Plan
Molina Healthcare
Sharp Health Plan
Valley Health Plan
Western Health Advantage

Alameda Alliance for Health and Contra Costa Health Plan will not participate in 2015.


 
Rates for 2015 came in at a low increase over last year. As a result, the vast majority of Covered California consumers will see a small increase in their premiums, while others will see no increase, and still others may experience a decrease.
The statewide weighted average rate of increase was 4.2 percent. Some plans offering weighted average rates that are 8.5 percent lower than current pricing. While premiums may be shifting for some areas and products, the benefits will not be changing.
90 percent of members currently enrolled in health insurance plans through Covered California are receiving federal subsidies, or premium assistance, to help reduce their overall costs. In most areas of the state, the amount of premium assistance that individuals receive in 2015 will either increase or remain very close to 2014 premium assistance amounts.
The Shop and Compare Tool on the Covered California website has been updated and now shows 2015 plans, preliminary estimate of costs (until rates are finalized in late September) and premium assistance. When using Shop and Compare, it is important to use reported income amount and ask if any income changes are expected in 2015.
Thank you for your continued participation and support.

#### Covered California - Updates/Deadlines/Changes
Blessings and Best Wishes to You!
We hope you and your families enjoyed your summer and are ready for the upcoming fall season! We are all well aware of the never ending changes and correspondence you are receiving from Covered California, as we are now preparing for the upcoming open enrollment, we need to keep you informed of any crucial developments/deadlines/changes that could affect your health coverage.
There are three very important updates you need to be aware of:

First, any missing documentation that has been requested or information that was unable to be electronically verified MUST be submitted or addressed immediately, final deadline to avoid loss of coverage is SEPTEMBER 5, 2014. (If you are unsure of missing documents you can either call our office to inquire or call 1-800-300-1506)
Second, any citizenship or immigration/lawful presence letters requesting documentation you may have received also need to be addressed and or submitted by SEPTEMBER 5, 2014.
Third, on August 28, 2014, Covered California sent out notices to health plan enrollees asking permission to automatically verify their income for the coverage year 2015. To avoid any confusion, let me give you the bottom line! The page that is titled “Renewal of Insurance Consent Form” is what really needs to be addressed immediately. ****Our recommendation is that you either send us an email with your selection so that we have it writing to be filed, or fax us the completed form you received so that we can update your account immediately. If you have access to your account, you can also confirm that way by logging on and checking the box provided. We highly recommend that you notify us of any changes.

FAILURE TO PROVIDE ANY OUTSTANDING DOCUMENTS OR COMPLETE THE “RENEWAL OF INSURANCE CONSENT FORM” WILL RESULT IN LOSS OF COVERAGE. ANY MEDI-CAL INQUIRIES SHOULD BE MADE THROUGH MEDI-CAL DIRECTLY AT 1-800-578-6762. ANY MEDI-CAL RECIPIENTS THAT NEED TO PROVIDE DOCUMENTS CAN DO SO THROUGH OUR OFFICE UNLESS ADVISED OTHERWISE BY MEDI-CAL.


 
 Covered California 2015 Open Enrollment
As we mentioned in the July email, the new 2015 open enrollment begins on November 15th, 2014 and ends on February 15th, 2015. We encourage you to evaluate your health care needs to ensure that your current policy is meeting your needs. We are happy to assist you with your evaluation, and make recommendations based on your experience and your needs.
For example, questions you may want to ask: 

Am I happy with the doctors in my provider network? 
Have I paid a lot in out of pocket costs? 
Do I want to add dental and vision?

If you do not request any changes or submit any change reports, you will auto-enroll in the same plan if it is available with the same tax credits.
 
Other important updates and information for Covered California
**Below is a summary of the series of letters that you will see in your mailboxes through the end of this year if you are enrolled in a health plan…..
 



Notice
Time Period
Content


NOD17  
July / August  
Create an online account  


NOD11  
August / September  
Authorization to verify income, federal hub  


 
September  
Citizenship verification letters  


NOD12  
October  
2015 renewal letter  


 
October  
Co-branded CC and carrier renewal letter  


 
Autumn  
Families receive termination notices of stand alone pediatric dental plans  


NOD01  
November / December  
Notice of Determination for APTC eligibility  



 
Insurance Carrier Updates for Covered California
A list of individual and family plans by region, carrier and plan type offered through Covered California for 2015. A significant change to the plan types is that Health Net and Blue Shield have dropped their PPO plans and will be offering an EPO instead. Stand-alone pediatric dental plans are being terminated. All new IFP will include children’s dental benefits. Family dental plans will also be available on the exchange sometime in 2015, but they will receive no tax credits to reduce the monthly premium.We are happy to introduce a new addition to our Covered California team, Evelyn Chavez. Evelyn will be joining us starting Thursday, September 4th 2014. We at RightPlan Service are always here for you to assist with any of your health coverage needs. Do not hesitate to give us a call if you have any questions at 818-508-7177.  Many blessings to you,
RightPlan

#### December 15, 2016 is the First Deadline for Coverage Effective January 1, 2017 - TrumpCare2017
{pdf=docs/trumpcaredec2016.pdf|100%|1170}

#### Delta Dental
How to find a Delta Dentist?
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Heart Disease and Oral Health
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#### Dental Insurance
 
Establishing new dental coverage or enhancing existing benefits is both easy and affordable. We have great money-saving solutions for dental and vision for our CA clients!
RightPlan Service knows how important dental care is for your long-term health. Each and every client (and their teeth) is very important to us! We will make sure that we find a plan that fits your needs and stays within your budget.

 
Dental and VSP Vision Insurance
   
 

#### Do You Smoke? Important News Regarding Insurance Rates!
Health Care Reform and Smokers Insurance RatesFrom: Real Health Care Reform
One of the promises of the health care reform laws that take effect starting in 2014 is that people can no longer be declined or charged more because of pre-existing health conditions.  Even if you are morbidly obese, have diabetes, or are an alcoholic – you cannot be denied or charged more.  The one group that can be charged a premium though, is smokers.
The law allows health insurers to charge smokers up to 50 percent more for their health insurance.   This is on top of rate increases that are already expected to exceed 30 to 50 percent or more.
People who are covered under group plans can avoid the penalty by joining a smoking cessation program.  But once again purchasers of individual health insurance are discriminated against in this area, and do not have this option.
Tax Credits and the Smoking Penalty
Tax credits will be available to help people that are making less than 400 percent of the federal poverty guidelines pay for their health insurance.  But these tax credits can not be used to pay the smokers penalty.
It is expected that older smokers will be charged the highest smoking penalty.  Because premiums will be going up substantially due to the mandates of the health care reform law, this could mean a smoking penalty of $5000 a year or more.  Many smokers will probably find health insurance completely unaffordable starting in 2014.
Use Your HSA to pay for Smoking Cessation Classes
Of course, quitting smoking is a great idea. If you have a Health Savings Account, you can withdraw money from that account tax-free to pay for smoking cessation counseling or classes.  However, you cannot use the money to pay for over-the-counter medications like nicotine gum, without a prescription from your doctor.

#### Draft Employer Reporting Forms Finally Released!
The draft instructions clarify that forms 1094-B and 1095-B are to be used by organizations that are not reporting to the IRS as large employers, while forms 1094-C and 1095-C are to be used by organizations that are subject to the employer mandate. The 1094-B form is a transmittal form. The 1095-A form is for issuers reporting on individual marketplace plans, while the 1095-B form applies to fully insured plans and issuers that provide minimal essential coverage to report on the individual and group plans in the private market and SHOP marketplace. I will continue to update you once the instructions are finalized Subject to the employer mandate effective date: 01/01/15: over 100 employees: http://newsmanager.commpartners.com/nahuw/downloads/ER_Reporting_DRAFT_filing_1094C_and_1095C.pdf not reporting to the IRS as a large employers: less than 100 employees: http://newsmanager.commpartners.com/nahuw/downloads/ER_Reporting_DRAFT_filing_1094B_and_1095B.pdf Blessings for a wonderful day!

#### Eat Healthy - Stay Healthy
10 Easy (Eating)Tips to Live By
Eating healthily is all about balance. Every now and then it’s perfectly OK to have pie for dinner or a nice slice of cake at teatime – treats are a part of life – but it's also important to recognize when we're pushing things too far. Indulgent food should be enjoyed and savored, but only occasionally – it's important to remember that the majority of our diet should be made up of balanced, nutritious everyday foods. Make healthy food a priority in your life and allow it to bring your family and friends together. Learn to love how it makes you feel, how delicious it is and remember that a healthy balanced diet and regular exercise are the keys to a healthy lifestyle.
1. COOK FROM SCRATCH
This is one of the most important life skills you can learn. It allows you to have complete control of what goes into your food.
2. EAT A BALANCED DIET
Aim to eat a balanced diet that contains each of the food groups in the correct proportions.
3. VARIETY IS KEY – EAT THE RAINBOW
Fill your diet with a wide range of fruits, vegetables, lean meats, fish, eggs, pulses, nuts, seeds, wholegrains and naturally low fat dairy foods. When it comes to fruit and veg, different colours provide your body with the different nutrients it needs to stay strong and healthy – it's not just greens that are good for you!


4. UNDERSTAND WHAT YOU'RE EATING
Make an effort to learn about the food you're eating – we all need to understand where food comes from and how it affects our bodies.
5. EAT NUTRITIOUS CALORIES
Make sure the majority of your energy intake comes from nutritious calories that also provide your body with nutrients like vitamins, minerals, protein, fibre and good fats. Avoid empty calories.
6. DON'T SKIP BREAKFAST
Breakfast kick-starts your metabolism and helps you to be alert and awake throughout the day. Make sure you always eat a nutritious breakfast. Make it wholesome and make it count.
7. READ THE SMALL PRINT
It's important to read packaging correctly. Be aware of the recommended portion sizes, and the sugar, salt and saturated fat contents. Remember that not all E-numbers are bad, but too many is often a bad sign.
8. DRINK MORE WATER
Water is an essential part of your diet. Drink plenty of water and avoid empty calories from things such as fizzy drinks, energy drinks or juices with added sugar. Eat your calories don't drink them.
9. KEEP ACTIVE
Exercise is an extremely important factor in staying healthy so try to be as active as you can.
10. SLEEP WELL
Make sure you get enough sleep – it's an essential part of being healthy and directly affects how well we are able to learn, grow and act in life. While we're asleep, our bodies have that all-important time to repair.
Source: http://www.jamieoliver.com/healthy-living-tips/

#### Enrolling in Medicare Plans
There are a variety of times you can enroll in or change Medicare plans and supplements. Ads may announce it is Medicare Open Enrollment time, but it might not be true for your type of plan or your circumstance or even where you live (yes, it can vary by state). Additionally, it is best to take advantage of opportunities for “guaranteed issue” on your new policy – that means, there is no underwriting and you can’t be denied coverage based on your medical history.
We can help you review your options! But, here are some basic guidelines on Medicare Open Enrollment Periods that allow people to switch plans without the possibility of being declined coverage:

When you are first eligible for Medicare, there’s a fairly straightforward process. You can apply for coverage on any supplemental or prescription drug plan during the three months before and three months after your 65th birthday month or you first enroll in Medicare. You cannot be denied coverage during that time.
If you remained on an employer’s plan after turning 65 and are now leaving that job, you have two months after leaving to apply for Part B and any supplemental coverage, also without the possibility of being denied coverage.
Changing your Medicare Part D plan can be done from Oct. 15 to Dec. 7 and takes effect Jan. 1.
Moving to or from a Medicare Advantage Plan from original Medicare can be done from Oct. 15 to Dec. 7 and takes effect Jan. 1. If you are in a Medicare Advantage Pkanb and want to enroll in a different one, it can also be done during the annual enrollment period during first quarter of the year.
If you changed plans and are unhappy, you generally have to wait until the next available period. However, if you switched to a Medicare Advantage plan for the first time and are not satisfied, you can usually switch back within the first 12 months.
Part A/Part B general enrollment is Jan. 1 – March 31 for those who did not sign up when first eligible. The coverage begins in July of that year. You can apply for supplemental coverage during that time as well.
It’s your birthday, and you want to change Medicare Supplement plans. In California, your birthday creates a 60-days window during which you can chance to another plan with equal or lesser benefits without medical underwriting. The unique California Birthday Rule recognizes that your rates may go up because you got older and allows you to see if another carrier has lower rates. (In other states, you can apply to change Medigap plan carriers but must get approved by underwriting.)
Additionally, an insurance company or the government may declare a special enrollment period that provides a new opportunity. For example, one insurer in California typically offers guaranteed enrollment for Medicare Supplements for a few months a year. Medicare created a special enrollment period during the COVID-19 crisis too.
 

We are not connected with or endorsed by the U.S. government or the federal Medicare program.  We do not offer every plan available in your area. Currently we represent nine organizations which offer 21 prescription drug plans and countless other products in your area. Please contact Medicare.gov, 1–800–MEDICARE, or your local State Health Insurance Program to get information on all of your options. The purpose of this communication is the solicitation of insurance. 

#### Exciting News for Baby Boomers
New Devices Help Baby Boomers Stay In Their Homes.
The Detroit Free Press (12/26, Erb) reports, "From talking pill dispensers to tracking devices tucked inside tennis shoes to digital medical scanners that can transmit vital signs to the doctor, today's gadgets help seniors stay in their homes and can give relief to loved ones and caregivers." Now, "the new gadgets - once available only to hospitals and the wealthiest consumers - are accessible now to more modest-income homes."

#### Five Answers To Your Health Care Reform Questions
From: Real Health Care ReformWhen talking about health care reform, there are still areas about the law that are filled with uncertainties.  Below are the five commonly asked questions about the Affordable Care Act: 
1.    What is the individual mandate?
The individual mandate by the health care reform law requires every American to have a health insurance plan in place by 2014 or pay a penalty.  The annual penalty is $695 or up to 2.5 percent of your income (for 2016 and beyond).
2.    Could I have a waiting period before employer coverage is available?
Companies subject to the employer mandate of the health care reform law (those with 50 or more full-time employees) will have a grace period of 90 days before offering new hires minimum essential coverage without incurring any penalties starting January 2014. On day 91 onwards, failure to offer affordable and adequate employer-sponsored healthcare coverage would mean paying a per person penalty.
3.    What if employers offer coverage that’s unaffordable? 
Employers with 50 or more full-time employees offering unaffordable health care coverage to their workers with at least one full-time employee getting health insurance via the exchange would still have to pay a penalty.  Employers will be fined an annual penalty of $3,000 per full-time employee (the first 30 workers will be excluded).
4.    How does household income determine if a plan is affordable?
Coverage is said to be unaffordable if the employee have to contribute more than 9.5 percent of their family income to employer coverage.  According to the IRS, an employee’s household income will be verified using your tax filings.  For individuals with income levels below 400 percent of the federal poverty guidelines, you’re qualified to get federal premium subsidies in the form of tax credits or free choice voucher.  Under the law, the health insurance exchange will be ready by January 1, 2014.
5.    What is a free choice voucher?
If your employer offers adequate coverage but is not affordable, you can request a free choice voucher from your employer to get health insurance coverage through the state-based health insurance exchange. The amount of the voucher is equal to the amount contributed by your employer for an individual or family plan. The voucher would still be tax deductible for employers.  Take note that you can choose either the premium tax credit available via the exchange or get the free choice voucher from your employer.  You cannot get both at the same time.

#### Foundation For Health Coverage Education
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#### Frequently Asked Questions
Insurance Frequently Asked Questions And Buyers Guide
We have provided the following brochures to assist you with your questions regarding some of the insurance polices available. This information is made available from the California Department of Insurance. Use Adobe Reader and your printer to print these forms.

Annuities
Health Insurance
Health Savings Accounts (HSA's)
Life Insurance
Long Term Care
Workers Compensation
Choosing An Insurance Broker

 
NOTICE: These forms are in the PDF format. In order to print this form, you must have Adobe Reader. This software is available for FREE from the Adobe Web Site.We do not provide Technical Support for Acrobat Reader Software. For technical support, please contact Adobe.
 

Additional information is also available on our web site for the following: Health Insurance Terms
Health Insurance Buyers Guide
Life Insurance FAQ's

 
Health and Life Insurance Application Library

Group Health Insurance Plans
Individual Life

Licensed To: A Plus Insurance Services - Insurance License: 0784572©2011 Quotit Corporation. All Rights Reserved | Privacy Policy

Frequently Asked Questions
Q. Why do companies raise premiums?
A. Insurance companies raise premiums when the cost of claims they must pay increases at a faster rate than expected. One main cause of premium increases is medical cost inflation, which measures how much more a particular procedure costs each year.Medical Utilization, or the number of times doctors perform a procedure each year, can also cause premiums to increase.Cost Shifting is also responsible for an increase in premiums. Cost shifting occurs when hospitals charge paying patients more money for their stay in the hospital. This offsets their cost of caring for non-paying or indigent patients.New technologies and medical malpractice claims also increase the cost of health insurance.
A. Insurance companies raise premiums when the cost of claims they must pay increases at a faster rate than expected. One main cause of premium increases is medical cost inflation, which measures how much more a particular procedure costs each year.Medical Utilization, or the number of times doctors perform a procedure each year, can also cause premiums to increase.Cost Shifting is also responsible for an increase in premiums. Cost shifting occurs when hospitals charge paying patients more money for their stay in the hospital. This offsets their cost of caring for non-paying or indigent patients.New technologies and medical malpractice claims also increase the cost of health insurance.
Q. What do your premiums pay for?
A. Premiums help pay policyholders' claims, and other expenses, such as producers' commissions, premium taxes, and administrative expenses.
A. Premiums help pay policyholders' claims, and other expenses, such as producers' commissions, premium taxes, and administrative expenses.
Q. How are premiums determined?
A. An insurance company considers many factors when setting premiums. Some of these include:• Medical care costs• Coverage• Age of policyholder when policy is issued• Current age• Health• Habits (such as smoking)• Geographic area• Waivers (a waiver of premium if you choose this option, you would pay more each month in premiums. In return, if you became sick and could not pay your premium, the company would pay it.
A. An insurance company considers many factors when setting premiums. Some of these include:• Medical care costs• Coverage• Age of policyholder when policy is issued• Current age• Health• Habits (such as smoking)• Geographic area• Waivers (a waiver of premium if you choose this option, you would pay more each month in premiums. In return, if you became sick and could not pay your premium, the company would pay it.

#### GeoBlue/HTH Worldwide Medical Travel Insurance - A Closer Look
 
GeoBlue - Individual Products
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How to Stay Healthy While Traveling Abroad
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GLOBAL STUDENT USA
Accident and Sickness Insurance and Services For International Students{pdf=docs/BrochureGlobal_Student.pdf|848|1000}
 
GLOBAL CITIZEN
Renewable worldwide major medical coverage for individuals and families.{pdf=docs/Global_Citizen_Brochure_Health_Plans.pdf|848|1000}
 
10 Reasons To Buy Global Citizen
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#### Good News About UnitedHealth Group
Fortune rates UnitedHealth Group as'World's Most Admired Company'  in Insurance and Managed Care     
 
For the third year in a row, UnitedHealth Group has ranked No. 1 among industry peers by Fortune magazine in its category of “most admired companies.” The company was also rated No.1 in innovation for the fourth year in a row. In addition, UnitedHealth Group ranked highest for quality of products and services, quality of management, and long-term investment and global competitiveness, among others. 
 
PLEASE CALL US FOR ANY QUOTE!  818-508-7177

#### Good News for HSA Policy Holders!
Group Plans Will Offer HSAs With Higher Deductibles
From: Real Health Care Reform
The Affordable Care Act (ACA) states that health insurance deductibles will be lowered to $2,000 per person, or $4,000 per family, in group plans. But a deductible that low would change the structure of an HSA plan you already have, making it less favorable as an investment tool and a security against health emergencies.
Employers Will Run from ACA Regulations
Actually, employers are likely to switch to HSA-qualified plans with even higher deductibles… That’s because there’s a loophole in the law.
The fact is the ACA cannot lower the deductible on Health Savings Accounts that far and still allow a plan to meet other conditions of the law. It’s true that the law states in one area that a group plan should have a maximum deductible of only $2,000 for an individual. But the law also says the following in another section:
“Section 1302(c)(2)(C) of the Affordable Care Act directs that the limit on deductibles described in section 1302(c)(2)(A) for a health plan offered in the small group market be applied so as to not affect the actuarial value of any health plan…we propose that a plan may exceed the annual deductible limit if it cannot reasonably reach a given level of coverage (metal tier) without doing so.” (The emphasis is mine.)
In other words, the law waffles, stating that the deductible can be raised above $2,000 if the actuarial value of the plan won’t meet the minimums for a bronze plan, for example.
The Simple Meaning of “Actuarial Value”
You’re going to hear the term “actuarial value” more in the news in coming months, so here’s what it really means. It means that the government figures the amount of money that a typical policyholder will receive in medical services in an average year—that’s the actuarial amount.
Then, the metal tiers in the ACA pay different percentages toward meeting that value; for example, the bronze tier pays for 60 percent  of the actuarial value—60 percent of the yearly amount that the average policyholder spends. And the policyholder pays the other 40 percent.
Group Plans Will Offer HSAs With Higher Deductibles
But the math simply doesn’t work to create the actuarial value if the deductible is set at the low $2,000 level on an individual bronze plan. So people will be allowed to purchase a policy with a higher deductible, such as an HSA plan.
This is good news, because HSA plans typically cost at least 30 percent less in premiums than traditional copay plans. And having been in the HSA business since they first became available in 2004, we know that people with Health Savings Accounts spend their money carefully, because it is their own money.  With an HSA you also have a tax-advantaged savings account to pay for services when you need them most—and to grow into an additional retirement account if you stay healthy.
What’s interesting to me is that our high-deductible HSA plans will meet the guidelines of the ACA better than the typical plans that the law proposes. The wisdom of saving money for yourself and building it tax-free is clearer and clearer, and real reform is still possible if more people do this.

#### Governor Brown Signs Legislation to Reform California's Health Insurance Market
SACRAMENTO (May 9, 2013)- Helping put an end to the practice of denying health care coverage to Californians with pre-existing conditions, Governor Edmund G. Brown Jr. yesterday signed legislation to protect consumers and reform California's private health insurance market as required by the federal Patient Protection and Affordable Care Act (ACA).

#### Great News About Kaiser!
Kaiser Tops California Insurers For Customer Satisfaction.
The Los Angeles Times (3/11, Terhune) reports, "For the sixth consecutive year, Kaiser Permanente ranked highest in customer satisfaction for health insurance among California policyholders, according to ratings firm J.D. Power and Associates." Anthem Blue Cross and Health Net "scored the lowest on customer satisfaction among seven California health plans." The national average for customer satisfaction was 701 out of 1,000. Health Net scored 661 points while Kaiser had 760 points. Furthermore, the survey "found considerable interest among consumers nationwide in new state-run insurance exchanges slated to open in October." 73% of those who currently buy their own policies said they were likely to use exchange next year when shopping for coverage. Families making up to $93,000 a year will qualify for subsidies through the exchange.

#### Great News From Medical Travel Insurance Company GeoBlue!
GeoBlue® announced the launch of the Spanish-language version of geobluetravelinsurance.com.  This site serves the tens of millions of U.S. citizens and residents who speak Spanish as their first language and who are shopping for the right international health plan and services for their short or long-term trip overseas.GeoBlue® customers now have Spanish-language access to product information, online purchasing and customer service.  Director of Individual Product Sales for GeoBlue®, Brendan Sharkey said, "We see a log of interest in our international health insurance products in markets such as Chicago, Los Angeles and Miami where Spanish speakers represent a large segment of the population.  With this new service, we are enabling a broader audience to better manage their healthcare overseas."GeoBlue® health plans provide an array of international medical assistance services that traditional domestic health insurance plans do not.
For more information about Medical Travel Insurance call our office!818-508-7177

#### Group Health Insurance
For groups large or small, health, life, and accident and illness coverage for your employees!
RightPlan is here to help small and large business owners make the right choice that fits their company and their employee's needs. Let us help you find a plan that will keep your employees happy, healthy and working. Our kind and caring staff will go out of their way to find the answers that you need to make an informed decision.  As a business owner, you can purchase business insurance for nearly every operation and risk your business faces.
Small versus Large Group
In California, small groups are employers from 2-50 employees.  A small group cannot be solely a husband and wife.
Large groups have 51+ employees.  Employees must be W-2, not 1099. 
Please note the employer must offer benefits to all employees.  51% of all employees must work in the state where the employer is purchasing insurance.
Quotes and more information are available online by clicking here. 
If you would like to speak with someone, please call our office at: 1-888-982-7587. Our friendly staff is waiting to help you!
Get a business insurance quote today - click here

#### Hangover Remedies
A few herbal hangover remedies, just in case you get a little carried away...

Ginger
Passionflower
Red pepper,
Horsemint and
Valerian

...may help to ease even the nastiest hangover symptoms.
Ginger is useful in allaying nausea, flatulence and diarrhea, thus making it effective in the relief of several hangover symptoms. The passion flower, also known as the maypop, is an antispasmodic (relieves spasms), sedative and anodyne (pain reliever). Commonly consumed in tea form, passion flower will allay hangover symptoms by relaxing the body and relieving pain. Valerian root not only acts as a sedative, but also as a mild pain reliever. Combined with stomach-pain herbs such as horsemint, red pepper and ginger, valerian works well in the treatment of hangovers. Horsemint relieves flatulence, diarrhea and calms upset stomachs. In addition, it acts as a comforting nerve tonic, restoring general wellbeing. A tincture or infusion of horsemint and red pepper is the most recommended herbal cure for a hangover. Red pepper reacts with the body to stimulate flow from the salivary, intestinal and gastric glands and is efficacious in treating the upset stomach associated with the over-consumption of alcohol.
~ Stay Sober ~
A+

#### Hangover Remedies
A few herbal hangover remedies, just in case you get a little carried away...

Ginger
Passionflower
Red pepper,
Horsemint and
Valerian

...may help to ease even the nastiest hangover symptoms.
Ginger is useful in allaying nausea, flatulence and diarrhea, thus making it effective in the relief of several hangover symptoms. The passion flower, also known as the maypop, is an antispasmodic (relieves spasms), sedative and anodyne (pain reliever). Commonly consumed in tea form, passion flower will allay hangover symptoms by relaxing the body and relieving pain. Valerian root not only acts as a sedative, but also as a mild pain reliever. Combined with stomach-pain herbs such as horsemint, red pepper and ginger, valerian works well in the treatment of hangovers. Horsemint relieves flatulence, diarrhea and calms upset stomachs. In addition, it acts as a comforting nerve tonic, restoring general wellbeing. A tincture or infusion of horsemint and red pepper is the most recommended herbal cure for a hangover. Red pepper reacts with the body to stimulate flow from the salivary, intestinal and gastric glands and is efficacious in treating the upset stomach associated with the over-consumption of alcohol.
~ Stay Sober ~
A+

#### Happy 65th birthday year!
Make sure you have the right plans in place for your needs now and later
If you or a loved one are approaching the big 6-5, it’s time to set up Medicare!  For a seven-month window (3 months before and 3 months after your 65th birthday month), you can enroll in Medicare.  
During that time, enroll in Parts A & B at www.ssa.gov, then call us for help on a Part D drug plan and Supplemental plan.  Head over to the Over 65 health insurance page for more information.
Now that you’re 65, here’s hoping you’re getting to travel more.  Did you know that Medicare won’t cover you outside of the USA?  Make sure you’re covered and take a look at our Over 65 travel insurance page.
 

#### Happy New Year From Your A+ Team
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#### Health and Wellness inspired by ‘Pokémon Go’
You could say I’ve worked on wellness my entire life: for myself, for my family, and for the world at large mainly for my clients and colleagues that I love. I went into the Healthcare Industry with the whole-hearted intention of helping others stay well and teaching life practices to facilitate this.
Working on wellness is truly a lifelong pursuit. I personally know how difficult it is to get people to change comfortable habits that they have perfected for many years. But while people don’t generally want to change, sometimes it is necessary. In some cases, the decision to choose wellness and throw out old habits can literally make the difference between life and death.
We now think of technology and devices as things that promote health and wellness in our lives. But it was still a surprise for me to encounter the new Pokémon app and to observe how it instantaneously changed people’s exercise habits worldwide. I was amazed to discover how the Pokémon app pushed people out of their comfort zones and forced them to develop new habits of walking and being outside, all while being fun and engaging. I was startled to see how many people play this new game called ~ Pokémon.
Around the time that the Pokémon app emerged, I found myself on a beautiful beach playing the game with my 21-year old son. It was right before he was going off to college.
My kids and I were together on a final, end-of-summer getaway in sparkling La Jolla, CA. With our busy schedule we only had three days of vacation together and were looking forward to wrapping up summer and going back to our new realities.  For me, of course, the end of summer meant that the 4th Open Enrollment for the ACA/Obama Care was right around the corner.
My kids had spent most of their summer immersed in nature at Camp, where my son worked as an advisor and my daughter as a camp counselor. They love that camp and consider it a second home, in spite of being completely cut off from technology while there. This actually caused them to really stay active, enjoy nature. They always look, taller, happier, and healthie when they return from camp. Sometimes, I barely recognize them.   
We decided on La Jolla for our three-day jaunt because the Insurance License Board Test was being offered there at that time. We could spend quality time together as a family and also get the licensing exam under their belts. Yes, my kids are both are getting certified ~


I had been planning for a quite some time to have them take the License Board Exam. I wanted them to learn about my world and understand the options that came with it. They agreed to my proposal and off we went to La Jolla on a pseudo-family vacation, complete with exam classes in the mornings and fun in the sun on the beaches in the afternoons and evenings. But I had no idea that I would find myself playing the Pokémon game.
My son had always been crazy about Pokémon. He grew up with all the Pokémon characters. Our garage is still full of all kinds of Pokémon stuffed animals, cards, and knickknacks. My son was a fan but I was not, and yet instantly, I found myself fully immersed in this Pokémon game with my son on the beach. My daughter thought we were crazy and couldn’t believe we were playing this together. She actually got kind of upset.
The number of other people that played Pokémon on the beach over the next three nights amazed me. I was delighted that my son wanted to walk both before and after dinner. Incredible! I was thrilled by the potential of this creative way of bringing people to wellness and allowing them to experience physical activity while playing a game.
I easily met my daily goal of 10,000 steps and my kids got endless exercise. I was overjoyed to learn that no matter how addicted we are to technology these days; we can still find inventive and exciting ways to connect technology and wellness.
How fabulous it is when people can relate to wellness in a playful way. It doesn’t have to be boring or painful. The idea is to create an environment that encourages a healthier society and promotes wellness in a fun and loving way. When people are able to step out of their comfort zones in a positive way, everyone wins. Our society will just naturally become healthier and more fit.
I would never have believed that I would one day find myself playing Pokémon with my 21, yes 21 year old son on a beach, having a terrific time chasing a host of Pokémon characters. But there we were together, two people among so many, having a great time exercising on the beach. Laughter rang out in the air. Everyone felt happy and healthy. Wellness and technology had found an ideal home together.
So don’t be surprised if you find me next chasing: Omanyte, Psyduck, Magikarp, machop, Tauros, Sandlash and many more.
Whatever it takes to meet our health goals and the balance between mind-body-spirit ~ Just make sure that you are on the wellness journey. There is no other way! The way to wellness start with lifting our own game, good luck!

#### Health Care Reform and Insurance Rate Increases
Why Are Rate Increases Happening Now?
From:  Real Health Care Reform
 
The past few years, we have seen low price increases on medical care, with costs growing less than 4 percent a year over the past three years.   Though various political groups may want to take credit, the main reason that medical inflation has slowed is the sluggish economy.  People are getting laid off, cutting costs, and putting off medical care.  As demand drops, so do prices.
So… why are health insurance rates increasing?
Health insurance rates have been increasing substantially, all across the country.  Ten- to 20-percent rate increases are not uncommon right now.  Some people are attributing this to “greedy” insurance companies, but the situation is actually not so murky.
As families look for ways to cut their costs in a slowing economy, one item that may end up on the chopping block is health insurance.  People who are in good health and not using their coverage much may decide to take a chance, but people with chronic health conditions are more likely to keep their coverage.
As healthy people drop their coverage and unhealthy people retain insurance, the average health of the pool (all those covered) goes down, and the people still insured use more services.  Thus, the rates increase.
What This Has to Do with The Potential Collapse of Obamacare
The next implementation of the Affordable Care Act in January of 2014 will eliminate most underwriting by insurance companies.  Anyone will be able to sign up for a plan, regardless of pre-existing conditions.  An increase in unhealthy people in the insured pool will put further upward pressure on premiums.
In an effort to counter this math, Obamacare is requiring all healthy people to purchase coverage.  It is also requiring the youngest (and generally healthiest) applicants to pay higher premiums in order to subsidize the premiums of older policyholders.  I will not be surprised to see premiums double or even triple for young men.
This system may work out (well, except for the young healthy people facing the biggest rate increases) – but only if everyone plays the game.  If enough people drop out and decide not to carry coverage, then rates further increase for everyone else.
 
Call Our Office For Any Questions:  818-508-7177
 
 

#### Health Care Reform and the Small Business Owner
Your Business Can Turn Red Into Black Before 2014
From:  Real Health Care Reform
With years of double-digit rate hikes pumping up the cost of providing employees with group health insurance coverage, a solution is long overdue. More and more small businesses are struggling to move employee health benefits out of the red. The other side of the equation is how to attract the talent needed to make your business out-perform competition, so dropping benefits completely also comes with long-term consequences.
One solution that I’ve seen small business owners use successfully again and again is to move out of the group plan market. Instead of group health insurance, your business can help employees obtain coverage through the individual health insurance market at a much lower cost. There is one caveat: pre-existing health conditions are not guaranteed to be covered in the individual market until 2014.
An HRA is a means to reimburse whatever employee medical expenses you choose to cover, including the cost for their individual health insurance. The flexibility of HRAs makes them suitable for various types of businesses. Flexibility is also advantageous for employees with divergent health care wants and needs. We’re seeing a great interest in alternative therapies as appreciation grows for the positive patient outcomes produced.
And, since employees are reimbursed, there’s little upfront funding required with an HRA. Of course, you can combine an HRA with Health Savings Accounts. These offer employees more incentive to save for retirement costs, while keeping funds available to cover routine out-of-pocket health care costs. You can find the details of how both options work here on our website.
The simplicity of an HRA keeps administrative costs down, too. A third party will review and approve employee requests for reimbursement to maintain impartiality, and tax-free reimbursements can go paperless with direct deposit or go through another payroll system. Overall, the HRA and the HSA are helping small businesses remain competitive. They incorporate tax advantages and flexibility that make both the employer and the employee happy.
 
 
 

#### Health Care Reform and Your Business
How Will Health Care Reform Affect My Business in 2013?
From:  Real Health Care Reform
 

2013 is here!  How will the mandates of health care reform affect your business, and what do you need to change about the way you provide health care benefits? Here are answers to some of the most commonly asked questions to help you decide.
1. What’s my deadline for complying with health care reform?
For businesses with 50 or more full-time employees, you have until 2014 to provide “adequate” and “affordable” health care coverage or face penalties. If your business employees less than 50 full-time workers, you are exempt from penalties, but you are still required to carry personal health insurance.
2. Will I be required to provide health care benefits to all employees?
You are required to provide affordable “minimum essential coverage” to workers if you have 50 or more employees working full time beginning in 2014. Failure to do so would mean paying a $2,000 “per person” penalty (although the first 30 workers are not included in that).
For part-time employees, you are not required to provide health care coverage, but remember there is a full-time equivalent of part-time workers.
3. How do I figure the full-time equivalent?
To get the FTE, determine the number of employees who work 40 or more hours weekly.  Then, add up wages paid to part-time employees, and divide the total by 2,080. The FTE is equal to the number of full-time employees and full-time equivalent part-time employees, and the total is rounded to the lowest whole.
4. Is my business eligible for small business tax credits, and when do those start?
Certain small businesses with up to 25 full-time-equivalent (FTE) workers that contribute to employees’ health insurance are eligible to get tax credits.  That began January 1, 2010. To learn more, you can visit the IRS website http://www.irs.gov/uac/Small-Business-Health-Care-Tax-Credit-for-Small-Employers.
5. Are health benefit costs reported on W-2 forms taxable?
Health benefit costs reported on the W-2 are not taxable.
6. Are my two companies each considered as separate employers?
Not necessarily. Check with your tax advisor if you are defined as a single employer under the “Common Control” clause found in the tax code [IRC Sections 414 (b), (c), (m), (o)]. If you’re considered as a single employer, all your full-time employees in both companies will be combined together. If the number totals 50 or more, you will have to provide affordable coverage with minimum essential benefits.

#### Health Care Reform News for Larger Companies
The law's 2014 effect on larger companies is likely to be more limited. Many of the big changes coming next year won't touch them as directly as individual consumers and small businesses, though some will have to grapple with the cost of covering more workers or paying a penalty.
Related Video
Manhattan Institute fellow Paul Howard on the rhetoric versus reality ObamaCare’s promise to bend the cost curve. 
..The possibility of higher premiums has become the latest focal point of the political tussle over the health law, which marks its third anniversary Saturday. Republican lawmakers have held hearings on the issue, and six GOP members of the House Energy and Commerce committee wrote last week to more than a dozen insurers asking them to turn over internal analyses on the law's impact on premiums and costs.
The insurance industry has also been talking publicly about big potential premium increases in lobbying for tweaks to the law.
The individual market includes about 15 million people, and around 18% of the roughly 149 million with employer coverage were at small companies, according to 2011 figures from the Kaiser Family Foundation. The individual market is expected to grow to around 35 million people by 2016 as a result of the law.
In a private presentation to brokers late last month, UnitedHealth Group Inc., UNH -1.18%the nation's largest carrier, said premiums for some consumers buying their own plans could go up as much as 116%, and small-business rates as much as 25% to 50%. The company said the estimates were driven in part by growing medical costs not directly tied to the law. It also cited the law's requirements that health status not affect rates and that plans include certain minimum benefits and limits to out-of-pocket charges, among other things.

#### Health Care Reform News for those Under 30.
Under 30?  Here's What You Need To Know On Health Care Reform
From: Real Health Care Reform
The health care reform law, according to the Congressional Budget Office (CBO), tends to increase health insurance premiums for people who are young and healthy. According to the CBO, health insurance premiums will rise ten to thirteen percent, unless you qualify for the subsidy, while you’re still shy of 30.  I predict that for most, it will unfortunately be much ore than that.
The CBO estimates about 57 percent of customers will receive federal tax credits that will cover almost two-thirds of their total premiums. This could reduce costs below what is being charged for such policies now, depending on your income level. The law has set up four levels of health benefits: bronze, silver, gold and platinum. Tax credits are intended to cap health insurance premiums at between two percent and 9.5 percent of your income, based on the cost of the silver option.
New Special Rules For Young Adults
If you’re under 30, you have an option that’s not available to older people under Obamacare. High-deductible plans that aren’t generally available will continue to be for young adults. That’s true, in part, because it’s anticipated that most of them will require less health care than older individuals who develop chronic, expensive health problems. And, since high deductibles equate to lower premiums, the writers of this law are hoping this will convince healthy young people to invest in coverage.
Even though the state health insurance exchanges, which will start operation in October, will be offering catastrophic health plans with minimal coverage for persons under 30, tax credits won’t be available to offset the price of premiums. Catastrophic coverage prices are typically on the low end, anyway.
Existing Rules That Remain In Force
Like all other plans, these policies will completely cover recommended preventive health care services even when the deductible has not been met if: (1) you go to an in-network doctor, and (2) the services are billed by the provider as preventive, instead of diagnostic.
Once someone reaches age 30, they will be required to purchase a more expensive, lower deductible plan.
 
 

#### Health Care Reform Updates
for Individuals and Families



 

#### Health Care Reform Updates
For Employers - Small Groups

#### Health Care Reform Updates
For Employers - Large Groups

#### Health Care Reforms Updates
Health Care Reforms Updates

#### Health Care Updates
Thousands Scramble To Prove They Are In US Legally To Continue Receiving Health Coverage.
In continuing coverage, the Wall Street Journal (8/14, Radnofsky, Subscription Publication) reports that ACA supporters are scrambling to make sure thousands of people provide documents to demonstrate that they are in the country legally and entitled to coverage under the law. The Journal notes that the Obama Administration announced Tuesday that it would end coverage for some 300,000 people who enrolled on HealthCare.gov if they do not provide information in the next few weeks showing they are US citizens or legal residents.


Two California Insurers Team Up To Create Health-Information Exchange.
The Wall Street Journal (8/5, Beck, Mathews, Subscription Publication) reports that two major California insurers, Blue Shield of California and WellPoint’s Anthem Blue Cross, are partnering to create one of the nation’s largest health-information exchanges. The Journal notes that about nine million plan members’ medical records will be available to participating physicians and hospitals.The Los Angeles Times (8/5, Logan, Pfeifer) reports that “supporters say the effort by Anthem Blue Cross and Blue Shield of California could mean faster, cheaper and better healthcare,” although “the system faces significant technological challenges and privacy concerns.”
Covered California Health Plans Under Pressure To Add Physicians.
The Sacramento (CA) Business Journal (8/5, Robertson, Subscription Publication) reports that the Covered California plans are under pressure “to increase the size of provider networks,” with a particular focus on Anthem Blue Cross and Blue Shields of California, which was said to only have a “narrow network” of physicians. Although Anthem Blue Cross has added nearly 7,000 new physicians since January, the state legislature is putting forth a legislation to try and increase that number. One such bill is SB 964, which “would require the Department of Managed Health Care to review Medi-Cal managed care plans and plans sold through Covered California annually for compliance with state standards for timely access, network adequacy and other measures.” Modern Healthcare (8/5, Subscription Publication) also reports on this story.
In an op-ed for LifeHealthPro Craig Gottwalls, a healthcare attorney and benefit broker for BB&T Insurance Services, examines the longevity of the recently announced rate renewal of 4.2% in plans sold through Covered California. He writes that although it “is certainly at least partially a result of PPACA...this will not be the new normal in health insurance renewals.” Gottwalls says this is due to the fact that the “built-in bailouts” on the exchange plans, or the “three R’s programs” is set to expire in 2016. The “Three R’s” refers to “risk adjustment, reinsurance and risk corridors.”

#### Health Insurance
Finding the right health insurance plan can be confusing. Whether you’re in between jobs, a freelancer, or aging off your parent’s plan, let RightPlan guide you in making the right decision.Think you may qualify for discounted health insurance because of your income?  Head over to the Covered CA page to see if you qualify. If you don’t qualify, the buttons below can show you full priced plans.
 
Individual and Family Plans
   
 

Free quotes are available online by clicking here or call us at 1-888-982-7587.
 
 

#### Health Savings Account
For certain compatible health insurance plans, you can open a Health Savings Account (HSA) to help pay for your out-of-pocket medical expenses.   
If you have an HSA compatible plan and you’re interested in opening an account, visit your bank or use the links below to sign up with our preferred provider, HSA Bank.

Individual Signup
 Employer Signup
For the tech savvy crowd, Lively is an awesome way to turn your HSA account into an easy to use app and investment tool.  It’s simpler than dealing with a bank directly and sign up is super simple.  Check it out below!

Signup
 
Maximum contributions for Health Savings Accounts
The guidelines for maximum contributions change every year.  The most recent updates are below.
2021 IRS guidelines for HSA plans
The Treasury Department and Internal Revenue Service (IRS) issue annual guidelines on the maximum contribution levels for HSAs and the out-of-pocket maximum amounts.
The 2021 limits are:
HSA contribution limits

2021 Individual contribution limit: $3,600


2021 Family contribution limit: $7,200
Catch-up contribution (age 55+): $1,000

HSA Out-of-Pocket (OOP) Amounts

2020 Individual OOP maximum: $6,900


2020 Family OOP maximum: $13,800

 

#### Healthcare 2018: Breathe and Meditate
Unless you have been actively involved in the mad, mad world of healthcare in the United States over the past 3 decades, you can’t possibly get your mind around what’s going on in this country. It’s likely that you’re not even sure which questions need to be asked.
People are daunted by the very idea of U.S. healthcare these days. As an insurance professional and someone that has been delivering the healthcare system for almost 30 years, clients, friends and family are constantly asking me to explain this “new” healthcare system, to try to translate the confusion that surrounds what appears to be a very sleek, well-oiled machine. They want to know what role I play in this drama and how I can guide them through the chaos.
And it is indeed chaos. You can read up on the latest news to try to comprehend how the recent changes to our healthcare system will affect every day Americans, but there’s nothing like having a heart-to-heart conversation with my clients: individuals under 65, Medicare recipients over 65, employers and employees, to understand that the trouble we are in is deep. I’m playing my part by helping people choose the “right” plan for themselves but the bottom line is the cost of healthcare is soaring to new heights beyond anyone’s comprehension. Everyone is affected, even if you’re lucky enough to have an employer who contributes to your healthcare or receiving a substantial subsidy through the exchange.
The 2018 Affordable Care Act (ACA) is offering taxpayer-subsidized private insurance to low and middle income people who don’t have coverage on the job at a lower cost than ever before. This is the good news. Those consumers are finding plans for under $25/month. About 14 million people are enrolled already. The Obama health law has managed to survive in spite of rising premiums, dwindling insurer participation, and President Donald Trump’s predictions of its swift and sure demise. You truly want to get coverage this year as per the new Tax Bill that just passed last night (unless corrected) will cause a sharp hike for the upcoming 2019 year.
The truth is that 2018 offers a wider availability of no-premium plans. This is an unintended consequence of the Trump Administration’s actions to undermine the ACA. The President’s measures resulted in higher premiums for Silver ACA plans. The federal government stopped reimbursing insurers for reduced copays and deductibles available to people of modest incomes. The low cost of the Silver plan was important for market stabilization because of the cost sharing that covered individuals received on top of the subsidy. Government subsidies have also shot up as they’re linked to the cost of Silver plans.
When you really get down to it, the truth is there’s no free ride. We need to pay for everything in life. And in my opinion, that’s okay. I came to understand that fact very young in life. I believe that we “pay back” constantly, whether it’s helping the people around us, or paying our taxes.
I love paying my taxes. Yes, I love it! It means that I am alive and thriving, sharing and moving the energy around. Nonetheless, the rate hikes this year in the healthcare market are out of control. Even I concede that there must be a better way to finance the system besides basically stealing from the pockets of ordinary, hardworking citizens. Please keep in mind that HealthCare is expensive and for some reason cost higher in the Unite State that anywhere in the world.
Across the board, healthcare cost is increasing with incredible speed. Unless your employer makes contributions towards your healthcare (and believe me, the cost to those employers is soaring as well), or you receive a subsidy through the state or federal exchange, the average 40-year old with an average of 5 people in their family, will pay an average of $2500 monthly with a $14,000 yearly out of pocket in 2018. That is $40,000 per year. How is that possible?
How many average families in the workforce have a spare $40,000/year to pay for healthcare? Who can afford that? I would venture a guess that most cannot. Where does this leave a vast number of Americans who cannot afford to pay for healthcare? Quite simply, uncovered and at risk. It’s just insane. It’s unworkable and undoable. The system as it currently exists does not work.
Something needs to happen and soon. Those of us who are involved in the healthcare industry are watching and waiting, but we honestly don’t know what to expect. As a result, now is the ideal moment to start thinking of this time as a sort of journey: a journey of learning how to treat and heal ourselves and how to adopt healthy attitudes.
At the end of the day, we need to look to each other and start working together as a community. Community is created when we come together and believe that we can heal together. When people come together - mind, body, and spirit - the result is a healthier, happier population. Guided by such wisdom, we as a country will surely find a way to implement a healthcare solution that will be both affordable, intelligent and of impeccable quality.
I am convinced we will find an answer. There are so many aspects of healthcare that are in our own hands. Only we know how we truly feel. This is a reminder that we must stay involved in our own healthcare and educate ourselves every day. Learn what is needed to allow real healing in every aspect of our lives. Remind ourselves what we already forgot, which is as simple as taking an additional breath daily. Further, if we remember to eat well, sleep well, walk 10,000 steps a day, think positive, engage socially, exercise, meditate and practice yoga daily, we will be able to reduce our healthcare cost!
In the spirit of the upcoming holidays, I would like to take a moment and share my love with you. In my life, love heals me and so many of the people around me. Happy Holidays and many blessings for a beautiful New Year! The divine in me bows to the divine in each of you.
Namaste ~
Naama O. PozniakCEO : Paz Holding, Inc. dba / RightPlan Servicenaama@rightplan.com
 

#### Healthcare Costs During Retirement
Study: Americans Underestimate Healthcare Costs During Retirement.
 
The New York Daily News  (3/8, Knowles) reports that new study published in the American Journal of Law & Medicine concluded that a "startling number of Americans who have either recently retired or are about to do so are badly miscalculating how much money they will need to save to cover health care costs." The study noted that "even though 60% of current medical costs for retirees are covered by Medicare, the 40% that individuals must pay out of pocket is far above the estimates that most people are anticipating, especially over time." Allison Hoffman, an assistant professor at the UCLA School of Law and the co-author of the study, said that it is "very concerning" that young people "especially don't seem to be anticipating what they'll spend in the future." Make sure to have the appropriate coverage.
 
Call us for to find out how can you secure your retirement : 
818-508-7177
 

#### Healthcare Providers
Finding a physician or a hospital has just gotten easier!
Let our online system assist you in finding the provider who is not only covered by your insurance plan, but who fits your personality as well.
 
Click here to begin

#### Healthcare Reform
by Patrick Daniels
Opinions Vary on Solving The U.S. Healthcare Crisis
Compared to other countries, healthcare in the United States is considered to be top notch but with all its accolades, not everyone in this country has access to medical care. Recently the U.S. government passed the Healthcare Reform Bill to allow all citizens the right to receive health care equally.
Compared to other countries, healthcare in the United States is considered to be top notch but with all its accolades, not everyone in this country has access to medical care. Recently the U.S. government passed the Healthcare Reform Bill to allow all citizens the right to receive health care equally. However, not everyone is eager to embrace this new bill because they don't want to be financially responsible for those who can't afford it [...].

#### Healthy Travel Tips and Guides
Jet Lag...New Approaches To An Old Problem!
Those Legs Were Made for Walking!
Protecting Yourself Before You Return Home
Ten Healthy Travel Tips for Students
Keeping Cool...Managing Business Trip Stress
A Flight with Sore Eyes
Travel Health Insurance Basics - Part 1
Travel Health Insurance Basics - Part 2

#### Helping People Reduce Healthcare Costs
In a recent interview by Naama with Go Solo, she talked about her agency's involvement and her unique clients. She also shared top tips for anyone looking to start, run, and grow a business. 


Click here for the full interview:  https://gosolo.subkit.com/paz-holding/


 



 

#### Here is Someone That Really Understands the Outcome and it's Effects!
Wyden Warns Families Will Be Hurt By "Glitch" In ACA.
The Hill (3/28, Cox) "Floor Action" blog reports that Senator Ron Wyden (D-OR) warned Tuesday "that millions of workers' dependents would still be left without options for affordable family health insurance under the Affordable Care Act." He said, "Without action, millions of hard working Americans are going to be squeezed by the family glitch. Many people will be left with a false choice of taking family coverage through work they can't afford or struggling to find a better plan in the exchange without a subsidy." He explained that the "family glitch" exists "because workers will be ineligible for federal tax credits to help them buy into the health insurance exchanges starting in 2014, unless the cost of their individual employer-based health coverage premium exceeds 9.5 percent of a worker's household income."

#### Higher Deductible HSA Plans Will Be Available
From: Real Health Care ReformThere has been concern and confusion over whether HSA plans will still be available in 2014, and at what deductible level.
The answer is Yes, HSA plans will remain available.  Deductibles on individual plans should be similar to what they are now, though in some states maximum deductibles may be as low as $4500 or so for an individual (compared to $6250 now).
Deductibles on Group Plans
For group plans, the legislation sets the maximum deductibles at $2000 for individuals, and $4000 for families.  For this reason alone, many small groups may instead let their employees get coverage in the individual market.
However, this is in conflict with another part of the law, which states that people can choose a Bronze, Silver, Gold, or Platinum plan.  The bronze plans have a 60 percent actuarial value, meaning they will pay 60 percent of a typical policyholders medical bills during an average year.  This actuarial value cannot be reached with a deductible as low as $2000.
“(3) A health plan’s annual deductible may exceed the annual deductible limit if that plan may not reasonably reach the actuarial value of a given level of coverage as defined in § 156.140 of this subpart without exceeding the annual deductible limit.”
So this is good news for all – high deductible HSA plans look like they’re here to stay.

#### IHC Short Term
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#### Immigration Reform Proposal Does Not Include Healthcare.
CQ (1/29, Bunis, Subscription Publication) reports, "The estimated 11 million illegal immigrants living in the United States probably would still not qualify for federal health care benefits under an immigration policy overhaul proposed by a group of senators Monday." After outlining the bipartisan proposal, the article notes that "one of the bullet points in the proposal says: 'Current restrictions preventing non-immigrants from accessing federal public benefits will also apply to lawful probationary immigrants.'" This means "that anyone under the probationary status would not be eligible for Medicare, Medicaid or the Children's Health Insurance Program."

#### Important News on Your Health Insurance Premiums!
Will Your Health Insurance Premiums Be Higher in 2014?
From:  Real Health Care Reform
Today, you have access to plans catastrophic plans with high deductibles, but many such plans will disappear in 2014. Fortunately, catastrophic plans with more limited benefits will still be available for people under age 30. According to a senior fellow at the Urban Institute, Linda Blumberg, adding more benefits is tantamount to premium hikes. Premiums will also increase on younger people, because they will be subsidizing older insureds.  Young men will also be subsidizing the premiums for women, so they can expect the largest rate increases.
The health care reform law also mandated a lot of added health care benefits that are responsible for some of the increases in health insurance premiums. The removal of underwriting starting in 2014 will also result in much higher claims, and are expected to further drive costs up.
And, that’s not all that’s changing in 2014.  Preventive care services are already covered with no out-of-pocket costs, but people are treated quite differently once they get sick. If they have to buy their own policy on the individual market, applicants with pre-existing conditions may find their application is denied.  That’ll change as of 2014 and they’ll have guaranteed acceptance then. But, insurance companies will increase premiums inorder to cover added claims.
For those who find it impossible to pay for health insurance, the Affordable Care Act provides federal subsidies. Tax credits will be provided to individuals with incomes below 400 percent of the federal poverty level if they get health care coverage via a state exchange. According to the Department of Health and Human Services, compared to the cost of health insurance under the current rules, the tax credits could help a family of four with an income of $33,525 save $14,900.
How to Save on Health Insurance Right Now
Of course, with 2013 just rolling into view, you have opportunities to save on your health insurance right now.  We offer our Annual Comprehensive Policy Review to see if a plan is available that has either a lower premium or more comprehensive coverage than your current plan.  This is a free service and it comes with no obligation. December is one of the best times to compare health insurance.  That’s because companies hand out rate hikes for Jan. 1.  If you find a plan with 2012 rates this month, you can probably avoid switching to higher premiums for a whole year.
If you qualify, we can also help you establish a Health Reimbursement Arrangement.  This can enable married self-employed people to legally run all their medical and insurance expenses through the business, saving potentially thousands in taxes every year.
 

#### In Loving Memory of Elayne
Elayne Serrano 
10/28/1964 - 08/18/2022
was an important part of our lives and our clients' lives. She is truly missed.
Here is a tribute video for Elayne.

  
 

#### In The Trenches with Naama Pozniak
URL: https://rightplan.com/in-the-trenches-with-naama-pozniak/

#### Individual and Family Products
RightPlan Services offers a wide range of services to fit not only your needs, but your budget as well!  With a rapidly changing industry such as healthcare, it’s important to have someone in your corner who cares about your well-being and knows the trends and policies.
Medical, Dental, and Vision
Whether you’re an individual or family, we can help you sort out your direct Health Insurance, Dental and Vision insurance, or see if you qualify for a discount on our state exchange called Covered CA. Let’s get you into the best, cheapest policy for your needs!  Outside of Open Enrollment, if you don’t have a special life event you may not be able to make changes to your health insurance.  Click here to see if you are eligible to purchase insurance. If you are not, there are always Short Term Medical policies to protect you until the next open enrollment.  
Ancillary
Rates have gone up in recent years, causing many people to pick plans with a higher deductible.  To help offset the costs of an emergency, we can also help you find a good ancillary product to offset that sky high deductible.  These products will help you pay for critical illnesses, hospitalizations, and more.  Click here to find out if these policies could be right for you. 
Confused?
Don’t hesitate to call our office at (818) 508-7177.  We’re here to help you with any questions you may have. 
Money Saving Tips
Other money saving tips and tricks include Telemedicine, GoodRx.com, and more.  It’s our job to keep you informed, protected, and balanced.  Please browse our site for fun articles to help you approach all of healthcare with a more holistic view.
 

#### Individual Health
Health insurance is complicated but very necessary. Let RightPlan Service help you choose the best health insurance plan for your needs and budget
The things to look for when choosing a health plan include:
HMO or PPO or EPO – The types of plans differ in price and flexibility. Generally, less expensive, an HMO (or health maintenance organization) requires that you use a primary care physician (PCP) to coordinate your care and refer you to specialist or order tests from providers within the HMO’s network. There is no out-of-network coverage, except in the case of an emergency. The pricier option, a PPO (or preferred provider organization), features a network of “preferred” providers in the state. You do not need referrals to see a specialist. Your portion of the bill will be considerably less if you see a doctor in the preferred network, but a PPO generally covers a portion of the cost for seeing an out-of-network provider. Priced in between, an EPO (or exclusive provider network) offers more flexibility than an HMO in that you do not need a referral to see specialist in the plan’s network. However, there is no out-of-network coverage, except in the case of an emergency.
A plan’s network and whether your doctor or preferred hospital participates – A doctor’s office may tell you that they contract with Blue Shield, but that does not mean your Blue Shield plan includes them. Insurance companies have networks of doctors, hospitals and other providers with which they contract and establish rates. Statewide, however, the cost for medical care differs dramatically between doctors and hospitals besides HMO versus PPO. So, health plans develop smaller or medium-sized networks that have lower premiums than their full ones. The smaller network may only include less expensive doctors, hospitals or labs. However, if large parts of the state, a smaller network may include the local hospital or doctor group you prefer, but not include big name, more-pricey facilities like Cedars-Sinai Medical Center or Stanford Hospital that are further away. It is important to see which providers are in the plan you are considering to make sure it meets your needs.
A lower premium or lower copay? – Do not choose a plan based on price; consider your needs. Do you rarely visit a doctor or see someone regularly? What about your prescription needs? Since the ACA, health plans are offers in four metal categories: Platinum, Gold, Silver and Bronze. These are based on the “actuarial value” or percentage of costs the plan covers versus the insured. A Platinum plan costs the most each month, but has no deductibles and the lowest copayments. The insurance company pays 90 of medical expenses on Platinum plan. Conversely, a Bronze plan will cost considerably less per month in premium,  but have higher deductibles and out-of-pocket costs. Bronze plans cover an estimated 60 percent of an insured medical expenses.
Where to purchase coverage? There are 3 different ways to purchase policies for individuals and families in California, based on annual household income. Our team at RightPlan can help you :

A plan purchased direct from the company (aka off-exchange or direct)
A plan purchased through our state exchange, Covered CA, possibly with a subsidy  (aka on-exchange)
Medi-Cal (CA’s Medicaid program that offers free or low-cost health coverage for those with limited income)

 
Individual insurance policies nowadays are based on calendar year. The annual enrollment period (November to January) permits anyone make changes. Throughout the rest of the year, you can make changes within 60 days of a Qualifying Life Event (or QLE).  Unsure of what a QLE is?  Check the image below!

If you missed Open Enrollment, check out our Short Term options.
If you’re eligible and ready to enroll, please click here for a quote OR call us for assistance!

#### Industry Reflections, The Key for Modern Essential HealthCare
As a regular contributor to BenefitsPro Magazine, I was asked to reflect on the state of the industry after the most unusual year of 2020 for an article titled: Diary of a Bad Year. We all have experienced a lot of sadness, loss and dark moments, to be sure, but the industry as a whole proved to be more responsive and resilient than we might have imagined. For those without a subscription, please see the full article below.
 

Industry Reflections, The Key for Modern Essential HealthCare
October 2020 – Benefits Pro: Naama O. Pozniak
 
We all are experiencing a year like no other, you don’t need me to tell you that. Navigating the health insurance industry has never been boring, we have always faced one change after another, but this year has proven that our knowledge as healthcare professionals has never been more essential.
In California, we have seen an Open Enrollment season that never has truly ended, with the pandemic, job losses, wildfire disasters and protests. All of these changes have created a constant flow of new concern clients seeking help. Even the legendary health insurance for SAG will have to let go of all subscribers at the beginning of 2021!  I can feel and sense the energy of loss all over. I can hear the heartbeat of every client and I can sense the fear that is currently influencing so many decisions. We have found ourselves navigating new and challenging situations that constantly change in real time, including Covid and diagnostic testing that should be covered, sometime get denied, and fought by my team on behalf of our clients.
We have been serving the majority of our clients remotely, thanks to my incredible, dedicated team who were able to smoothly transition to working from home. It became clear early on in the pandemic that we needed to be super-efficient, consistent, and creative at a time when our clients were suffering loss all around.  We try to bring conscious culture, technology, and solutions to our employers' benefits options, serving them frequently either remotely or, as restrictions slowly lift, in a hybrid working model. There is a huge need for a compassionate, empowering way to heal, and we feel the need strive and provide clients with a stronger healthcare plans that can remind us how can we go back to being whole, to being healed.
Additionally, I must share that even though the amount of travel has decreased dramatically, travel insurance has never been in more demand. Cancellation, trip extension, and most importantly Covid coverage while abroad, or family uniting, is an absolute must. We are seeing quite an increase in inquiries from agents and clients for complex inbound and outbound policies, as a result of the U.S. being restricted from foreign travel policies. I do believe that savvy travelers will continue to incorporate such policies well into the future.
I have found the key to succeeding in the face of change, anxiety and uncertainty many years ago, and believe that it is actually essential to us all in the ‘New Now’ – a regular meditation practice. I have continued leading virtual meditation and stress reduction sessions to as many stakeholders as possible, to encourage the adoption of mindfulness practices by employers and leaders from all professions and industries. Opening the virtual door and allowing teaching, sharing and maintaining our connections, even remotely, has been a lifesaver in this insane year.
Mindfulness – the act of being present and aware – has been challenged in ways that we never dreamt before.  The CE's that I wrote for the healthcare industry few years ago on how meditation can improve overall health and even reduce healthcare costs were received in a profound energy of change. My biggest learnings have been from technology leaders who have shared their progress and vision for the future, and the vital race to use data and AI to bring our healthcare system to a new level of delivery.
I am personally very positive about the current conversation. It is clear that a shift in mindset is happening, and my wish is for the collective advancement of medicine to rise. We can unlock the power of transformation in the very near future of health.
 
#Namaste
                          

#### Insurance Policies for all Seasons of Life
For groups and individuals, health, dental and vision insurance, Medicare Supplemental or Medicare Advantage, Travel polices including trip protection and international medical insurance, and holistic wellness education

At RightPlan, we strive to provide businesses and individuals with plans and objective information that best fits their needs. Our professional and kind staff is well-informed on California’s rapidly changing insurance industry with the most up-to-date information about the ACA / Obamacare and compliance for group plans. We take pride in bringing quality customer service, reliability, value, and commitment to service. We are here because we truly care, and our team always goes the extra mile to answer all your big questions. My goal is to take care of our clients holistically, whether they are needing medical care or planning for a big trip. We care about your wellness and well-being, and we’ll be here for you with all your changing needs.
Insuring: Health, Life, Medicare, Travel, Dental & Vision, Disability and Long Term Care.
Affiliates: Anthem Blue Cross, Blue Shield, Cigna, Health Net, Assurant Health, Kaiser, AARP, Humana
Languages: English, Spanish, Russian, Armenian, Hebrew.
 
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Helpful tips from Naama
 
Are you in a PPO or EPO?
If you are seeing a doctor for the first time, make sure to fax your ID card prior for your appointment for complete verification. 
Are you having trouble finding a new doctor?  Doctor’s offices and insurance companies have been through a lot of changes post Obamacare, and it’s caused a lot of confusion. Make sure you’re faxing a copy of your ID card prior to your first appointment to a new doctor. And remember… they’re required to tell you at the time of your appointment whether they are in or out-of-network.
Stay clear, stay calm, take care. ~ Naama”
 

Call 1-888-98A-PLUS today!
(toll free)

#### IRS Announces 2018 HSA Contribution and Coverage Limits
The Internal Revenue Service has announced the annual contribution limits and High Deductible Health Plan (HDHP) definitions for 2018. The Individual Contribution Limit has been increased to $3,450 and the Family Contribution Limit has been increased to $6,900 for 2018.  The maximum Out-of-Pocket Limits and Minimum Deductible Limits have been increased as well. The age 55 and older catch-up remains at $1,000.
Annual HSA Contribution Amounts




2017


2018


Coverage Levels




$3,400


$3,450


Individual




$6,750


$6,900


Family




$1,000


$1,000


55 and over Catch-up






 
Annual Maximum Out-of-Pocket limits for HDHP2017




2017


2018


Coverage Levels




$6,550


$6,650


Individual




$13,100


$13,300


Family




 
Annual Minimum Deductible Amount Limits for HDHP




2017


2018


Coverage Levels




$1,300


$1,350


Individual




$2,600


$2,700


Family




These limits and definitions are effective as of January 1, 2018. For more information, call us or see IRS Revenue Procedure 2017-37.
Original text: HSA Authority

#### Life Insurance
Dust Off Your Life Insurance Policy!
When was the last time you reviewed your life insurance coverage?
You could be missing out on policy benefits, opportunities and product improvements that may enhance your wealth and security.
Take advantage of these benefits now by contacting us for a policy review with one of our insurance experts.
 
Click here and get a Life Insurance Quote Now!   
 
Life insurance is a form of insurance that pays monetary proceeds upon the death of the insured covered in the policy. Essentially, a life insurance policy is a contract between the named insured and the insurance company wherein the insurance company agrees to pay an agreed upon sum of money to the insured's named beneficiary , so long as the insured's premiums are paid current. 
Purpose
People take out life insurance policies for a number of reasons. Such insurance provides security to family members upon the loss of a loved one. For instance, if the primary wage earner dies in his or her prime, the death benefit received from the policy will assist the surviving family members in overcoming the burden of the tragic loss. The proceeds can also help pay for funeral costs when the death is unexpected.
Life insurance can be purchased by individuals, but is also offered as a perk by many employers. Often times, large employers and government employers offer group life insurance at no cost to the employee. Should the employee wish to obtain additional coverage from the employer's insurance company, they can usually do so at reduced rates. In most circumstances, the insurance becomes once the employee no longer works for the company. 
Cost
The cost of life insurance varies depending on such factors as the insured's age, health, and occupation. Essentially, the more likely a person is to die at an earlier than average age, the higher that person's premium charges will be. For example, the premium for a 25-year-old, male, non-smoker in excellent health will be far less expensive than a similar policy for a 65-year-old male smoker. Similarly, a sky dive instructor would have to pay much higher premiums than would a librarian. 
Options
Life insurance is available in a number of different forms from several companies. Each company has financial representatives who help customers select the best insurance products for their needs. Some of the typical forms of life insurance policies include: whole life, variable life, and term life. 
Whole life: With whole life insurance, a portion of each premium pays for the insurance and the remainder serves as a tax-free investment. A whole life policy sets a premium at the beginning of the policy and that premium does not change over the life of the policy. This form of insurance allows for a cash build-up during the insured's life. This cash build-up can be used during the course of the policy or it will simply serve to increase the death benefit in the end.
Variable life: Variable life products begin with low premiums during the initial stages of the policy and these premiums increase steadily as the insured grows older. There should be a cash build-up as long as the various mutual funds selected by the insured perform well.
Term life: Term life policies have premiums that remain the same over the life of the policy, which typically ends when the insured reaches a specific age. There is no cash build-up in a term policy and, accordingly, the death benefit will not increase. 
 
(From: WiseGeek)

#### Life Insurance
Dust Off Your Life Insurance Policy!
When was the last time you reviewed your life insurance coverage?
You could be missing out on policy benefits, opportunities and product improvements that may enhance your wealth and security.
Life exists between the hours of the workweek. Most importantly, it exists in the eyes of sons and daughters and those you hold close – those forever expecting your safe return home.We offer affordable life and long-term insurance that fits both your needs and your budget.A+ Plus Insurance Service will work with you to help you understand and select the right life insurance, long-term insurance that is best for you. We know that everyone has different needs. Our wonderful staff is here for any questions that you may have. A+ Plus Insurance Service is here to help you make the best choice for you and your family.
Take advantage of these benefits now by contacting us for a policy review with one of our insurance experts.
For Assistance with Life Insurance Please Call Us At:818-508-7177

#### Life Insurance - It's Not The Reason You Think
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#### Medicare Open Enrollment for 2022 - What You Need to Know
Yes, the holidays are over, and Open Enrollment is here!
 
October 15th marks the beginning of Medicare Open Enrollment season. This is an essential period to review and assess your coverage, plans, and healthcare needs.
 
Open enrollment is the ONLY time you can make changes to your Medicare Advantage Plan and Part D Plan. This year's Open Enrollment runs October 15th – December 7th for a January 1st, 2022 effective date.
 
During this time, Medicare recipients can change their Part D medication plan, change their current Medicare Advantage plan, switch from original Medicare to Medicare Advantage, or elect to revert to original Medicare.
 
It is vital to remember, Medicare Parts A&B helps pay for hospital care outpatients and doctor visits, but it doesn’t cover everything. Medicare Parts A&B does not pay for prescription drugs, routine dental, acupuncture, long-term care, travel, etc. Depending on your current and projected needs, different Medicare options, such as Medicare Advantage Part C, Part D (prescription drug coverage), or a Medicare supplement, may work better for you and provide more coverage.
 
Considerations when choosing a Part D plan or reviewing your Medicare Advantage plan drug
coverage:

Your monthly premium varies depending on the plan you choose
Be aware of your brand-name prescriptions to ensure your needed medication will be covered

     and at what tier for 2022.

What the deductible is and whether it applies to brand name prescriptions or generic
Copayments and coinsurance costs: these keep changing yearly!
If you take insulin, which plans special offer savings
Which pharmacies contract with that plan (there can be a significant cost difference)
Whether you will reach the coverage gap during the year and what that means cost-wise
Finally, the plan's Star Ratings, which shows their track record for handling claims and providing good customer service.

 
Original Medicare does not cover you if you travel outside the US. If you're planning any overseas travel, affordable and comprehensive travel insurance, evacuation, and COVID coverage are available.
 
After the intense past two years of the COVID crisis, we have all learned a bit more about the
importance of maintaining our health. Eating well, getting proper sleep, nutrition including plenty of green vegetables, and drinking enough water are the simplest things we can do to keep our body and mind strong. Reviewing your medications yearly with your provider is an important step. Coordinating care and learning about accessing the best possible providers is crucial. On many occasions accessing alternative medicine in combination with our Western medicine will be life-saving.
 
We also know how important our mental health is. We encourage you to take advantage of the excellent Medicare offering for so many kinds of therapies. Physical and Mental prevention treatment has never been more critical than now. Meditating, spending time in nature, walking, and gathering together safely with loved ones will be essential for our mental health breaks. 
 
So many medical conditions are the result of being stressed and overwhelmed. We don’t need to wait to get diagnosed to take care of ourselves. We are all on this healthy ride together, no matter how old or young we are. Please get in touch with our team for advice and allow your resources on these topics - we would love to hear from you and help in any way possible.
 
Much ❤
Naama & The RightPlan team.

#### Medicare Parts A, B, C and D
 
Here is information about the various parts of Medicare:
Medicare Part A covers all treatments in hospitals. It has an annual deductible. The annual deductible changes yearly. There is no cost for Part A coverage for people who worked at least 10 years and paid FICA taxes during that period. If not, you may be able to purchase Part A.
Medicare Part B pays for physicians, outpatient hospital care, some home health services and durable medical equipment like walkers. There is a monthly cost or “premium” for Medicare Part B. Most people pay the standard Part B premium, but those with a higher adjusted gross income may pay more. Additionally, Part B has a deductible and generally only covers 80% of costs.
Medicare Part D plans (also called Medicare Prescription Drug Plans) help cover costs for prescription medications (Rx). They have monthly premiums and most have deductibles. The plans vary greatly in formularies so people need to consider what prescriptions they take in choosing one.
What about Medicare Part C? Part C offers an alternative, combining Part A + Part B + Part D in one plan. Medicare Part C refers to “Medicare Advantage” plans. Medicare Advantage plans usually combine coverage for in-hospital care, doctor and specialist visits, and prescriptions into one plan. Most of these plans are HMOs, with a primary care doctor coordinating your medical care, but there are PPO plans available in some areas. They are more affordable than other options, but you must receive care from the doctors and hospitals.
What about F, G, N and other Medicare Supplemental Plans?


Medicare Supplement Plans (also known as Medigap plans) help fill the coverage gaps and reduce your out-of-pocket expenses. Remember, Medicare Parts A and B only cover part of your medical expenses. Your costs for deductibles, coinsurance, and copays can add up quickly. Unlike plans designed since the Affordable Care Act, Medicare plans have no maximum amount you may be billed on claims. So, you need to protect yourself from considerable health care costs if you have a major illness or require surgery. You may be healthy at 65, but you can be turned down for coverage if you do not purchase a supplement plan when you are first eligible. 




 




NOTE: Re Medicare Plan F – As of January 1, 2020, people who are newly eligible for Medicare cannot purchase plans that cover the Part B deductible. This includes the popular F plans. People who have an F plan or were eligible for one before 2020 can still buy F plans. However, if you are eligible from 2020 on, you can buy a G plan, which is the closest to F in coverage.
 
 

Not connected with or endorsed by the U.S. government or the federal Medicare program.  We do not offer every plan available in your area. Currently we represent nine organizations which offer [insert number of plans] products in your area. Please contact Medicare.gov, 1–800–MEDICARE, or your local State Health Insurance Program to get information on all of your options. The purpose of this communication is the solicitation of insurance. Contact may be made by an insurance agent/producer.

#### Medicare Premiums on the Rise.
Medicare Premiums To Rise By $5 A Month In 2013.
 
The AP  (11/16, Alonso-Zaldivar) reported Medicare premiums "are going up $5 a month in 2013, the government said Friday. It's less than expected, but still enough to eat up about one-fourth of a typical retiree's cost-of-living raise next year. Medicare chief Marilyn Tavenner said the new 'Part B' premium for outpatient care will be $104.90 a month. In most cases, it's deducted directly from a beneficiary's monthly Social Security check. Currently the premium is $99.90 a month." 
 
 
Modern Healthcare (11/16, Zigmond, Subscription Publication) reported, "The Medicare Rights Center, an advocacy group, issued a statement that said Friday's announcement should remind lawmakers during deficit-reduction negotiations that seniors and persons with disabilities already pay a lot for healthcare." 
 
The Wall Street Journal (11/19, Radnofsky, Subscription Publication) and CQ (11/19, Subscription Publication) also reported the story.

#### Medicare Prescription Drug Plans
Choosing a Medicare drug plan (Part D) is complicated. You need to consider what drugs you take, whether you need brand name medications or generic ones, and if your medications require any special approvals. Then, you need to review your options and determine what your total annual costs are likely to be:

Lower-cost plans are ideal for people taking generic prescriptions or none. You will not pay much monthly and have coverage if you do need to suddenly fill prescriptions.
There are other plans with higher monthly premiums but offer better coverage for someone taking several expensive or brand-name medications.

Also, make sure the plan’s formulary covers your medications! You should review your prescription drug plan annually as your needs (and the plans themselves) change. There is an annual Medicare open enrollment from Oct. 15 to Dec. 7 to allow people to change their Medicare Prescription Drug Plan for the next year.
Throughout the year, you should also check pricing on your prescriptions. Your choice of pharmacy can make a big difference. Additionally, you should check whether the prescription cost would be lower using www.Goodrx.com. They show price comparisons between pharmacies and offer coupons that can significantly cut your out-of-pocket costs.
 

 
We are not connected with or endorsed by the U.S. government or the federal Medicare program.  We do not offer every plan available in your area. Currently we represent nine organizations which offer 21 prescription drug plans and countless other products in your area. Please contact Medicare.gov, 1–800–MEDICARE, or your local State Health Insurance Program to get information on all of your options. The purpose of this communication is the solicitation of insurance. 

#### Medicare Secondary Payment Information
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#### More Effects of "The Affordable Care Act" on Employers
HHS Delays Small Business Exchanges For A Year.
The New York Times (4/2, A12, Pear, Subscription Publication) reports that the Obama Administration, "unable to meet tight deadlines in the new health care law," is "delaying parts of a program intended to provide affordable health insurance to small businesses and their employees - a major selling point for the health care legislation." The Affordable Care Act "calls for a new insurance marketplace specifically for small businesses, starting next year." However, "in most states, employers will not be able to get what Congress intended: the option to provide workers with a choice of health plans," settling instead for a single plan.

#### More News In Health Care Reform...
Employer Penalties Starting in 2014 Under ObamacareFrom: Real Health Care Reform
The 2010 health care reform law does not mandate employers to provide health care coverage to their employees.  However, starting January 2014, large employers will have to face penalties if they do not offer affordable health insurance coverage to their employees.
Small business owners with less than 50 employees are exempted from penalties. They can even get tax credits toward their health insurance costs.  Tax credits are only available to small businesses with 25 or less workers with an average wage of $50,000 or less.   For employers having full-time workers not exceeding ten with an average wage of $25,000 can get full tax credits. Non-profit employers can get a maximum tax credit of 35 percent of the employer’s premium contributions while for-profit employers can receive at most 50 percent.
You might be wondering why only small employers will be given tax credits.  Based on a survey conducted by the Kaiser Family Foundation, only 49 percent of employers with three to nine employees offer employer-sponsored health care coverage compared to the 95 percent of large employers with more than 50 employees.  If tax credits are provided, small employers will be motivated to provide health insurance policies to their employees.
There are two different scenarios for large employers who do not provide affordable health insurance to their employees:

Large employers that do not provide health care coverage and have at least one full-time worker getting health insurance via the exchange.  For this scenario, the employer will be fined an annual fee of $2,000 for every full-time worker but the first 30 employees will be excluded.


Large employers who do not offer adequate or affordable coverage with at least one full-time worker getting health insurance via the exchange.  Employers in this situation will have to pay an annual fine of $3,000 for each full-time worker getting a premium credit, with a maximum penalty equal to $2,000 for each full-time employee, but the first 30 employees will be excluded.

What do you mean by unaffordable and inadequate coverage?
Coverage is considered unaffordable if the employee needs to contribute more than 9.5 percent of their family income to employer coverage.   Coverage is inadequate if the insurance does not pay for at least 60 percent of health care costs.

#### More News on Health Care Reform
How State Exchanges Are Playing OutFrom: Real Health Care ReformThe all-too-quickly-approaching deadline is approaching for state officials to declare whether they’ll run an exchange for their state of let the feds do it.
This deadline has actually come and gone, but Health and Human Services announced a new deadline to give officials more time to decide. By February 2013, all states must declare whether they plan to create their own exchange or let the federal government do it for them.
Whether the state or the federal government end up hosting the exchange for your state, time is running out to get the works in place. You’re supposed to be able to check out a new exchange in less than a year. The coverage you select is supposed to be in effect by January 2014. And it looks like many states, and the Federal government, will have a hard time being ready by these deadlines.
The new exchanges are envisioned as online marketplaces where small business owners and individuals can shop for affordable and quality health insurance products. We’ll continue to monitor the coming changes and look for insights that can help you navigate the new ways health insurance and health care may become available.
Some changes are already apparent. Florida Republican Gov. Scott, for example, has said he wants to negotiate with federal officials to try to help nearly four million uninsured Florida residents. Scott was one of the strongest opponents to the health care reform law.
In Iowa, Governor Branstad said that he is delaying a decision about running the state exchange, but his spokesman said the Governor is considering a partnership with other states in order to run an Iowa exchange. Florida and Ohio officials may take the same path.
Mississippi Republican insurance commissioner Chaney has already notified the Obama administration that his state will proceed with a state-run exchange. Republican Governor Martinez of New Mexico has also agreed to run an exchange.
There are a number of potential benefits available to state governments that build their own health-insurance exchange. One of the biggest is that this would help keep state officials involved when it comes to coordinating Medicaid. And, many people may be moving between Medicaid and state-exchange private coverage.
The states that stay “in the loop” will have choices to make, like whether to allow all insurance companies to participate in the exchange. They can opt to only allow in companies that agree to meet their criteria.
Other state officials in places like Kansas, Louisiana, Missouri, South Carolina and Texas seem unlikely to participate in the state exchanges. That leaves it up to the federal government to take responsibility. The previously Republican-led state of Virginia has also left running its exchange to the federal government.

#### More on International Health Insurance
What is International Health insurance?
Expatriate health insurance is designed for those who are living and working abroad. It is designed to give you and your family access to the best healthcare possible, wherever you are in the world.
 
Who is Cigna?
We trace our roots back more than 200 years, but we became the company you know today in 1982 with the merger of INA Corporation and Connecticut General Corporation. Ever since, we’ve continued to innovate and expand around the world. We have sales capability in 30 countries and jurisdictions, and more than 86 million customer relationships throughout the world. Our more than 37,000 employees serve customers just about everywhere.
Every day, our team works together with our customers in ways they find proactive, personal and empathetic. That spirit of true partnership goes deeper than paying claims, and is often life-changing — helping customers stay well, prevent sickness, obtain access to health care, recover from illness or injury, return to work and provide for their families. Worldwide, we offer our customers and their families’ peace of mind and a sense of security. We’re with them all the way, through the most critical points in their lives.
 
What we do
We work together with customers to help them lead a healthy, secure life. We provide customers with personally relevant products and services, and we help customers choose affordable health care and achieve optimal health outcomes.
You are covered wherever you go
Cigna International provides access to superior quality healthcare and related financial protection programmes to employers, affinity groups and individuals around the globe.Leaders in Global Healthcare Benefits
We offer:

Individual international healthcare plans
Dental & vision plans
International employee assistance
Continuation options
Health & Wellbeing benefits

{pdf=docs/cignaihs.pdf|100%|1170}

#### Naama featured in Daily News - Covered California warns uninsured to enroll by Sunday, or face penalties
A steady stream of clients filed into RightPlan on Friday with a mission to accomplish: sign up for a health plan by Sunday or pay a penalty. A big one.
That’s the provision under the Affordable Care Act that brought Caley Carr, a professional tap dancer and teacher, to the Valley Village business.
“The tax penalty is a little bit like the fire that got me moving,” said Carr, 29, as he sat with an agent to discuss his plan options. “I don’t want to pay a penalty again.”
People who receive health coverage from an employer, Medicare or another government program don’t have to worry, but those such as Carr, who are self-employed and who have gone without health insurance, have until Sunday. Those who qualified and went without health insurance in 2015 may have to pay a penalty at tax time, which can go up to $325 per adult and $162.50 per child or 2 percent of the total household taxable income, whichever is higher. That rate will rise to $695 per single filer and 2.5 percent come next tax season. The penalty may go as high as $10,000 for a family of four.
 


 
Small businesses up to 50 employees also have new requirements to meet by Sunday’s deadline.
But even with those steep costs, thousands across the Golden State are still not getting the message, acknowledged Peter Lee, the executive director for Covered California, the state’s health plan marketplace.
When the first enrollment period kicked off in late 2013, there was a certain learning curve to be expected about Covered California and its federal version, HealthCare.gov, both government-run exchanges. Deadline extensions were offered and the tax penalty was smaller.
Now, with hours left in the third enrollment period, no extensions will be offered. It’s either meet the deadline by Sunday or get ready to write a check to the Internal Revenue Service, Lee said. There is only one exception: Those who start an application on Sunday will have until Feb. 6 to finish it.
A total of 1.3 million have enrolled in plans through Covered California since 2013. Not all have stayed. Some people couldn’t make the monthly payments. Premium costs in California rose an average 4 percent.
But another 4.7 million Californians qualified for Medi-Cal, the state’s version of Medicaid.
Some experts estimate that up to 700,000 Californians remain uninsured and eligible to purchase plans available on Covered California or may qualify for Medi-Cal, Lee said. Those do not include people who are undocumented and living in the state.
So far, 329,000 new enrollees signed up through Covered California this enrollment period, although the exchange’s goal is to reach 490,000.
Lee said the culture of having health insurance is changing.
Read more here: Daily News

#### Naama featured in Studio City Life Style magazine : Community Focus
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#### Naama featured in Tolucan Times: Award-winning Medicare expert Naama O. Pozniak helps seniors navigate the options
{pdf=docs/tolucantimes1014.pdf|100%|1170}

#### Naama in SCSOE News
{pdf=docs/SCSOENewsOctcolor22.pdf|100%|700}

#### Naama in the News - Feb 15th Final Open Enrollment Deadline
URL: https://rightplan.com/feb-15th-open-enrollment-deadline-2/

#### Naama in the News - Feb 15th Open Enrollment Deadline
URL: https://rightplan.com/naama-in-the-news-feb-15th-open-enrollment-deadline/

#### Naama in the News - Open Enrollment 10/15/2015 - 12/7/2015
URL: https://rightplan.com/openenrolmentmedicare/

#### Naama in the News: The Tolucan Times
The Tolucan Times features Local Medicare/wellness expert Naama O. Pozniak helps navigate your options; open enrollment begins October 15. Read the whole article here.

#### Naama in the news! #MAPD #PartD #Medicare #OpenEnrollment #Vision #Hearing #Insurance #CoveredCA #TheBirtdayRule
URL: https://rightplan.com/naama-in-the-news-mapd-partd-medicare-openenrollment-vision-hearing-insurance-coveredca-thebirtdayrule/

#### Naama in The Tolucan - Jan. 26
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#### Naama in The Tolucan - Oct. 26
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#### Naama wins the NAHU Distinguished Service Award
I  am truly humbled and grateful to share this Award with you all. Last Monday was an ordinary Monday for our yearly #NAHU National Conference.  It appeared that nothing was ordinary for me, from the wildest House of Delegates to an incredible crazy bonding afternoon with a few of my NAHU sisters (you know who you are!),  I was beyond surprised, humbled, and in full gratitude to receive this incredible Award.
So this Award (not a prize) actually added some life lessons for me as I reflect and go through my life changes and transformations, and reminded me , that I am truly feeling humble to ride this life wave and receive such an incredible recognition.  It was a true reminder! It reminded me the love I constantly feel in my heart. It reminded me that joy is not something to learn, it is something to live and in life everything we know is that, we don’t know.
It reminded me that we are all on this ride together and that I wouldn’t be who I am without you all in my life.  It reminded me that despite the pain, the HealthCare chaos and the numerous things that don’t work in my life, I can still see and feel the future, the vision, the clear positive energy of this universe. Thank you for being on this ride with me. this award is a reflection of you all and I simply love you! Cheers for a wonderful weekend, Namaste ~ ♥

#### New  QLE deadline in California
Mar. 1, 2020      Feb. 18–29, 2020
April 1, 2020      Mar. 1–30, 2020
May 1, 2020       April 1–30, 2020
 
New Qualifying Life Event for 2020 Healthcare / ~ Important information ~
 
You can now submit applications to Private coverage or Covered California for a new Qualifying Life Event (QLE) entitled, "Learned of new Penalty/Financial Help/Covered, seeking subsidy/Loss of coverage." This new QLE applies to individuals who were unaware of the new mandate requiring residents of California to have health coverage as of Jan. 1, 2020 or have just learned of the California State Subsidy providing financial assistance to those at or below 600% of the Federal Poverty Level. Individuals who don't have proof of health coverage may have to pay a tax penalty in 2021.
 
You can now submit applications with this QLE from Feb 18, 2020 through April 30, 2020. Since this was a last-minute announcement, the effective date will be adjusted for applications submitted with this new QLE.
Coverage effective date for Application submitted between these dates:
Mar. 1, 2020      Feb. 18–29, 2020
April 1, 2020      Mar. 1–30, 2020
May 1, 2020       April 1–30, 2020
 
This QLE only applies to new enrollments, and retroactive coverage dates are not offered. If you decide to take advantage of this QLE, you may still have to pay a prorated penalty for the time they did not have coverage depending on when the enrollment becomes effective.
 
As a reminder, you may now qualify for a subsidy through Covered California due to the new California Premium Subsidy (CAPS) mandate. To learn more about CA QLE eligibility, refer to  our  A+ Team for any further question or follow up ~ we are @ 12500 Riverside Dr. S#206, Valley Village,  / 8185087177 or info@rightplan.com

#### New Ad Campaign Launched!
URL: https://rightplan.com/new-ad-campaign-launched/

#### New Executive Order Calls for Expanding Access to Association Health Plans
President Trump has signed an executive order calling upon the U.S. Department of Labor (DOL) to consider, among other things, expanding access to Association Health Plans, which could potentially allow employers to form groups across state lines. Until further guidance is issued or legislation is signed, however, all current ACA requirements remain in effect, including penalties for noncompliance.
Key Highlights
The following are key highlights of the order:

Association Health Plans (AHPs): The executive order directs the DOL to consider adopting a broader interpretation of the Employee Retirement Income Security Act (ERISA), which could potentially allow employers in the same line of business anywhere in the country to join together to offer health insurance coverage to their employees.
Short-Term, Limited Duration Insurance (STLDI): The executive order directs federal agencies to consider ways of expanding coverage through low-cost STLDI, which is not subject to certain ACA rules.
Health Reimbursement Arrangements (HRAs): The executive order directs federal agencies to consider changes to the rules regulating HRAs so that employers can make better use of these arrangements for their employees.

For more information on this executive order, click here.
Note: In general, executive orders must be implemented in a manner consistent with applicable law, including the Administrative Procedure Act, which requires extended review of and public comment on any federal rules which may be proposed as a result of an executive order. Going forward, we will promptly report changes made to any ACA requirements.

#### New HTH Case Study
 
Location:
Torremolinos, Spain – HTH member travels from Florida to Torremolinos for a two month vacation.
 
Product Purchased:
TravelGap® Silver
 
Medical Situation:
72 year old member with a history of Alzheimer’s Disease and atrial fibrillation experienced dizziness and bleeding and suffered a loss of consciousness. He was admitted to a local hospital for diagnosis and treatment.
 


 
Diagnosis:
Gastric Bleeding
 
Action:
After an initial evaluation, the member was admitted to the Intensive Care Unit (ICU). HTH's Medical Director consulted with the attending physician in Spain. A gastroscopy indicated evidence of polyps at the bulbar level, and the bleeding subsequently stopped. The patient was transferred to a semi-private room once he regained consciousness, but remained disoriented. His condition was monitored on a daily basis by HTH's Medical Director. Although the facility was not under contract, the hospital agreed to invoice HTH for all medical services. After a two week hospitalization, the attending physician indicated the patient was fit to fly back to the U.S., but required a nurse to accompany him due to his confused state and weakened medical condition.
 
Outcome:
After hospital discharge in Spain, the member was medically evacuated to the U.S., accompanied by a nurse in business class seating. He was re-admitted to a hospital in Florida under the care of his family physician. HTH arranged and paid for the hospital charges in Spain, the medical evacuation and the nurse escort.
in Action
 
HTH Worldwide ValueHospital charges in Spain$21,308.00
Medical evacuation including business class upgrade and nurse escort$25,375.00
Total Incurred Expenses$46,683.00
Annual Premium paid for TravelGap® Silver $179.00

#### New Survey Shows the Affordable Care Act Has Dramatically Reduced California’s Uninsured Rate
Seventy-two percent of California’s previously uninsured gained coverage since the Affordable Care Act went into effect.
The majority of the recently insured say their experience with their current Covered California plan has been positive.
Nearly half of the remaining uninsured are unaware of the financial help available only through Covered California. The survey found that recently insured consumers are getting access to quality care:

Seventy-seven percent say their health needs are being met, which is up from 49 percent in the first survey conducted before the launch of the Affordable Care Act and Covered California’s first open-enrollment period.
Seventy-six percent are satisfied with their choice of primary care doctors.
Seventy percent say their experience with their current Covered California health care plan has been positive.



Additionally, recently insured consumers say that their new health care coverage is a good value and that the coverage makes them feel more financially secure.

Sixty-five percent say health insurance is worth the cost, which is up from 58 percent in the first survey conducted before Covered California’s first open-enrollment period.
Forty-two percent report feeling more financially secure with health insurance provided by Covered California, which is higher than those who have employer-sponsored insurance.

The survey also showed the importance of continuing to spread the word about the financial help available only to Covered California consumers, as 76 percent of the remaining uninsured said they would be likely to get insurance in the future, if they could buy it for less than they thought. However, only 49 percent of the remaining uninsured said they were aware of the available
Covered California’s next open-enrollment period begins Nov. 1 and runs through Jan. 31, 2017. In the meantime, special enrollment for those who experience a change in life circumstances, such as moving, getting married or having a baby, continues year-round.

#### Obama Signs ACA Small-Business Legislation.
President Obama yesterday signed legislation “aimed at preventing premium increases that some smaller businesses were expecting next year under his signature health care law.” The new law keeps the ACA’s definition of small business at one to 50 workers but allows states to increase that threshold if they choose. The number was scheduled to expand to 100 on Jan. 1.


 
WASHINGTON — President Obama signed a bill Wednesday night making an important change to Obamacare that will prevent health insurance premiums for 3 million people from going up next year.
The Protecting Affordable Coverage for Employees Act seems like an unlikely Washington success story: A bipartisan health care bill passed by both chambers without a single no vote and signed by the president with no controversy or fanfare.
Except it's actually not that unusual. For all the raucous debate over repealing Obamacare, such technical fixes can happen. Since the Affordable Care Act was first passed along party lines in 2010, President Obama has signed at least 14 bills making substantive changes in his signature legislation of his presidency, according to an analysis by the Congressional Research Service. Eight of those have been Republican bills.
"Unbeknownst to the public, there is actually some governing going on," said Larry Levitt, a senior vice president at the Kaiser Family Foundation who worked on health care legislation in the Clinton administration.
But don't get too excited. "I'm not sure this relatively modest measure will pave the way for a raft of bipartisan consensus around the health law," Levitt said. "None of the changes strike at the heart of the law or change it in any substantial way. So maybe it's a little overstated to say it’s actual governing."
 
Among the most significant changes made to Obamacare thus far: The 2011 repeal of a provision requiring businesses to report to the IRS any time they made a purchase of more than $600 to a single vendor, and the 2013 repeal of a voluntary long-term care insurance plan that the Obama administration found unworkable.
The law signed by Obama Wednesday makes a minor fix in the definition of a small business that could result in thousands of dollars of savings for 150,000 businesses. Under the original law, small businesses of less than 50 employees have their own special rules requiring specific types of coverage with a higher cost to employers. Beginning in 2016, those special rules were scheduled to apply to small businesses of 51 to 100 employees.
Feds say nearly 18 million now insured through Obamacare
The new law gives states the ability to decide how to classify businesses of 51 to 100 employees, potentially saving premiums for small business employees from going up 18 percent or more, according to an estimate from the consulting firm Oliver Wyman. And there's a bonus: Reducing workers' insurance premiums means increasing their taxable income, resulting in a $280 million in additional revenues to the federal government over 10 years. That money will go to bolster Medicaid.
"There are a lot of things in the bill that need fixing. I'm for repeal and replace," said Brett Guthrie, R-Ky., the sponsor of the bill. "But here’s the situation: You have people being negatively affected, and so can we find a way to work together to fix it. Sometimes it’s not about who has the biggest lobbying firm. It’s when you have grassroots people who say they’re being negatively affected. ... And this affects businesses every congressional district in the country."
Source: USA Today

#### Obamacare and Doctor Choices
Why You Will See Fewer Doctor Choices Under ObamacareFrom: Real Health Care Reform
As I’ve discussed before, theAffordable Care Act is going to (perhaps ironically) cause health insurance to become less affordable for most people.  One way insurance companies may try to counteract these rising costs is by narrowing the number of available doctors and hospitals that policyholders can use.
Return of the HMO
In the 1980s, Health Maintenance Organizations, or HMOs, were promoted as a way to keep rising health costs under control.  The way they attempted to do this was to require policyholders to go to a primary care physician first, before they could see any specialist.  Only when the primary care physician approved a visit to a specific specialist, would the care be covered under the policy.
The primary way the HMO tried to reduce expenses was by limiting coverage, and allowing policyholders to only see a small set of physicians that had contracted with the HMO.  As you can imagine, most of these plans became highly unpopular as people had to jump through hoops to get their health care.
With the full implementation of the health care reform law in 2014, these narrow networks are coming back.
Why Networks Will Be Smaller
Starting in 2014, everyone who does not have a grandfathered health insurance plan that went into effect before Obama signed the act into law March 2010 will have to switch to a new government-approved plan.  And, it looks like most of the PPO networks will be much smaller than those currently available to most policyholders.
As you can imagine, the reason smaller networks save insurance companies money is because the companies contract with the least expensive providers.  So, as a policyholder, if you have a major or complicated health situation, you may end up not being able to see the physicians that may offer you the best chance of a successful outcome.
Another reason carriers will be offering less attractive networks is because they will want to discourage the most unhealthy applicants for applying for coverage.  Starting in 2014, anyone can purchase health insurance, regardless of pre-existing conditions.  An insurance company trying to avoid business is one of the perverse consequences of this misguided law.
What This Means to Yo
If you are one of the millions of people that will be forced to choose a new plan in 2014, in addition to your new premium, you should make sure your physician is in the network, and then look at the size of the network itself.  The plans with the most narrow networks are likely to be least expensive, but balance the money saved against the increased risk you’ll face in a smaller network.
The reason I carry health insurance is to protect against the major unexpected health situations that can wipe out my savings.  I’m not too worried about paying for checkups.  If something major does happen, I want to be able to go to the best doctors out there.
This may not be possible even in the best networks, which is why I’m happy to have a sizable savings built up in my Health Savings Account.   But, I’m still going to be looking very closely at any changes in the PPO network I have access to as I move into 2014.
For all clients of HSA for America, we’ll be sharing detailed information about network availability as that information becomes available.
 
 

#### Obamacare and the IRS
The president’s health care law provided for thousands of new IRS agents...but it failed to deal with the shortage of nurses and doctors to actually take care of people.

#### Obamacare and the Small Business Owner
Small Business Owner?  How To Avoid Obamacare Tax HitsThe provisions of the Affordable Care Act will be kicking in starting in 2014.  Small business owners are now doing a lot of research on how to avoid taking a severe tax hit from the law.  You often hear independent business groups complain about the additional taxes and penalties Obamacare will create.  But what type of businesses will the provisions of Obamacare exactly target?
If you are a small business owner, here are a few facts you should know:
1.  Business owners with more than 50 employees will be faced with the decision of whether to sponsor a health insurance plan for all of their workers or pay the federal government $750 per employee if the business owner chooses not to sponsor a health insurance plan.
With the poor economy, a business owner should do the math in order to find out which option would save him money, paying for a health plan for his employees, or paying the corresponding tax penalty to the government.  Some business owners would likely pay the penalty since it is a lot cheaper compared to paying for an employee health plan.
2.  Small business owners who employ 25 to 49 employees are not required to sponsor an employee health benefit plan.  Those who do have health plans for their employees will likely be burdened with a health insurance premiumincrease.  There is not a cap on health insurance premiums, thus insurers can now choose to increase premiums before the start of open enrollment.
3.  Small business owners with employees fewer than 25 will actually get some tax relief if they are offering employee health plans.  In 2014, 50 percent of the total premiums paid will be given in the form of tax credits if the business owner acquires insurance plans from the Small Business Health Options Programs.
It should be noted, however, that this tax incentive is not available to businesses with sole proprietorship, but only to corporations or Limited Liability Companies.
 
From: Real Health Care Reform

#### ObamaCare Premiums, Penalties Rising as Open Enrollment Begins
Most ObamaCare customers will find they have to pay more for coverage in 2016 than they did this year, as they begin to select health insurance plans this weekend.
Premiums, as well as penalties for not buying insurance, are going up next year as the administration lowers expectations for overall enrollment. The "silver plan," the second-cheapest available on the federal exchange, will cost on average 7.5 percent more next year, the Department of Health and Human Services announced.
By: Rich Edsonhttp://www.foxnews.com/politics/2015/10/27/obamacare-premiums-penalties-rising-as-open-enrollment-begins/

#### Open Enrollment 2018, Personal Note & Gratitude ~ ♥
Health Insurance 2018: What You Need to Know
 Greeting of gratitude and joy for this upcoming Thanks Giving week-end ~ The health insurance industry has known better days.Political turmoil has created a terribly complicated situation in our healthcare market. Even as the fourth Open Enrollment started on 11/01/17, no one can predict what the outcome of this messy healthcare situation might be.The one truth we can all agree upon is that our country is in dire need of a healthcare system that works to keep its citizens on a healthy road to long and fruitful lives, without dependency on pharmaceuticals. Without a doubt, this is the year that each of us should step back and honestly look at our lives to assess how we might make healthful changes that will impact out future in a most positive way.As valued family friends and clients and part of our family, I advise all of you to take your health into your own hands in the coming year and choose a path of healing to soothe and restore your mind, body, and spirit. 11/01/17 marked the start of the 2018 Individual Open Enrollment period, which runs until 1/31/18. This is the once-a-year opportunity to sign up for health insurance under the individual market, effective 01/01/18.It is urgent that you review and renew your health care plan, both for your family and yourself.Furthermore, the Open Enrollment for Medicare opened 10/15/17 and runs until 12/07/17. If you have Medicare, it is time to assess or make changes to your Part D or to your existing coverage. A major adjustment that will affect many Californians is Anthem Blue Cross’ withdrawal from the Individual Insurance Market.Anthem Blue Cross will no longer offer individual coverage unless you qualify under a Grandfather Clause or are covered through your employer.If your Anthem Blue Cross individual policy is not renewing in 2018, you need to learn about your options for the New Year and the deadline is 12/15/17 for effective date of 01/01/18. On October 12, 2017, President Trump issued an Executive Order affecting the health care market. None of the items referenced in the October 12 Executive Order affect the current Open Enrollment period for 2018.We in California will keep our six-week Open Enrollment, which runs from 11/01/17 to 01/31/18. We have to stay positive and find the best solution and for each and every one of us it will be a different solution. The White House also announced that it would no longer be making CSR (Cost Sharing Reduction) payments to carriers in ACA marketplaces. In response, Covered CA added a 12.4% surcharge to the Silver Option, in an effort to stabilize and cover the loss.No other change will take effect in the upcoming 2018 healthcare market. Regrettably, the 2018 rates for the individual market have skyrocketed and were tremendously effected by the Executive Order. There will be smaller networks, higher premiums, and higher out-of-pocket expenses.Unless you are willing to change doctors, you will experience a severe rate hike of 20% to 48%. This is among all carriers, including Kaiser Permanente. Nevertheless, Californians are fortunate to still have so many carrier options including Blue Shield, Oscar, Kaiser, Health Net, Molina, and LA Care. Numerous other states don’t offer nearly as many choices and their options are quite limited.As ever, Employer Group Benefits remain the best coverage available, with the strongest networks and employer contributions.You should feel very grateful and lucky if your employer offers you full coverage through a PPO Or HMO network. We are going into a tough year for the healthcare industry.I am still a believer of the HSA, HDHP option (Health Saving Account, High Deductible Health Plan) so at the very least you can gain an advantage on your taxes.In addition, I invite you to look into smaller networks of doctors, such as some HMO options or EPO for Oscar Health.Penalties will continue to be enforced for those who do not purchase health insurance, so be sure to get moving on this right away.Unfortunately, the health insurance market is likely to get worse before it gets better.I am positive that a change is on the horizon. I invite you to visit us at RightPlan Services and follow up with us so we will help you to examine your options and guide you to the best possible policy for you and your family.As valued family friends and clients, I want you to know that it has been a true blessing to serve you all for so many years.Either you are current, past or future client, we love you all. Naama and the A+ Team would like to take a moment and share with you how blessed we feel to have you as part of our family. Blessings for a beautiful Holiday week ~ ❤️

#### Open Enrollment Deadlines
As Open Enrollment season comes to an end this month, a gentle reminder that if you haven't updated your plan, you might be losing money! Whether you are on CoveredCA or privately insured, there are new programs designed to help relieve the costs of insurance for many middle income families. Thanks again to @bryanweatherford and the @biztv team for having me on to discuss these important deadlines! December 31 is the deadline for a January 1, 2022, effective date for all private and Covered CA insurers, save for Kaiser which is December 15. Get covered, stay covered!

#### Over 65 Health Insurance
 
People get confused over the alphabet letters of Mediare. Here is a primer:
Medicare Part A covers in-hospital treatment, after you meet the deductible. There is no cost if someone worked 10 years (40 quarters) and paid FICA employment taxes. If you didn’t pay the tax for the full period, there is a monthly charge.
Medicare Part B pays part of the cost for doctor visits, outpatient hospital bills, some home health services and durable medical equipment like walkers and wheelchairs. There is a monthly premium cost that is based on income.
Since the passage of the ACA, Medicare offers:

FREE annual wellness visit (In-Network Provider)
Some FREE cancer screenings (In-Network Provider)
50% discount on covered brand name prescription drugs when you're in the "donut hole"
Better fraud protection

What is a Medicare Supplement Plan?
A Medicare Supplement plan, also know as ("Medigap"), provides additional coverage beyond Original Medicare (Parts A & B). Here are the main features these plans offer:

Help reduce or eliminate money paid out of pocket for care received (deductibles, co-pays, and coinsurance)
Help pay for prescription drugs.
Standardized plans that are identified by letters – A through N (Massachusetts, Minnesota and Wisconsin have their own standardized plans). 
Provide some medical insurance if you are outside of the U.S. (Medicare does not cover care outside the U.S., Some Medigap plans offer emergency coverage, but a travel medical insurance policy is recommended).
Are offered through private insurance companies.

 
Now is the time to compare plans. At RightPlan Service, we will help to make sure that you have the right health and prescription drug coverage to best suit your needs.  Please call our office at 818.508.7177!
Our service is FREE!
You can also email us at info@rightplan.com 

 
 
Medicare Supplement Plans and Options

 
 
Proud to be a local Medigap professional!
 
 
 Please call our office if you have any questions!
We will be very happy to assist you!
818.508.7177
 


Over 65 Options With the health care law, Medicare offers: FREE annual wellness visit (In-Network Provider) Some FREE cancer screenings (In-Network Provider) 50% discount on covered brand name prescription drugs when you're in the "donut hole" Better fraud protection Now is the time to compare plans. At RightPlan Service we will help to make sure that you have the right health and prescription coverage that best suits your needs. Please call our office at 818.508.7177! Our service is FREE! You can also email us at info@rightplan.com   What is a Medicare Supplement Plan? A Medicare Supplement plan also know as ("Medigap") provides additional coverage beyond Original Medicare. Here are the main features these plans offer: Help reduce or eliminate money paid out of pocket for care received (deductibles, co-pays, and coinsurance) Standardized plans that are identified by letters – A through N (Massachusetts, Minnesota and Wisconsin have their own standardized plans) Are only offered through private insurance companies   Medicare Supplement Plans and Options     Proud to be a local Medigap professional!      Please Call Our Office If You Have Any Questions! We Will Be Very Happy to Assist You! 818.508.7177  Why wait?   Get a Quote!

#### Over 65 Travel Insurance
Scores of senior travelers are reaching all corners of the globe on leisure, business and educational trips. Health and safety are now major concerns as international travel expands. Unfortunately, Medicare DOES NOT cover the Senior outside the U.S.  That’s why a Travel or Trip Protection policy is important.
Given the heightened risks, savvy senior travelers are preparing more than ever to avoid potential hazards. It is no "hidden fact" that regarding travel insurance, Seniors have to be extra cautious to select the best plan that is capable of offering full coverage while they are away from their hometown and home country.
What Will a Good Travel Health Policy Do for You?
Travel health insurance policies are designed to pick up your medical expenses when traveling abroad. If you are covered under Medicare, these plans act as your primary insurance while abroad. Travel health insurance also fills critical gaps when taking Medicare supplemental plans overseas. For example, Medicare supplements typically cover emergencies up to $50,000 and are subject to a $250 deductible and 20% coinsurance.
The best plans cover everything from hospitalization, surgery, physician office visits, ambulance services, prescription medications, and emergencies. The premier plans make it a point to cover sickness or injury resulting from a pre-existing medical condition or terrorist event without limitations. Some policies even pay medical providers overseas on a direct basis so you can avoid the paperwork hassles that come with filing a claim.
Worry- Free Travel with:

TravelGap
TravelGap Multi-Trip
Renewable, Portable Coverage with Global Citizen
Protect Your Investment with Trip Protector

Admitted Coverage versus Non-Admitted Coverage
There are big differences in your rights when you buy travel health insurance. Some plans are licensed and regulated in the U.S. while others are issued offshore beyond the reach of your state’s Department of Insurance. In fact, most evacuation membership plans are not regulated or even backed by a rated insurance carrier. U.S. Licensed and approved plans are called “admitted insurance” and afford members the strongest consumer protections. Your personal health and financial security hang in the balance.
Admitted Health Insurance Advantages Include:

Consumer ProtectionThe strict U.S. insurance laws are strict and protect health care consumers. Policy language must be fair and meet the plan English definition. Policy wording, plan definitions, exclusions, claims turnaround times, formal appeals process must meet regulatory guidelines.
Global Provider NetworksWhat good is insurance if you can’t find a doctor you trust? The best plans give you access to the best providers who are able to bill the insurance company directly. In addition, providers are selected based on their medical credentials, language proficiency and more. ALWAYS ask the insurer what their credentialing process entails.
Richer BenefitsAdmitted benefits tend to be broader and deeper with fewer surprises at time of claim. The table below illustrates major differences between and admitted policy and a popular non admitted policy.

 



Coverage Considerations
Sample ProvisionsAdmitted Policy 
Sample ProvisionsNon-Admitted Policy 


Conforms to U.S. health insurance laws
Yes
No


Pre-Existing conditions covered to policy limit*
Yes
No


Terrorism covered with no excluded countries
Yes
No


Pre-certification not required for hospitalization  
Yes
No


Cashless access to profiled physicians and hospitals in 180 countries
Yes
No



*Pre-existing conditions may be subject to current enrollment in Medicare.
 
Healthy, Safe Travel
Enjoy peace of mind with a well-built travel health plan. As with everything in life, it is a good idea to do your homework. Always ensure that you read the fine print rather than just scanning a benefit schedule. Ask your broker or insurance company to send you a sample policy so you can get a complete picture of what you’re buying.

#### Protecting California’s Seniors From Surprise Hospital, Nursing Home Bills
Californians with Medicare coverage would no longer be surprised by huge medical bills stemming from “observation care” in hospitals under legislation that state lawmakers approved overwhelmingly last week and sent to Gov. Jerry Brown to sign into law.
The sticker-shock can happen when people go to the hospital but health care providers are not sure what’s wrong. If the patient is not sick enough to be formally admitted, but still not healthy enough to go home, they can stay in the hospital for “observation care,” which Medicare considers an outpatient service. That can mean higher out-of-pocket expenses for the patient.
Hospitals can bill observation patients for a larger share of the cost of any treatment and tests than admitted patients. Any routine medications they usually take at home may not be covered at all in the hospital. In some parts of the country, Medicare observation patients have been charged exorbitant prices for prescription drugs, including $18 for one baby aspirin.
And because observation patients have not spent the required minimum of three straight days as an admitted patient, Medicare will not cover their follow-up nursing home expenses after discharge. Observation care doesn’t count.
But patients may not even know they have been placed on observation care status when they’re lying in a hospital bed.


 
“I don’t think the average person knows the difference,” said Sen. Ed Hernandez (D-West Covina).
Hernandez introduced the legislation requiring hospitals starting Jan. 1 to tell all patients if they are getting observation care.
The state’s observation care notice would not necessarily spell out the details, but it would warn patients that their status could affect what their insurance will cover.
After they get the notice, Medicare observation patients can try to ask their doctors to change that status. If their doctor prescribes nursing home care, they’ll have to pay the bill but can try appealing to Medicare for reimbursement, or they can go home and recover on their own.
Members of private Medicare Advantage plans should ask their plans about their observation care policies, since they can vary.
In California, the number of people hospitalized for observation, regardless of their type of health insurance, was 417,366 in 2015, also more than twice as many as in 2006. The rate rose far faster than the percentage of patients admitted to the hospital (14 percent, to 3.54 million) during the same time, according to the California Office of Statewide Health Planning and Development.
Hospital officials have blamed the increase, in part, on stepped-up enforcement of the strict criteria Medicare has set for hospital admissions to avoid paying for unnecessary treatment. Medicare won’t pay anything for admitted patients who instead should have been placed in observation.
“We hope this legislation takes care of the problems we have seen associated with patients not being aware that they are actually not admitted into the hospital even though they are physically located in the hospital,” said Bonnie Castillo, associate executive director for the California Nurses Association, which represents more than 90,000 nurses and is a leading advocate for the bill.
The legislation also would require the nation’s first minimum nurse-to-patient staffing ratios in observation care units for hospitals that have separate units for those patients.
“We are still the only state that has these very specific mandated ratios for every unit of the hospital that have to be adhered to every minute of every day,” said Jan Emerson-Shea, a spokeswoman for the California Hospital Association, which represents 400 hospitals. Those staffing rules, however, excluded observation care units.
“We wanted to make sure hospitals didn’t use observation care as a loophole to avoid any of the minimum nursing staffing requirements,” said Sen. Hernandez.
If Gov. Brown signs the legislation, as many expect, Hernandez said California’s observation care notice could be combined with a federal observation care notice that hospitals also must use next year.While the federal notice provides more details in a standardized form, it is only for Medicare patients and only after they’ve spent 24 hours in observation. To comply with the state requirements, California hospitals would have to give it as soon as possible to all observation patients, no matter what health insurance they have.
Although the state hospital association neither opposed nor supported the Hernandez legislation, the observation notice is important, said Debby Rogers, the association’s vice president of clinical performance and a former emergency room nurse.
“Our goals are to make decisions in the best interest of the patients, and providing notification of their status we think helps them, and at the same time informs them if there are risks,” Rogers said.
But a notice alone is not enough, said Bonnie Burns, a training and policy specialist at California Health Advocates, a Medicare advocacy group based in Sacramento.
“It is a baby step that at least tells them there is a problem,” Burns said. “The issue for many beneficiaries is that the time spent in observation doesn’t let them access the Medicare nursing home benefit. The better fix would be to allow people to use their Medicare benefit if they have been under observation.”
Author: Jaffe.KHN@gmail.com | @SusanJaffe

#### Qualifying Life Events for Special Enrollment
To enroll in coverage outside of Covered California’s open-enrollment period, consumers must experience a "qualifying life event." Many different types of qualifying life events are described in the chart below. If consumers experience a qualifying life event, they will be allowed to enroll in a Covered California health insurance plan outside of the normal open enrollment period. Most special enrollment periods last 60 days from the date of the qualifying life event.
In most cases, consumers must report changes and select a plan within 60 days of the qualifying life event to purchase a Covered California health insurance plan outside of open enrollment. Medi-Cal is available all year, and no qualifying life event or special enrollment period is required to enroll in Medi-Cal.


 
Applying Online
When consumers apply for coverage, they will need to select a qualifying life event from a drop-down menu and will be asked the date of the event. The chart below will help them answer those questions. If consumers have additional questions about whether they qualify for a special enrollment period, they can call the Covered California Service Center at (800) 300-1506 and speak to a Service Center representative.
Qualifying Life Events




What Qualifying Life Event to Select from the Drop-Down Menu


How to Enter the Date of the Event




Lost or will soon lose my health insurance Examples:

You lose Medi-Cal coverage.
You lose your employer-sponsored coverage.
Your COBRA coverage is exhausted. Note: Not paying your COBRA premium is not considered loss of coverage.
You are no longer eligible for student health coverage.
You turn 26 years old and are no longer eligible for a family plan.
You turn 19 years old and are no longer eligible for a child-only plan.



Enter the date of the loss of coverage




Permanently moved to/within CaliforniaExamples:

You move to California from out of state. 
You move within California and gain access to at least one new Covered California health insurance plan.



Enter the date of the permanent move




Had a baby or adopted a child(If you receive a child in foster care, you will also qualify for a special enrollment period but will need to indicate "adopted a child" in the drop-down menu.)Examples:

A child is born, adopted or received into foster care. The entire family can use the special enrollment period to enroll in coverage. 
If you place your child for adoption or foster care, you can use a special enrollment period to enroll in coverage.



Enter the date of birth, adoption or foster placement




Got married or entered into domestic partnershipExample:

One or both members of the new couple can use the special enrollment period to enroll in coverage.



Enter the date on the marriage or domestic partnership license




Returned from active duty military serviceExample:

You have lost coverage after leaving active duty, reserve duty, or the California National Guard.



Enter the date you returned from active duty




Gained citizenship/lawful presenceExample:

You become a citizen, national, or permanent legal resident.



Enter the date on the immigration document




Federally Recognized American Indian/Alaska NativeExample:

If you are a member of a federally recognized American Indian tribe, you can enroll at any time and change plans once per month.



Enter the date you apply for Covered California




Other qualifying life eventExamples:

You are already enrolled in a Covered California plan and become newly eligible or ineligible for tax credits or cost-sharing reductions. 
Misconduct or misinformation occurred during your enrollment, including: An agent, enrollment counselor, Service Center representative or other authorized representative enrolled you in a plan that you did not want to enroll in, failed to enroll you in any plan or failed to calculate premium assistance for which you were eligible. 
Eligibility for COBRA coverage: If you become eligible for COBRA coverage due to the loss of employer-sponsored insurance, you can choose coverage under COBRA, or you can use a special enrollment period to enroll in a Covered California plan.
Misrepresentation or erroneous enrollment, including: Incorrect eligibility determination. This includes if you applied during open enrollment and were initially told you were eligible for Medi-Cal and then later determined not to be eligible for Medi-Cal.The health plan did not receive your information due to technical issues.An error in processing your immigration documents resulted in an incorrect eligibility result.Incorrect plan data were displayed when you selected a plan: Data errors on premiums, benefits or copay/deductibles were displayed; incorrect plans were displayed; or a family could not enroll together in a single plan.
Your health plan violated its contract.
Exceptional circumstances occurred on or around plan selection deadlines, including natural disasters and medical emergencies.
You received a certificate of exemption for hardship from Health and Human Services for a month or months during the coverage year but lost eligibility for the hardship exemption outside of an open enrollment period.
You and your dependents, if any, are victims of domestic abuse or spousal abandonment (please select "Other qualifying life event" in the drop-down menu and "Single" or "Head of Household" in the "Personal Data-Tax Information" section of the application).
You are required by court order to provide health insurance for a child who was been determined ineligible for Medi-Cal and CHIP, even if you are not the party who  expects to claim the child as a tax dependent.
You are a member of AmeriCorps/VISTA/National Civilian Community Corps: 

If you entered AmeriCorps or one of the other organizations listed above outside of open enrollment.
If you ended your service with one of the organizations listed above.

You have a “grandfathered” health insurance plan outside of Covered California, and you would like to switch to a Covered California health insurance plan instead of renewing your current plan.
Your provider left the health plan network while you were receiving care for one of the following conditions:- Pregnancy. - Terminal illness. - An acute condition. - A serious chronic condition. - The care of a newborn child between birth and age 36 months. - A surgery or other procedure that will occur within 180 days of the termination or start date.
You were released from jail or prison.



Enter the date you apply for Covered California  




None of the above (Continue to review my application for Medi-Cal/Medi-Cal Access Program)
If none of these qualifying life events apply, you should still apply using "None of the above," because you may be eligible for Medi-Cal or the Medi-Cal Access Program (MCAP) for pregnant women based on your income. Regardless of which life event you select, your application will still be reviewed for coverage through Medi-Cal and MCAP.


Enter the date you apply for Covered California




 Originally published by Covered California

#### Rate Increases and Health Care Reform
A Lot of Talk About Rate IncreasesFrom: Real Health Care Reform
I’ve been talking for a long time about how rates are going to be going up as the “Affordable” Care Act gets further implemented. And gradually, the truth is coming into clearer focus for more and more people.
Last week the Society of Actuaries released a study that predicts a 32% increase in claims cost under the new healthcare reform law. They believe that the large number of sicker people entering the market will drive this increase in claims.
Unfortunately for everyone in the individual market, this is going to further drive up premiums. To the shock of many, Kathleen Sebelius actually admitted the same. She told reporters “there may be a higher cost associated with getting into that market”.
She also noted that people will receive government subsidies to help pay for their health insurance: “But we feel pretty strongly that with subsidies available to a lot of that population that they are really going to see much better benefit for the money that they’re spending.”
She didn’t seem to even consider the millions of hard-working middle-class citizens who are buying their own health insurance, without having someone else pay for it. These are of course the same citizens who are paying the taxes that fund these subsidies.
And lastly, she admitted that young people will pay even higher premiums in order to subsidize older policyholders; and that men would pay more in order to subsidize women’s premiums.
The big question related to this issue, is whether the young, the males, the healthy – are going to be willing and able to pay these higher premiums. Those who don’t will have to pay a tax-fine in 2014 ($95, or 1% of income).
If large numbers opt out, those still in are paying even more.
The administration is hoping that competition among insurance companies will bring down premiums. But all signs are that competition will actually decrease, as it becomes more difficult for smaller insurance companies to manage the more highly regulated business climate.
The very best option at this point remains going with a high deductible HSA plan, fully funding it, and paying for it (if you qualify) through your Health Reimbursement Arrangement. If you currently have a grandfathered plan, consider keeping it.

#### Renewal and Open Enrollment Timeframes - Covered California
URL: https://rightplan.com/renewal-and-open-enrollment-timeframes-covered-california/

#### SHOP Marketplace health care
Small Business: 1-50 employees
If you enrolled your employees in health care via the SHOP Marketplace in 2015, you’ll qualify for what could be a sizeable tax write-off. Tax credit could be worth up to 50% of your contribution toward your employees’ premium costs. In general, the fewer employees your company has, the greater your tax credit will be, especially if the average salary of your workforce is less than $25,000. Here’s good news for small business owners who haven’t signed their employees up for health care yet: in 2015, businesses with 50 employees or fewer can sign up for coverage through the SHOP Marketplace.

#### Short Term Medical
Missed Open Enrollment or just need a policy for a short time?
 
… then short term medical insurance could be the right choice for you!
 
If you missed paying your regular health insurance bill or just need something quick between jobs, short term medical policies fit the bill.  They will not cover pre-existing conditions and they are not considered traditional health insurance, but they will protect you from the greater risks of being uninsured.  One hospital bill can be enough to break the bank, so make sure to protect yourself and your finances.
If they align with your life, you could also purchase a Christian Ministry Cost Share Program which would cover you year-round.  Contact us today for more information.
 
 

#### Should You Keep Your Grandfathered Health Insurance Plan?
From: Real Health Care ReformGrandfathered plans may be the most misunderstood part of health care reform. If you bought a policy before health care reform was enacted, it’s not subject to all the new mandates. That’s all the term “grandfathered” means in this case. Whether you keep one of these policies or upgrade to a new policy can make a world of difference in your health care. Here are the main questions you need to consider.
Would You Benefit from More Fully Covered Health Care?
Grandfathered plans do not have to cover recommended preventive health care. These services are recommended specifically because research shows they help prevent major medical problems, and major expenses, in the long run.  But keep in mind that you are paying for this extra coverage, and many people may be better off with a less expensive plan, and paying for their own preventive care.
How Do My Current Premiums Compare to New Plans?
A grandfathered plan could offer lower premiums because it doesn’t have to include all health care reform required benefits.  The numerous mandates and requirements on new plans are expected to result in large premium increases in 2014.
I recommend being cautious about dropping a grandfathered plan because you won’t be able to get it back once you cancel it or stop paying the premiums.  I think new plans will be more expensive than many grandfathered plans because applications from people who are sick cannot be declined in 2014.  The huge influx of people who need health care is going to put massive upward pressure on premiums.  But the only way to make a smart decision is to compare your current rates with what a new plan would cost.
There’s a similar issue, though not as immediate, with grandfathered plans.  Because these policies are no longer being sold to new applicants, the premium rates for grandfathered policies will probably ultimately rise.  No healthy, young people will be buying those plans, but aging policyholders will need more health care. So ultimately, you may end up eventually changing to a new plan anyway.
Will My Present Plan Qualify for Minimum Coverage in 2014?
Essential benefits to be offered by all newly issued plans next year are still being debated. States have already begun to make different decisions about what basic coverage will be required from plans in their territory.  Some changes taking place in 2014 may be limiting. Your current policy may offer you greater options with provider choices, prescription benefits and more.
If you have a grandfathered plan, then you can keep it even though it will not meet minimum coverage requirements in 2014.  If your coverage started after March of 2010, then you will be forced to get a new plan.

#### Some Great News Under the New Healthcare Reform!
Premium Hikes In California May Be Offset By ACA Subsidies.
The Wall Street Journal (3/29, Mathews, Subscription Publication) reports that a new report written by the actuarial consulting firm Milliman for Covered California, the agency charged with creating California's new health-insurance marketplace, says premiums for Californians who purchase their own insurance could be significantly higher next year due to the Affordable Care Act, but government subsidies will compensate for the difference for lower-income people. According to the report, currently insured people who do not qualify for subsidies could see a premium increase of 30% on average.

#### Special Enrollment
Consumers who experience a qualifying life event can enroll in a Covered California health insurance plan even outside of the open-enrollment period. This is called special enrollment. Below is a list of common qualifying life events for special enrollment that apply year-round.
 

Losing health coverage. For example, consumers are no longer eligible for Medi-Cal, or they lose health coverage through their job.
Income changes so much that a consumer becomes newly eligible or ineligible for help paying for their insurance. For example, if a consumer is already getting help paying for their insurance premium, and their income goes down, they may be able to get extra help.
Turning 26 years old and are no longer eligible to stay on your parents’ plan.
Change in place of residency, which allows a consumer to gain access to new Covered California health insurance plans. This includes moving to California from another state. This also applies to individuals who are released from jail or prison.
Having a child or adopting a child, receiving a child into foster care, or placing a child in adoption or in a foster home.
Getting married or entering into a domestic partnership.
Becoming citizens, national or lawfully present individuals. This event applies only to people who were not previously citizens, nationals or lawfully present.
Being a member of a federally recognized American Indian or Alaska Native tribe. A consumer in this category may enroll in health insurance or change health insurance plan once a month even if the open enrollment period is over.
Covered California can also determine, on a case-by-case basis, that the consumer experienced an exceptional circumstance, which could allow for a special enrollment period.

These are just some of the more common qualifying life events. Consumers can click here to read more about special enrollment and qualifying life events. To apply for coverage through special enrollment, click here.
Signing Up for Health Insurance or Changing Health Insurance Plans After a Qualifying Life Event
Consumers have 60 days from the date on which the qualifying life event happens to enroll in a Covered California health insurance plan or change their existing Covered California plan. For example, if a consumer has a child on June 1, they have until July 31 to notify Covered California, complete an application for their new child, choose a health plan and pay for it. If they do not get health coverage for their child, they may have to pay a tax penalty.
If 60 days pass and consumers do not sign up for health coverage, they will have to wait until the next open enrollment period.
Keep in mind that consumers can enroll in Medi-Cal at any time. They do not need a special enrollment period to enroll in Medi-Cal. To find out if they are eligible or someone in their family is eligible for Medi-Cal, they should complete the online application by clicking on "Apply".
How to Enroll After a Qualifying Life Event
For many qualifying life events, consumers can enroll online. They can also call the Covered California Service Center at (800) 300-1506. Service Center representatives can answer any questions consumers have about a qualifying life event and can help them enroll in or change health insurance plans. Consumers can also get help from a Covered California Certified Enrollment Counselor, Covered California Certified Insurance Agent, Certified Plan Based Enroller, or county eligibility worker.
If consumers would like help working with Covered California or their health insurance company, contact the Health Consumer Alliance at (888) 804-3536 to get free local assistance. Consumers can also visit the alliance's website at HealthConsumer.org.
Avoiding Gaps in Coverage
Consumers will need to plan ahead to avoid gaps in health coverage. It helps to know that in general, the start date for coverage depends on the date of enrollment. If consumers enroll by the 15th day of the month, their coverage will start on the first day of the next month. If consumers enroll after the 15th day of the month, their coverage will start on the first day of the second month. For example, if consumers enroll on June 13, their coverage will start on July 1. If they enroll on June 16, their coverage will start August 1. Consumers can use this rule as a guideline to help plan their new coverage and avoid gaps.
Start Dates for Coverage
For most qualifying life events, the start date for coverage depends on the date that consumers enroll, as discussed above. If consumers enroll by the 15th day of the month, their coverage will start on the first day of the next month. If consumers enroll after the 15th day of the month, their coverage will start on the first day of the second month.
But there are a few exceptions to the start date rule:

A consumer loses Medi-Cal coverage, job-based coverage or other coverage, and they use a special enrollment period, their coverage would start on the first day of the next month following plan selection, regardless of when during the month they make their plan selection.
A consumer gets married and uses a special enrollment period, their coverage will start on the first day of the next month following their plan selection, regardless of when during the month they make their plan selection.
A consumer adopts a child or places a child in adoption or foster care, and they use a special enrollment period, their coverage starts on the date of the birth, the adoption or the placement for adoption or foster care.
On a case-by-case basis, Covered California may start consumers’ coverage earlier.

Signing Up for Medi-Cal Coverage
Consumers can sign up for Medi-Cal at any time. They do not need a special enrollment period to sign up for Medi-Cal. To find out if they or someone in their family is eligible for Medi-Cal, complete the online application by clicking on "Apply" or by calling the county human services office.
Canceled Medi-Cal Coverage and Special Enrollment
Losing Medi-Cal coverage is considered a qualifying event that would trigger a special enrollment period for consumers. Other qualifying events include the loss of a job, a marriage or divorce, or the birth of a child. In the case of such an event, consumers would be eligible to enroll within 60 days of that event. During that period they could not be denied coverage by a health plan in Covered California or in the individual market, and would be eligible for the premium assistance that is only available through Covered California.
 
Originally posted by CoveredCalifornia

#### Student Travel Insurance
Most universities will require your child to secure some kind of insurance when they are studying outside of the US. Traditional health insurance policies are emergencies only outside the US. No matter how long your stay, if you are travelling after, more comprehensive coverage is available so parents can relax knowing their student is protected and healthy while learning more about the wide world.
Contact us today for more information on Student Travel insurance.
“International Schools”
Cigna's INTERNATIONAL SCHOOLS FINDER is one more resource we have developed to help expats in their challenge of moving and settling abroad. First of its kind – our intelligent and responsive map is especially designed for expats to search, locate and find details of thousands of international schools across the world.
https://www.cignaglobal.com/international-schools
• Search by country – anywhere in the world!• Zoom in or out of any geographical area• Add schools to your ‘shortlist’ and compare your choices’ features• Filter your results by different academic and curricular options• Find specific details for each school – website, contact details and quick facts!

#### Teladoc is hosting an emergency hotline for free telehealth
Covered California would like to share that Teladoc is now hosting an Emergency hotline for free telehealth for those affected by the CA fires - up and running. Teladoc can help if anyone needs to speak with a doctor or is missing their medications. A Plus Insurance is wishing peace and comfort to everyone affected by these tragic circumstances.
#Love #Peace #OpenEnrollment #AgentsAreTheAnswer #woolseyfire #campfire

#### Telemedicine
 
 

Ways to save on office visits for minor medical issues
Have you ever been sick and frustrated because you can’t get into your doctor?  Are you fed up with expensive copays?  Just too sick to peel yourself away from Netflix and go to Urgent Care for that Tamiflu prescription?  Then telemedicine is the perfect solution.  Enter HealthiestYou… a small way to save big on visits to the doctor for minor medical issues, all from the comfort of your home.
Visit HealthiestYou

#### The Affordable Care Act and the Unexpected Higher Costs
MedPage Today by David Pittman -
March 8, 2013
Higher-than-expected costs for the Affordable Care Act's (ACA) preexisting condition risk pool are a sign that the law will cost more than first expected, according to some lawmakers and analysts.
The Centers for Medicare and Medicaid Services (CMS) last month told states that it was suspending enrollment in the Pre-Existing Condition Insurance Plan (PCIP), a program created under the ACA to help provide health coverage to those with preexisting medical conditions before other aspects of the law take effect in 2014.
CMS said it would no longer enroll individuals because of financial constraints in the $5 billion program, even though enrollment has been lower than expected.
"This is another reminder that the costs of [the ACA] are significantly understated," seven leading Republican lawmakers, including House Speaker John Boehner (Ohio), wrote to President Obama this week. "Your administration's action will leave thousands of Americans with preexisting conditions without access to healthcare."
They suggested rerouting money from other ACA programs -- including the Prevention and Public Health Fund, aid for establishing state-based health insurance exchanges, and a program for comparative effectiveness planning -- to allow the plan to continue.
"We believe allowing those with preexisting conditions access to health insurance is another worthy reason to reprogram these funds," wrote the Republicans, which included Rep. Michael Burgess, MD (R-Texas). "In fact, there are numerous programs within ACA that receive greater levels of funding than PCIP. With your support, we could help these Americans get the care they need."
A Department of Health and Human Services (HHS) official said HHS has taken steps to continue coverage for the more than 100,000 people already in the PCIP program.
"We have made a number changes to the program to manage the program's growth and claims costs and to ensure that open enrollment could continue for as long as possible," HHS said in an emailed statement to MedPage Today. "We have balanced this approach with maintaining an appropriate level of resources to cover current enrollees and have consistently monitored the impact of these changes on program enrollment and expenditures."
When asked to elaborate on what those changes were, HHS did not respond.
Other health policy analysts had predicted the $5 billion would be far too little, outsiders said.
"What is surprising is that so few people have signed up and drained the program. The expectation was that lots more would sign up than have, but the money is gone anyway," Robert Laszewski, president of Health Policy and Strategy Associates in Alexandria, Va., told MedPage Today in an email. "The concern I have is does this mean the sick people that will come to the exchanges are going to be way more expensive than we thought they would be?"
The preexisting condition plan's woes could spell more trouble for the broader population if more healthy young people -- those still paying premiums but not using as many services -- don't sign up for health coverage when open enrollment starts later this fall, Laszewski said. Health insurance companies would need those premiums to help offset the most expensive individuals it would have to cover.
In addition to the controversy over the preexisting condition plan, there is widespread debate occurring over whether the ACA would increase costs for consumers in the form of dramatically higher premiums.
Premiums in the individual markets will increase in most states anywhere from 30% to 40% or possibly even double starting next year, according to a report released this week by the Republican staffs of three Congressional committees. It says the higher costs will mostly impact young adults and working families who won't reap the benefits of the ACA's premium subsidies to help them purchase coverage in state exchanges.
The congressional report compiled data from more than 30 studies and analyses -- mostly those written by conservative think tanks or commissioned by insurance companies -- to make its estimates.
"At a time of negative economic growth and sluggish job creation, middle class families are struggling to make ends meet," the report stated. "Higher healthcare premiums are the last thing single young adults and working families can afford."
The drivers of the cost increases are the ACA's mandate that individuals purchase health insurance, the law's essential health benefits which requires plans to cover a minimal coverage in 10 broad areas, and the bevy of new taxes and fees on insurance plans, drugs, and medical devices, according to the report.
The more liberal Urban Institute released its analysis of the health reform law's noted 3:1 ratings band. The band means that insurance companies can't charge seniors more than three times what they will charge someone in their 20s for the same coverage in the non-group market.
The report admits premiums will be higher for young adults and families, but asserts that the out-of-pocket costs are overstated. The authors point out that enrollees may be able to take advantage of expanded Medicaid coverage (if they qualify) or the ACA's premium subsidies -- a point directly disputed by this week's congressional Republican report.
"While the ACA will increase costs for young adults and families purchasing such coverage, the out-of-pocket implications of this provision have frequently been over-stated," the Urban Institute report stated.
Opponents of the ACA say the penalty for opting out of the law's mandated coverage is far less than that of paying health insurance premiums, and that many will do without coverage and take the financial hit from the penalty instead.

#### The Day After the Presidential Election....Health Care Reform News.
Obama's Reelection Ensures Affordable Care Act Will Remain.
 
Amid the Presidential election coverage, many front-page stories made mention of President Obama's healthcare policies, namely the Affordable Care Act, concluding that his reelection means the reform law is here to stay. Several outlets also devoted articles exclusively to examining how the ACA will be implemented now that the President has won a second term. All acknowledged that though the law is almost certain to remain in place

#### The Difference Between Open Enrollment and Special Enrollment
Have you been wondering what the difference is between Open Enrollment and Special Enrollment? Are you unsure as to when you can enroll in health coverage? Understanding all of the different health care terms can be confusing, but we are here to help!
Open Enrollment
Open Enrollment happens only once a year for a short period of time and allows any eligible consumer to enroll in health coverage or existing members to make changes to their current coverage. The Open Enrollment Period usually takes place from November to January. This year Open Enrollment will be shorter: 11/01/17- 12/15/17 for effective date of 01/01/18.
 
Special Enrollment

Special Enrollment happens all year long, but you must experience a qualifying life event. You can qualify for Special Enrollment if you experience certain life events, like losing other health coverage, getting married, or having a baby. However, for most qualifying life events, you only have 60 days from the date of the qualifying life event to enroll
You may enroll under a short term policies throughout the year!
You may also apply and enroll in Medi-Cal any time during the year!

#### The Employer and the Affordable Care Act
What are the Employer Shared Responsibility provisions?
 
Starting in 2014, employers employing at least a certain number of employees (generally 50 full-time employees and full-time equivalents, explained more fully below) will be subject to the Employer Shared Responsibility provisions under section 4980H of the Internal Revenue Code (added to the Code by the Affordable Care Act). Under these provisions, if these employers do not offer affordable health coverage that provides a minimum level of coverage to their full-time employees, they may be subject to an Employer Shared Responsibility payment if at least one of their full-time employees receives a premium tax credit for purchasing individual coverage on one of the new Affordable Insurance Exchanges. 
To be subject to these Employer Shared Responsibility provisions, an employer must have at least 50 full-time employees or a combination of full-time and part-time employees that is equivalent to at least 50 full-time employees (for example, 100 half-time employees equals 50 full-time employees). As defined by the statute, a full-time employee is an individual employed on average at least 30 hours per week (so half-time would be 15 hours per week).

#### The Final 2 Deadlines is Today and 01/31/16!
The third Open Enrollment of Covered California and the Private market is wrapping up!
The final two deadlines are:
1/15/2016 for a start date of 2/01/2016 and
1/31/2016 for a start date of 3/01/2016!
These dates apply to BOTH Covered California policies AND private market policy coverage. Final applications must be submitted by the end of this month to avoid penalties. Now is the time to review your current coverage!
You may be eligible for a subsidy with Covered CA or pay the full cost under a private policy but you need to act quickly.
Beyond 1/31/2016, only people with a Qualifying Event (QE), such as a marriage, divorce, relocating residence, losing employer coverage, or a pregnancy will be able to buy a new policy or make changes to an existing policy. People who qualify for Medi-Cal may enroll at any time. Small or Large Employers may review or get new group coverage throughout the year.
If you unable to enroll before the deadline, it is to your benefit to acquire a Short Term Health Insurance Policy. Such plans are available throughout the year but they are not ACA compatible plans. They do offer comprehensive coverage in case of emergency and better coverage than stay uninsured.
The RightPlan team and myself are in the process for rapping up this 3rd Open Enrollment here in CA.
~Spread the love & light ~ this is the only way, blessings from our heart to yours!

#### The Real Cost of Medical Tourism
Bloomberg.com - About 1.6 million Americans will travel overseas this year for medical procedures ranging from facelifts to heart bypass surgeries, according to the Medical Tourism Association -- a number that is expected to rise 35 percent next year. Some go because they don't have coverage in the US, or their plans don't cover certain procedures.

#### The real face of change
“The Face of Change” is not just the title of a column or a session, but an actual movement in our industry.

Although the BenefitsPRO Broker Expo has ended, the power of the event continues to have a significant impact on us all. For me the event was pivotal because of the strong sense of community. It was comforting to realize that I’m not alone on this journey of guiding clients through health care options, endeavoring to reduce the all-round costs of health care in this country and make a difference.
The energy was contagious and very special. Everyone could feel it. It was almost palpable in the air. “The Face of Change” is not just the title of a column or a session, but an actual movement in our industry. For the first time, I truly felt that change is possible and welcome beyond just the level of discussion.
There was a wealth of information at our fingertips. Highlights included sessions on technology, the political landscape, helping employers survive and thrive, social media, Alexa the broker, and fee and commissioned based practices. But dearest to my heart were the panels that represented the real face of change.
It was incredible to listen to industry rising stars like Rachel Pennington, Nolan Waterfall, Megan Chiarello, Eric Silverman, Chad Schneider and many more. The thoughtful words of Dave Chase, David Contorno, Dutch Rojas, and Kevin Trokey in closing truly resonated with me, as well. The message was clear: The business of health care is changing. You can either be part of it or get left behind. As Peter Drucker said, “The greatest danger in times of turbulence is not the turbulence—it is to act with yesterday’s logic.”
Many of the speakers suggested that the overwhelming cost of health care is killing the American dream. The cost of health care can and should be as low as possible in this, the most innovative country in the world. It is clear that we, as brokers, are the face of change and must deliver a very clear message.
Together, we can truly strive to ultimately lower the cost of healthcare. There are so many actions that we can take toward this goal, but for me, the bottom line is to change our mindsets and approaches to our personal health and that of our families. We can then effectively continue with our own community of brokers and agents; change on a large scale is indeed possible.Related: BenefitsPRO Broker Expo: 10 top takeaways
We are in an industry that sees human suffering firsthand; ours is not a healthy society. Our one-on-one experiences take us far beyond those who simply deliver healthcare to the populace. We are in this together. It takes vital moments of really listening to each other and sharing ideas to lead us to eventual success for everyone.
I strongly believe that in life, you have to lead by example. You must create and allow change to first accrue within your personal life. As brokers, change is needed in our approach to delivering health care in order to find and deliver solutions that will allow the American people to heal.
This conference was an amazing gathering of minds and spirits. It was though all of the speakers, organizers, and attendees had been handpicked. The vibration in the exhibition hall was beyond exciting. I felt truly connected to the message. If we can come together in this mission, with all of our unique styles, we can make this desperately needed change happen.
For years, I have tried to encourage my friends, coworkers, team, individual clients, and employer groups, and anyone who was interested in listening, to look beyond the western tradition of medicine. There are so many ways we can heal ourselves: mind, body, and soul are a key. Right now, we need to heal our fractured health care system.
This conference was also aligned with my vision, my mission, and my passion to lower health care costs. It is heartening to know that the leaders of this conference accept and understand what real healing is all about.
We need to take our personal health into our own hands. I am actively trying to help my community to lower costs, one person at a time. With vigilant self-care, people can heal themselves, renew their own vigor, and thrive. I call it “intelligence jealth” or the “wheel of wellness.” It allows us to make the right decision for our own health and balance our well-being. Stress is the number one cause of all chronic disease. From my heart to yours, we should all pay careful attention to the scientists who agree that simple actions like yoga and meditation practice can lower stress levels and help us heal. I have seen amazing transformations in people who have taken action to heal themselves.
This was my first BenefitsPRO Broker Expo conference and I found it simply incredible. I would like to thank you for having me and for the warmest of welcomes.
May we all believe in the change we want to see in the world — Namaste
Originally posted at https://www.benefitspro.com/2018/05/10/the-real-face-of-change/

#### The Ultimate Cheat Sheet On Health Reform for Small Businesses
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.


 
1. As a Small Business, Do I Have to Offer Employees' Health Insurance?
No.
Health reform "requires" that only larger companies (with 50+ FTE employees) offer health insurance to employees. And even these deadlines have been delayed.

If larger companies do not offer affordable, minimum coverage health insurance then they may have to pay a penalty. This is often called the "employer mandate" or "employer shared responsibility fee". Here's the phase in schedule by company size:Small business (fewer than 50 FTE employees): Not subject to employer mandate.Mid-size businesses (50 - 99 FTE employees): The employer mandate (and employer shared responsibility fees) start in 2016.Large businesses (100 + FTE employees): The employer mandate (and employer shared responsibility fees) start in 2015.

Read more about whether your small business has to provide health insurance here.
2. Are There Any New Small Business Health Insurance Options?
Yes. There are two new options for small business health insurance.

First, as part of health reform's new insurance exchanges ("marketplaces"), there is an option for small businesses called the SHOP Exchange. This is a new way small businesses with fewer than 50 employees (or fewer than 100 in some states) can purchase a group health insurance plan. If your business has fewer than 25 employees and meets other requirements, you may be able to access the small business tax credits. But, if your small business hasn't been able to afford group health insurance in the past, the SHOP doesn't do much to lower the cost.
The second and more popular new option for small businesses is to offer a pure defined contribution health plan, where small businesses give employees a healthcare allowance instead of purchasing a group health plan. Employees use their healthcare allowance to purchase an individual health plan of their choice, and those eligible can access the individual health insurance tax credits.
Most small businesses are skipping the SHOP Exchange in favor of defined contribution because of the cost savings, and to give employees access to the individual health insurance tax credits (discussed in #3 below).

3. Do Employees Have to Buy Insurance?
Yes, or pay a tax penalty (aka the "individual mandate" or "individual shared responsibility payment").
Health reform law requires that most Americans be enrolled in health insurance by March 31, 2014. To avoid the individual mandate penalty employees can be covered by health insurance through work, a government program like Medicare or Medicaid, or by a health plan they purchase on their own.
Those who remain uninsured will pay a penalty starting in 2014 of $95 or 1% of household income, whichever is greater. By 2016, the penalty rises to $695 per individual or 2.5% of household income, whichever is greater. Read more about what happens if you don't buy health insurance here.
To help individuals buy health insurance, there are new health insurance discounts for eligible Americans. The discounts (individual health insurance tax credits and cost-sharing subsidies) started January 1, 2014.
To be eligible, individuals cannot be offered health insurance through an employer or other government program, and must meet certain income requirements (make less than about $45,900 in 2013 for a single individual). For those who are eligible, the discounts offer significant savings on health insurance premiums.
See this health insurance tax credits cheat sheet.
4. Are There New Health Benefits Reporting Requirements for Small Businesses?
Yes. Even though small businesses are exempt from the employer mandate, there are new reporting requirements that may (or may not) apply.
New W-2 Reporting: Beginning with the 2012 tax year, employers with 250 or more W-2 Form Employees must report the aggregate cost of employer-sponsored group health coverage on employees’ W-2 Forms.
PCORI/CER Plan Fees: The Patient-Centered Outcomes Research Institute (PCORI) fees - also called comparative effectiveness research fees or CER plan fees - are required for businesses with self-funded (or self-insured) plans, including a Healthcare Reimbursement Plan (HRP). These fees are due July 31st of each year.
High-Earner Medicare Payroll Taxes: As of 2013, employees earning more than $200,000 a year ($250,000 for joint filers) must pay higher Medicare hospital insurance (HI) taxes beginning in 2013. The new tax is 2.35% (an increase of 0.9%) of applicable wages above those thresholds, so a worker earning $300,000 a year will pay HI taxes of 1.45% on $200,000 plus 2.35% on $100,000. There is no change to the employer’s share of the HI tax. Click here to read more about how businesses need to adjust payroll for these employees.
Lastly, if your small business currently offers health benefits, there may be additional reporting or plan compliance considerations for 2014 and beyond. Check out this comprehensive health care reform compliance checklist.
Original text: http://www.zanebenefits.com/blog/the-ultimate-cheat-sheet-on-health-reform-for-small-businesses

#### This Week in Health Care Reform
How A Defined Contribution Plan Can Lower Business Benefit CostsFrom:  Real health Care Reform
If you are a business owner, you have plenty to do simply running your business.  Do you also have to be in the health insurance business?  With ObamaCare requirements, it is going to become increasingly expensive to provide group health insurance coverage.  One strategy many business owners are taking is setting up Defined Contribution Plans. Defined contribution plans can be set up with a Health Reimbursement Arrangement, or HRA.  This allows your business to reimburse employees for their health insurance or other medical expenses, as a tax-free fringe benefit.  A health reimbursement arrangement (HRA) can provide employees with a monthly allowance with which they can buy coverage through a state health insurance exchange.  An HRA can act as a business expense account specifically for health care. The biggest hurdle involves HIPAA privacy obligations for dealing with personally-identifiable health information (PHI).  These obligations apply to employers offering HRAs, which are basically self-insured health plans.  And, failure to comply with HIPAA can subject a company to up to $100 per violation in civil penalties. To avoid that, have medical expenses substantiated by a third-party.  Substantiation must confirm that the expenses have a medical basis, which means dealing with the specifics that get into the realm of privacy violations. Thus, your business must have written PHI privacy procedures and must also appoint a privacy officer.  That officer needs to set up how employees can file complaints and a process for responding to complaints.  It’s that officer who will be responsible for ensuring PHI is kept separate from decisions about benefits and employment. With that handled, your business can use an HRA to reimburse employees for dental and health care on a 100-percent tax-free basis.  That includes the cost of health insurance premiums.  When an HRA meets three requirements, the HRA money employees receive is deductible for the business and it’s excluded from gross income for employees. Here are those requirements: 1.    A medical connection must exist.2.    Employee expenses must be substantiated.3.    Employees must return amounts they receive that exceed actual expenses. The steps to set up an HRA are straightforward: 1.    Choose an administrator.2.    Setup the plan by specifying what makes employees eligible, how reimbursement works, and a monthly allowance.3.    Then, provide HRA documents to employees and enroll them. Having employees selecting their own policy greatly reduces administrative overhead, as does having third-party oversight.  HIPAA-compliant claims officers can substantiate and process employee requests for reimbursement up to the HRA balance.  Once the initial set-up work is finished, the business can maintain the HRA with a minimum of time to free up HR for other work.

#### Tips & Tools to Start Your Meditation & Yoga Practice
URL: https://rightplan.com/tips-tools-to-start-your-meditation-yoga-practice/

#### Too Bad That My Prediction is Coming True.
Health Insurance Premiums Rise Nationwide. NBC Nightly News (1/8, story 7, 2:20, Williams) reported, "Now to an unwelcome surprise for millions of Americans this new year, health insurance premiums that are causing sticker shock, double-digit increases in some places, suddenly a whole lot of families are watching this happen in the era of the so-called Affordable Care Act, better known as Obamacare." NBC (Myers) added, "Some insurance companies in California including Anthem Blue Cross, Aetna and Blue Shield of California are proposing rate increases of 20% or more for some individual customers. ... And it's not just California. In Florida and Ohio, insurers have instituted double-digit rate increases. New York, which unlike California has power to roll back rates, has generally held increases below 10%. Overall, medical costs are projected to rise only 7.5% this year, so some experts are puzzled by the double-digit premium increases, and question whether it has something to do with the Obamacare law, which will bring big changes next year."

#### Top Five Reasons to Grow Your Business With L.A. Care Covered
1. Opportunity for Growth
L.A. Care Covered is ranked as the second most affordable plan throughout Los Angeles County for the 2017 Open Enrollment Period.The Covered California trend has demonstrated that existing enrollees like both coverage and lower pricing. In Los Angeles County, approximately 70% of the overall enrollment is within the silver plans. Therefore, making the L.A. Care Covered Silver and the Silver Enhance Plans a top choice for consumers is a priority this year.
 
2. Provider Network Expansion
L.A. Care continues to grow its network to expand the number of doctors, hospitals and medical groups within its provider network. Since 2013, it has more than doubled the number hospitals and expanded its contracts with medical groups, which includes Health Care Partners. L.A. Care has also exponentially increased the number of primary care physicians and specialists in its network.The impressive list of available L.A. Care Covered hospitals includes some of the highest-quality, top-ranked institutions in the area, including:
• Children’s Hospital Los Angeles• Alhambra Hospital Medical Center• Centinela Hospital Medical Center• Glendale Adventist Medical Center• Huntington Hospital• Methodist Hospital of Southern California• Providence Holy Cross Medical Center• San Gabriel Valley Medical Center and more
3. Angelenos Helping Angelenos
As the largest publicly operated plan in the United States with over 2 million members throughout Los Angeles County, L.A. Care Health Plan (L.A. Care) is the only health care plan that focuses exclusively on Los Angeles County. L.A. Care provides a localized customer service center for the agent community that is committed to the agent needs and satisfaction.
4. My Health In MotionProgram
L.A. Care will reward your L.A. Care Covered members for taking the right steps to improve their health! By participating in L.A. Care’s My Health In Motion Program and successfully completing their health appraisal survey, health coaching plan, tobacco cessations workshop (if a smoker), and healthy weight workshop, L.A. Care Covered members can earn up to 215 points (1 point = $1 in gift cards). These points can be redeemed for gift cards to more than 100 retail outlets.
5. Community Presence
L.A. Care Family Resource Centers offer a vibrant space for the community members to come together and learn skills for a healthy life. They offer free health education and exercise classes that are open to everyone.L.A. Care Health Plan members can get one-on-one help to learn more about the following:• Member orientation• Choosing a doctor• Making an appointment

#### Travel Insurance
Special Note:  We understand that you are concerned about the coronavirus outbreak and may want to cancel a future trip. If you are searching for cancellation benefits, we recommend a Cancel for Any Reason policy, as the outbreak is a known event and is excluded by standard Trip Cancellation policies. Stay Healthy #COVID19
Journey well and often
Congratulations on your upcoming trip!  Let’s make sure you can really truly relax and know that you and your trip are protected. We can help you find coverage for your needs:
Trip Protection protects you from losing out in the event of a cancellation, interruption, sickness, or injury. Anything can happen, let’s make sure you don’t miss out on the money or the fun or both!  HTH offers three levels of coverage.  When you have your dates locked in, give us a call and we’ll find out which works best for you.  Available for US Citizens only.
Short Term Travel Insurance - Depending on your needs and your length of travel, we can ensure you are medically and financially protected when outside of the US.  These policies have add-ons to protect you more, or you can go for something more basic. 
Over 65 - Remember… Medicare doesn’t cover you outside of the US, so be sure to do your homework before heading out. 
Long Term Travel Insurance is for those with dual citizenship living in the US for a longer period who may not be eligible for regular health insurance. The American insurance industry is complicated and rated among the most expensive in the world.  Make sure you’re protecting your finances and your health during your stay in the US. 
 
 

#### Travel Insurance - Travel with a Piece of Mind
While traveling outside the U.S. with your family during the holidays, remember to get medical travel insurance!  Travel with a "Peace of Mind". When traveling abroad with your family, the last thing you want to worry about is how would you be protected if something unfortunate were to happen to you. HTH Worldwide Travel Medical Insurance is the best solution that is also very affordable.
As a member, you will have access to wonderful physicians in more than 180 countries. Your are also able to see any health care provider of your choice. The plan also covers: office visits, prescription drugs, hospital care, surgery and more.

#### Travel Insurance for Dual Citizens
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#### Trip Protection Information
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#### Under Obama Plan, Wealthy Would Pay More For Medicare.
McClatchy   (4/26, Gibson) reports that the President's budget would expand the number of Americans who are required to pay more for Medicare due to their higher income levels. Healthcare analysts say the plan, if approved, "would gradually squeeze more and more middle-class households as their incomes rise." McClatchy notes that the President has proposed other charges, including $100 co-pays for every 60 days of service for patients receiving home healthcare and an additional $25-per-year deductible for Part B for new Medicare enrollees. The proposals are part of an effort by Obama and Congress to "rein in spending on 'entitlement' programs.

#### Unity in Healthcare 2017
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#### Unleashing the Potential of Global Healthcare: A Journey of Discovery
Reading time: 3 mins
This article is dedicated to YOU, yes, you all, especially my fellow healthcare professionals and advocates, with a special shout-out to my esteemed colleagues in the health insurance industry. Your unwavering dedication to addressing the soaring healthcare costs in the United States and revolutionizing our healthcare system is commendable.
India holds a special place in my heart, and I am often asked why this extraordinary land inspires me so much. After what felt like an eternity of waiting due to the pandemic, I recently embarked on a long-awaited trip to India, and it was nothing short of magical. 
During my visit, I had the privilege of spending four incredible days in the vibrant city of Mumbai as a speaker at the prestigious, transformative @moneyexpoindia2023 conference. The energy and enthusiasm of the attendees was contagious, and they reminded me of the limitless possibilities that lie within the inspiring world of finance. 
Following my time in Mumbai, I embarked on a soul-nourishing self-retreat at the Fazlani Natural Nest among the breathtaking mountains that gracefully connect Mumbai and Pune. Surrounded by nature's beauty, I found peace and serenity, allowing me to reflect and reconnect with myself. 
One of the highlights of my trip was the simple joy of sitting down with a cup of my morning coffee and reading the daily newspaper. In a delightful twist of fate, an article in the #TimesofMumbai caught my attention, reminding me of the power of global collaboration and sharing in healthcare. It reinforced the notion that we can find common ground and create a more inclusive world by remaining open and receptive to different perspectives. 
Imagine my delight when an article titled: “Experts ask why docs reluctant to prescribe generic medicine’ gently reminded me that we can form a meeting point by embracing and learning from diverse healthcare practices worldwide. It is a timely reminder to look to those who have achieved commendable milestones in providing affordable healthcare access. Witnessing how health services can be streamlined and forced without compromising the quality of care was a revelation. 
In April 2017, the government of Maharashtra announced a new rule in Mumbai stating that all doctors must prescribe generic drugs to their patients or face penalties. This rule aims to make healthcare more affordable and accessible for the citizens of Mumbai. Under this rule, doctors are required to write prescriptions using generic names instead of brand names. Generic drugs have the same composition, dosage, safety, and effectiveness as their brand-name counterparts but are usually cheaper. 
The government believes that promoting the use of generic drugs will help reduce patient healthcare costs and alleviate the burden on the healthcare system. Generic medicines are significantly cheaper than brand-name drugs. Additionally, this rule encourages transparency by removing the influence of pharmaceutical companies in medication prescriptions. Doctors who fail to comply with this rule may face penalties and potential suspension of their medical licenses. However, some doctors have raised concerns about the quality and availability of generic drugs and how it may affect their income. 
Even though the rule has generated mixed reactions among doctors, some support the move to provide affordable healthcare that is cost-effective and accessible. In contrast, others argue it restricts their professional autonomy and discretion in prescribing medication. 
I am by no means suggesting a one-size-fits-all approach. Instead, I propose a paradigm shift in which we explore, integrate, and merge the strengths of various healthcare systems. By venturing beyond our borders, we hold the key to transforming the very essence of this game and laying the groundwork for a future where affordable, high-quality healthcare is accessible to all. 
The U.S. is a private, market-based model emphasizing specialized services, but administrative expenses drive up costs. ? Insurance plays a central role, as well as providers and the complicated public approach to health. 
We can explore and create a vibrant tapestry that embraces compassion, professionalism, and enthusiasm in care, which is the modern way to heal and fix our healthcare system. Further,  employers must have their share of understanding on how to emphasize and choose the most influential care for health. Let us rise above borders and forge a unified path towards a healthier world.
With heartfelt appreciation and unwavering commitment,
Yours, on the journey, Naama

#### US Mental Healthcare Examined
Newtown Tragedy Provides Impetus To Examine US Mental Healthcare.
 
NBC Nightly News (12/17, story 5, 1:25, Williams) reported, "This tragedy in Newtown, Connecticut has already ignited a national conversation about guns, as we have just seen." However, mental illness has been a "component...in all the serious gun crimes we have covered. One in 17 Americans lives with a serious mental illness, that's according to the government, and their symptoms range in severity, of course. But fewer than a third of them receive treatment." Chief medical editor Nancy Snyderman, MD, explained, "Less than 10% of our healthcare dollars are spent on mental healthcare." While well-to-do people can pay for care and the poor may get some care through Medicaid, other people fall through the cracks.
Lawmakers Call For Conversation On Mental Health Issues. CQ    (12/18, Attias, Subscription Publication) reports, "Lawmakers in both chambers are calling for Congress to start a conversation about mental health issues in the wake of last week's deadly shooting at a Connecticut elementary school, with one goal of ensuring adequate funding for services for those who need treatment." Even though "much of the discussion since last week's shooting has focused on gun policy, several members are also emphasizing the role mental illness has played in many national tragedies." But, "beyond a broader policy push, the shooting in Connecticut could also make it more difficult for Congress to allow spending reductions for mental health services as part of the fiscal cliff, deficit reduction efforts or the appropriations process next year."

#### US Resident Travel Insurance
GeoBlue provides members with the information they need to be well, live well, and travel well. Travel Well is available through the Wellness section of the Member Services area on geobluetravelinsurance.com. It includes healthy travel topics and wellness recommendations, including country-specific profiles of how to manage your diet and choose the most nutritious foods.
Travel Well is designed to help mats stay up-to-date with international trends and news and face unique challenges:

Language barriers
Cultural differences
Healthy local cuisine

Topics include:

Food & Nutrition Profiles
Healthy eating abroad
Travel news and alerts
Diet and fitness content

Questions? Contact us today. 
International Health Insurance
 
From lost baggage to an emergency medical situation....Travel Insurance will give you peace of mind. There are a variety of options, based on your trip and needs.
 
Travel Insurance from GeoBlue and HTH Worldwide Travel Medical Insurance
A+ Plus Insurance Service is proud to offer HTH Worldwide Travel Medical Insurance! We insure All U. S. Residents!!
When traveling abroad, the last thing you want to worry about is how would you be protected if something unfortunate were to happen to you.  HTH Worldwide Travel Medical Insurance is the best solution that is also very affordable.
As a member, you will have access to wonderful physicians in more than 180 countries.  Your are  also able to see any health care provider of your choice.  The plan also covers: office visits, prescription drugs, hospital care, surgery and more. 
Seniors and Travel Insurance
It is no "hidden fact" that regarding travel insurance, Seniors have to be extra cautious to select the best plan that is capable of offering full coverage while they are away from their hometown and home country. Unfortunately, Medicare DOES NOT cover the Senior outside the U.S. Head over to our 65+ Travel Insurance page for more information.
Our staff at A+ Plus Insurance Service will be more than happy to help you determine which plan best fits your needs and your budget.
Remember....we insure ALL U.S. RESIDENTS!
Still think you don't need travel insurance?  
Take a look at the following case study and decide for yourself.    

Worry Free Travel with TravelGap
Worry Free Travel with Travel Gap Multi-Trip
Renewable, Portable Coverage with Global Citizen
Protect Your Investment with Trip Protector

 
 

#### Voices of the 21st Century
So excited to share the new book that Naama is a part of "Voices of the 21st Century!" She has contributed a chapter, titled "Medicate or Meditate: Mindful Leaders in the Current Meta Hybrid Workplace," which looks at the benefits of a holistic approach to healthcare, incorporating meditation and mindfulness at all levels of the organization. For more information: https://voicesofthe21stcenturybook.com/

#### Washington Visit: Capitol Conference 2016: Leading The Way to Healthcare Stability
Congressman Tony Cardenas representing 29th District of California meeting With Naama O. Pozniak , NAHU current President: Don Goldman and Chad Schneider, chief sales officer of Code SixFour.
As an agent and broker in my community I look forward to help and support the future of the Healthcare industry.
To make the healthcare insurance market more efficient and more responsive to the constant changing environment, I believe some changes need to be made to ensure access, choice and affordability.
As part of being a NAHU member we all got together to make sure that the following top federal priorities policy be more responsive to American employers and individual health consumers:

To increase choice of Health Plans, we should make sure that consumers will always have the ability and to access licensed benefit professionals.
Employer Reporting H.R. 2712 and S.1996 to address new challenges related to counting employees and complying with employer reporting requirements.
Small Business Tax Credit : H.R. 762 and S.379 to increase the effectiveness and structure of the small business tax credits.
To address affordability ~ Repeal Cadillac/Excise Tax : H.R. 879, H.R. 2050, S.2045, and S.2075, to permanently repeal the "Cadillac Tax."

 
 

Congresswoman Mimi Walters representing the 45th District of California with Naama O. Pozniak
 
 

Kevin Counihan, CEO of Healthcare.gov in conversation with Brokers and Insurance agents.
Kevin explored the complications, improvements and future upcoming renewals. Regulating the enrollment process and pre-planning renewals, stability and functionality will be few of the key elements for the upcoming 2017 4th Open Enrollment.
 
 

#### We can’t let it win us! #Food Of Thoughts
According to the National Breast Cancer Foundation, one in eight women are diagnosed with breast cancer. This type of cancer is the most common form among women. Sharing knowledge is crucial with this subject as we can all try to take our health in our own hands. We simply are what we eat and there are several plant-based foods that we should add to our diet as part of preventing cancer.
Being behind the healthcare scene for so many years, I have noticed that cancer is truly an epidemic disease. Further, I have seen the disease start in the form of a breast cancer and eventually spread into other parts of the body for people. As stated before, it is important to stay health conscious. This starts by eliminating sugar and adding foods such as kale, berries, tomatoes, broccoli, beans to our diet, and drink green tea. As we listen to the stories of cancer survivors and awareness supporters, it is evident that there is room for change. You don’t have to be diagnosed in order to change your lifestyle. I would like to encourage us all that this month will mark the beginning of prevention that will allow us to heal and survive. Beyond just wearing pink, let's share life-changing knowledge about this disease and eventually prevent it.
#Food #Stress #Love #Cancerawareness #Health #Diet #Greens #Kale #prevent #BreastCanswer #1in8 #October #Pink #ThinkPink #support #survive #live #healthinsurance #prevention #knowledge #change #now

#### We Prepare, Protect and Assist World Travelers
With a growing number of travelers and expatriates becoming aware of the need for international medical insurance and of the options available – given a choice, customers value more than global medical benefits; Our resources give travelers the medical intelligence, tools and 24/7 assistance to travel safely.
 
FEATURED PLANS:
Expatriate Plans: Long-Term Coverage // Global Living GeoBlue Xplorer - Primary Health insurance for expat life. Unlimited medical maximum, evacuation, preventive care, pre-existing conditions covered with creditable coverage and morePremier: Worldwide coverage, including the U.S.Essential: Worldwide coverage, excluding the U.S., offers 50% savingsSelect: Worldwide coverage; excluding U.S., abbreviated underwritingGeoBlue Navigator - A customized version of GeoBlue Xplorer geared for the needs of missionaries, professional yacht crew members and students or faculty.   Peace of mind for the globally mobile From doctor visits to hospitalization to evacuation, clients are coveredPreferred access to elite doctors and hospitals ensures quality careDirect claims settlement, so care is both cashless and convenientNo pre-certification penalties and terrorism is coveredPre-existing condition coverage is available in most instancesHealth and security tools and news alerts cover hundreds of destinations
 
Reminder
Effective July 1, 2017, expatriate health plans had a standard rate increase.
Learn more at or Expat Info page, Travel Insurance page,  or click here to get a real time quote.

#### What is Health Insurance?
Health insurance is an option for making health care more affordable for you and your family. Purchasing health insurance for you and your dependents will make it easier for you to get proper health care when you need it, because your insurance will help defray the cost.
Group or Individual
Health insurance is available through two types of plans, Group Plans and Individual Plans. A group plan and individual plan may provide identical coverage. The difference is in the way the two types are accessed. Group Plans are offered through an employer or association; individual plans are purchased independent of any affiliation.
Although most group policies are suited to the average person, often with provisions to cover family members, group policy premiums usually cost less than premiums for individual plans.
Choosing Health Coverage
Consider the following features when comparing health care coverage.
How much will you pay out-of-pocket?
Deductible: This is the initial dollar amount you must pay before your insurance company begins paying for health services. Usually, the higher the deductible, the lower your premium. However, do not choose a deductible so high that you cannot afford to pay it. The contract will dictate the specific amount you pay per year for your family. You must pay a deductible each year, which will vary depending on the number of people covered by the policy.
Coinsurance: Coinsurance is the share or percentage of covered expenses you must pay in addition to the deductible. For example, your policy may pay 80 percent of covered charges after you pay the deductible. You would then pay the remaining 20 percent as coinsurance.
Copayment: A copayment is a specified dollar amount you pay, as a subscriber to a managed care plan, for covered health care services. It is paid to the medical provider at the time the services are rendered.
Premium: The monthly or annual amount you will pay for your insurance policy.
Coordination of Benefits Provision: Even if you have more than one group policy, you cannot receive more benefits than your actual hospital and medical expenses.
Even if a husband and wife each have family coverage under separate group policies, they cannot collect on the same claim twice, even if they have paid two premiums.
Renewal and Premium Increase Provisions: These provisions determine the conditions under which you lose your eligibility, without a medical exam to prove you are in good health.
 
Questions and Answers about Premiums
Q. Why do companies raise premiums?
A. Insurance companies raise premiums when the cost of claims they must pay increases at a faster rate than expected. One main cause of premium increases is medical cost inflation, which measures how much more a particular procedure costs each year.
Medical Utilization, or the number of times doctors perform a procedure each year, can also cause premiums to increase.
Cost Shifting is also responsible for an increase in premiums. Cost shifting occurs when hospitals charge paying patients more money for their stay in the hospital. This offsets their cost of caring for non-paying or indigent patients.
New technologies and medical malpractice claims also increase the cost of health insurance.
 
Q. What do your premiums pay for?
A. Premiums help pay policyholders' claims, and other expenses, such as producers' commissions, premium taxes, and administrative expenses.
 
Q. How are premiums determined?
A. An insurance company considers many factors when setting premiums. Some of these include:

Medical care costs
Coverage
Age of policyholder when policy is issued
Current age
Health
Habits (such as smoking)
Geographic area
Waivers (a waiver of premium if you choose this option, you would pay more each month in premiums. In return, if you became sick and could not pay your premium, the company would pay it.

 
(From: ALDOI Explanation of Health Insurance)

#### What is Supplemental Insurance?
Accident Policies - Regular medical insurance won’t cover all the expenses that result from injury—at the very least, you will likely owe a deductible and copays—and accident insurance can help fill in those coverage gaps as you pay out-of-pocket medical bills. Critical Illness and Cancer Policies - Critical illness insurance provides coverage for acute illnesses that can be financially catastrophic.
Hospital Confinement Policies - Hospital Indemnity Insurance plans (sometimes called “bridge”) pay a set amount if you’re confined in a hospital. The plan can pay benefits based on per confinement, per day, per week or per month. Some plans can pay for outpatient benefits as well.These plans are different from the major medical insurance since these plans pay regardless if the hospital is in the network and these plans pay the policy holder directly, NOT the provider.
Telemedicine Plans - As costs of co-pays increase and technology becomes more accommodating telemedicine is becoming more and more prevalent. Telemedicine is the use of telecommunication and information technologies in order to provide clinical health care at a distance. As we all know many of us will put off seeing a doctor because we don’t want to take the time off work or are unable to fit an appointment in. Telemedicine is a solution that not only saves on the copay, but also saves time and effort of getting to the doctor. Many times even prescriptions can be handled with this alternative. Short Term (Long Term) Disability - The purpose of short-term disability insurance is to protect your income during short periods of disability. The benefits paid under short-term disability are usually for terms of 3 months up to 1 or 2 years. If you are disabled, short-term disability will provide you with weekly or monthly payments of either a fixed amount or a set percentage of your regular income thus providing income replacement when you are disabled for a limited time.

#### What medical coverage your clients have abroad?
We've all been there. Your client calls in a frenzy demanding to know what medical coverage, if any, he has for an upcoming trip abroad.
  
You've gotten this question before but you pause to answer. It's a complicated grey area because unlike the Affordable Care Act, there are almost no benefit standards attached to covering members overseas. The 10 Essential Health Benefits essentially go out the window once your client departs the United States.
The level of coverage and access to networks overseas varies among group, individual and government plans. And they vary markedly among insurance carriers. Further compounding the issue, length of travel and low lifetime limits can be a factor, particularly for Medicare supplemental policies.
 
So how do you provide a black and white answer in this grey area?
Practically speaking, U.S. domestic health insurers typically provide scant international medical coverage for globally mobile members. Plans customarily contract from comprehensive coverage to catastrophic only. Americans abroad often find themselves underinsured or not insured at all (e.g. your client moved to France and she is now no longer living, working or studying in the plan service area). Additionally, members can be left to their own devices to find medical professionals. Without access to vetted international providers, members relying on their domestic health insurance often have a poor patient experience due to limited understanding of the physician's accreditation and training, payment preferences or even what to expect upon arrival.
Domestic carriers are not all the same.
Blue Cross Blue Shield plans offer a suite of international health insurance solutions designed to meet the needs of globally mobile individuals worldwide. Most Blue Cross Blue Shield plans embed a free program called Blue Cross Blue Shield Core, formerly referred to as Bluecard Worldwide, which provides basic coverage and assistance.
In even better news, GeoBlue offers affordable extended coverage through travel health products that offer enhanced benefits, support, security and convenience for anyone planning trips abroad or living outside of the U.S. for an extended period. GeoBlue plans bridge coverage gaps and are engineered for international traveler needs. Your customers will receive concierge-level service to help them navigate different health systems across the globe.

#### Where In The World Is NAHU
Last summer, America’s Benefit Specialist Magazine published my article on my trip to India right before the pandemic lockdown. In the year since that trip, I have reflected often on how the discipline and introspection I practiced during my weeklong stay at an Ayurvedic retreat in Goa helped me cope with my personal health, social distancing, and isolation we have all been experiencing this past year. 
I share the full article below, and invite you to reflect on what disciplines have you created during the ‘new now’ to protect and guide your mental, physical and spiritual health?



So much has happened in the last year to shape our world. Last January, while I was in the lounge in Washington State waiting for my flight to Mumbai, my son called me from Israel, sobbing that Kobe Bryant’s helicopter had crashed. It was a serious loss that, as he put it, “would change Los Angeles forever.” Within moments of ending that call, my daughter was on the line, with the same heartbreaking news. My trip to India could not have started on a more devastating note.
            If this wasn’t enough, we in the West began to receive news of a new and terrible virus that was wreaking havoc in China. Many years ago, a disease in a Chinese town would have stayed in a Chinese town, but today with our modern travel capabilities, the virulent virus was given wings to soar around the world, leaving a trail of tears and destruction.
            By the time I landed in Mumbai, I realized I just couldn’t keep my original, complicated itinerary. I was suffering emotionally and felt the need to mourn and heal. With this kind of angst literally at my fingertips, it would have been easy to settle into a state of despair, but that is exactly what I knew I must avoid.
            I canceled all my planned domestic flights and headed to beautiful Goa on the Arabian Sea. I spent a week on Goa’s incredible beaches at L’more, and then moved to a mountain Ayurveda retreat center, Mercure Goa Devaaya Retreat, on magical Divar Island, just off the coast of Goa. My time spent at Mercure, affected me in such a profound and special way. 
            Everything comes back to health. Without good health, nothing is possible. Today, healthcare is in a constant state of change. What we know for sure is that now is the time to tap into our own invincible energy. It’s time to learn of the many possibilities to heal ourselves and allow healing to happen worldwide. 
            The key to it all is knowledge. As the leaders in the healthcare industry, we need to understand that a physical and spiritual healing of the body, mind, and spirit is indeed possible, and that we all have access to the necessary tools.  Transformation is achievable if we allow peace and harmony and positive thinking to infuse our souls and lower our crippling stress levels.
            I am so happy to share my Indian experience here with you all. The Devaaya Retreat is a place where physical, mental, emotional, and spiritual healing is available on an individualized level.  Ayurvedic Medicine, which originated in prehistoric times, began as a healing that aligned the transmission of medical knowledge from the Gods to the sages to the doctors and finally, the general population. Right from the start, the emphasis was on balance and happiness. Ayu – life Veda – science:  the connection to whom we really are from within.
            The eight days I spent at The Devaaya Retreat weren’t always easy. It was a challenging program that taught me on many levels. My mornings started with yogic kriya, which is a deep cleansing of all senses, followed by a yoga practice and a nutritious breakfast.
            I had a twice-daily consultation with a doctor, body therapy sessions, various talks, meditations, and social interactions. The schedule was demanding and yet the teachings of Ayurveda, Naturopathy, and yoga allowed me to create a deep sense of balance and healing.
            This program was perfect for me because my greatest dream is to combine the teachings of Eastern medicine with the science of modern Western medicine. The two go hand-in-hand. Ayurveda is literally the science of life.  If we unite the physical practice of meditation and yoga with inner understanding, we will connect to who we really are and have the ability to truly thrive.
            A few Ayurvedic philosophies that can lower stress and guide our personal decisions are:
*  Eating only when hungry, not overeating, and indulging in smaller portions.
*  A bounty of spices like turmeric and chili are recommended, as are hot foods and drinks.
*  The healthy practice of gargling with warm salt water, every morning and night.
*  Consume less alcohol and caffeine.
*  Most importantly of all, create a daily practice of yoga, meditation, conscious breathing, and relaxation.
            I must admit this experience unconsciously was an incredible preparation for me to deal with the global virus and the fallout from the pandemic. Practicing social distancing is our new reality and we are all learning new ways of being, interacting, evolving, managing, creating, and sharing in this brave new world. While travel to India likely won’t be on the top of your list when we are finally able to resume flying, I anticipate creating a group so you all may join me on a transformational journey to India in the near future.
            Love and compassion should always be our strength and are vital to the future of healthcare and humanity. We are all on this ride together.
Much love to you all. May all beings be healthy and free.
Stay safe, secure, and happy ~
-Namaste, Naama~

#### Where Will Your State Fit into Health Care Reform?
Provisions of the Affordable Care Act require health insurance in all states to cover at least ten broad categories of health care. Doctor appointments, maternity care, and prescription drugs are among required benefits. In addition, state officials must use an existing health plan as a template upon which to base standard coverage
The packages being selected by state officials look pretty similar for standard doctor and hospital care, but a lot of variety is appearing when it comes to what’s often referred to as alternative treatments. As you can imagine, a multitude of special interests are lobbying to make sure that their preferred treatment be part of the mandated coverage. The more successful they are, the more expensive coverage will be.
For instance, an advisory board for the Virginia health insurance exchange wants to include chiropractic services and speech therapy in mandated coverage. In California, the legislature agreed to include acupuncture as an essential health benefit, while other states, like Oregon, have already ruled out including acupuncture, chiropractic services and fertility treatment.
Oregon officials have also excluded bariatric surgery and other stomach-reduction procedures. Instead, they want to focus on preventing obesity. Coverage for mental health services is likewise less than uniform among the states
In some states, there remains. disagreement over whether to define a benchmark policy at all. The alternative is to rely on the federal government. In that case, the benchmark will default to match the largest small-group plan offered in the state.
What will happen if state officials try to set a benchmark that fails to meet federal requirements? We’ll have to see how that turns out because Utah officials have already upset advocacy groups by defying one federal mandate. They’ve approved a policy without coverage for substance abuse treatment, which is at odds with federal requirements. Advocacy groups are also alarmed because beginning dental coverage at age three may not be in line with federal requirements to cover pediatric dental care.
There are going to be a lot a “growing pains” between now and next October when the state exchanges are scheduled to be available over the Internet. We’ll follow the news to keep you informed about what’s happening in your state and what it may mean for your future health care.
 
From: Real Health Care Reform

#### Why Do Seniors Need Travel Health Insurance?
A simple but little-known fact is that most existing health insurance benefits shrink or disappear when travelers cross the U.S. border. Except for very limited circumstances, Medicare provides no protection overseas and Medicare supplemental plans provide limited foreign travel emergency benefit. Critically, most policies do not pay to get you to a high standard of care should you need to be evacuated due to a medical emergency. 
What Will a Good Travel Health Policy Do?
Travel health insurance policies are designed to cover your medical expenses when you travel abroad. If you are covered under Medicare, these plans act as your primary insurance while abroad. Travel health insurance also fills critical gaps when taking Medicare supplemental plans overseas. The best designed plans offer more than emergency benefits. They cover everything from hospitalization and surgery to physician office visits, ambulance services and prescription medications. Premium plans cover sickness or injury resulting from common pre-existing medical conditions or a terrorist event without limitations. Some policies even pay medical providers overseas on a direct basis so you can avoid the paperwork hassles that come with filing a claim.  ***Please note: Individual Open Enrollment starts November 1st to enroll effective January 1, 2018. Contact our office to for details!!

#### Women in Business Fashion Show
Blessings,
It is an honor to share with you how special it was for me to be part of last year’s Women in Business Fashion Show. I feel truly blessed to have been a part of LAAHU as a member and to serve on LAAHU incredible Board for so many years.
Serving on the LAAHU board encompasses many important responsibilities, including assuming a position of leadership, working with members, and speaking out on behalf of our organization. I didn’t fully understand the true impact of this fashion show until we actually brought the event back for another year.  So many beautiful industry colleagues and partners came together in collaboration to recreate this important event.
The day was very special. Indeed, love was in the air! It was incredible to see the industry come together to celebrate the gift of women in business and to support the charity. The food was top-notch and the service was impeccable, as The Four Seasons hosted us in a day filled with special moments. The celebration should remind us as women not to take our positions for granted and that we should feel encouraged as our important roles continue to evolve in this industry.
The fashion show was not only about the money that we raised for our charity. It was about bringing forth an energy of love and hope to the men and women in attendance. Ours is an industry that experiences constant challenges. We ourselves are challenged every day as we do our best to guide our friends, family, and clients through this fractured healthcare system; always seeking to find the best solutions to the many needs presented to us on a daily basis.
The beauty of giving back and having the opportunity to share our hearts and souls with one another is a wonderful thing. I am always amazed by my own personal growth while working with LAAHU. For me, leading and co-chairing this event enables me to encourage other women to step up and lead too. I am thrilled be a conduit to allow other women to be acknowledged and recognized in an industry dominated by the male energy.
Women working in the Healthcare Industry need our continued support and recognition. I was recently surprised to learn that businesses that employ a minimum of 30% women in their management force are more successful and balanced than companies that don’t. It’s not easy to be a woman in business, eternally striving to find the balance between our career, raising kids, managing a household, being social, enjoying life, resting, and always putting our best foot forward. These life events make us all stronger, both men and women, as we come together, balancing the feminine and masculine energy. It’s refreshing to know we are not alone. We work side by side for the benefit of one another.
This has been a perfect opportunity for me to reflect deeply about myself, the industry, giving back, acceptance, and letting go of attachments. This is my opportunity to call you all for duty, to call each and every one of us in a different way, to show up. Now is the time to shed all our insecurities and attachments to the unknown. It is the time to come together and serve side by side; creating events that will make a difference, a difference that sometimes is even bigger than we can understand.
I would like to encourage each and every one of you to join this incredible organization, either in spirit or in person, that needs so many of us to make a impact. We have the power to change and make this industry shine. If we can gather together in unity, everyone can experience leadership in a colorful way.
I would like to thank the LAAHU Board, LAAHU president, Bobbi Kaelin, my co-chair, Christal Doyle, the amazing committee, and each and every sponsor, supporter, member, and participant that took part of this incredible event. As many of you know, we lost dear Karen Coyle while preparing for this year’s fashion show. Karen was the heart and soul of this committee for many years and my heart was truly shaken by her sudden loss. This fashion show for me was a celebration of her life. May Karen’s name be always remembered in loving memory, side by side with this amazing event, of which she was so proud.
This event reminds me how important it is to support women, and how important is to be a visionary woman. I am very proud to work in this industry and to have been a part of this successful event that made such a beautiful contribution and helped us spread love throughout our industry, right before the start of this last brutal Open Enrollment.
I learn daily from all of you in my life and I love you all.
Namaste,
~ Naama~
❤

#### Worksite Wellness Classes
For employers who want to improve quality of life of their employees. following Worksite Wellness classes will be available in 2015:
Eat Well - This class reviews nutrition guidelines and appropriate food portion sizes. Tips to building healthy eating habits when dining out and cooking are also highlighted. Interactive visuals are used during the class.
Food Labels - Just about everything we consume has a food label but it’s not very user-friendly. Learn simple tips to make sense out of a standard food label so that you are informed about your food choices.
Weigh Less - Weight-loss is possible for anyone if they follow the key elements to effective and healthy weight management. In this class you will get the basics on energy balance, calorie intake, and Body Mass Index.
Move - More First half of the class describes fitness guidelines and how to safely begin a comprehensive fitness program. Second half of the class; participants engage in a low-impact, chair-based fitness routine. No special attire required.
Stress - Less This class guides you toward building stress management skills by reviewing the effects of stress on the body and how to identify symptoms. The class includes interactive relaxation techniques and aromatherapy music.
Sleep Well - Are you getting enough restful sleep? This class reviews what is healthy sleep, defines insomnia, and provides simple sleep hygiene steps. Sleep is part of a healthy lifestyle so be sure to set your clock for this informative class.


 
Back Care - Learn how to maintain a healthy back through this class which illustrates basic steps to prevent common back injuries through stretching and proper posture.
Heart Care - Love your heart. This class reviews prevention steps, risk factors and recommended screenings related to heart disease. High blood pressure and high blood cholesterol are highlighted with a discussion on a heart healthy diet.
Diabetes - The negative health impact of Type II diabetes and associated risk factors are discussed during this class. Key prevention steps including a Diabetes Risk Test are included in this session.
Skin Cancer - Protect your skin. This class focuses on skin cancer prevention steps and how to monitor skin changes over time.
Women’s Health - This class provides an overview of important components of women’s health including breast cancer, cervical cancer, and recommended preventative screenings. Class includes interactive visuals.
Kick the Habit - Smokers can prepare to take the first step to quit smoking in this class. They will learn about Kaiser Permanente’s smoking cessation classes, Wellness Coaching, on-line programs, and current nicotine replacement products.
Webinar - The above health topics are available via a web-based class with a live Certified Health Education Specialist. Employees interact directly online from their workstation. Ask your Account Manager for more details.
Contact us to schedule a class/webinar. 
Two month advance booking is suggested. One hour duration and ten-person minimum is required per class. Classes are available in Spanish.

#### Younger Policyholders Under Obamacare
From:  Real Health Care Reform
The official name of the health care reform legislation that President Obama signed into law in 2010 is the Patient Protection and Affordable Care Act.  This has lead many to believe that health insurance premiums will go down.  Unfortunately this is not the case, particularly for younger policyholders.
This is going to be a surprise for many people.  In 2009, supporters of the proposed law were bringing out economists that were actually claiming that the law would cause health insurance costs to go down.  President Obama was claiming that the law would “bring down premiums by $2,500 for the typical family”.
Young Must Subsidize the Old
Most experts are now expecting premiums to increase 30 – 50 percent, on average.   But for the younger policyholders (who are more likely to be healthy and less likely to need their coverage), premiums will be going up a lot more.
This is because the law states that an insurance company can charge an older policyholder no more than three times what they charge a younger policyholder.  Since the typical 64-year old has way more than three times as much health care spending than the typical 18 -ear old, it is the 18-year old is going to be the one paying for it.
Some early projections are showing that starting in 2014, a new plan may cost as much as 300% what it does now, for a young male in his mid-twenties.  The big questions is – will young people be willing to pay this much?
Potential Death Spiral
When the government manipulates pricing so that something costs more or less than it is really worth, there are always unseen consequences.  One possibility is that young people will choose to go without coverage.  In 2014, they will only face a $95 penalty for not having coverage, so this may be an option that many take.
If that happens, then premiums will have to go up more on everyone else, since we don’t have the young healthy policyholders to foot the bill.  If that were to happen, the entire system could collapse.
Congressmen Jim Matheson (D-UT) and Phil Gingrey (R-GA) have introduced H.R.455, which would change the age rating band from 3:1 to 5:1, or allow states to determine their own age band.  (In reality, there should be no age band, and young people should not have to subsidize older policyholders).
What Should You Do
You will not be required to purchase a new plan until the anniversary date in 2014 of your existing plan.  So you may want to hold on to your current plan, or get a new plan prior to the beginning of the year.
If you have coverage that initially went into force prior to March 23, 2010, it is considered to be a “grandfathered” plan, and you will not be required to purchase a new plan.
If you do have to get a new plan, and are under age 30, you can choose a catastrophic plan that will cost less (we don’t know how much less, yet).
 

#### Your Business and Health Care Reform
Does Your Business Face Health Care Reform Penalties?From: Real Health Care Reform
1. How do you know if your business is subject to the employer mandate?
The threshold for compliance can be determined with this formula, which you calculate on a monthly basis:
Take the number of employees working full-time (those who average more than 30 hours a week for the month) and add that to the number of hours part-time employees worked during the month plus 120 hours. That’s how to figure the full-time equivalence or FTE for employees who don’t work at least 30 hours a week.
2. How much will it cost to meet the new coverage requirements?
That can differ depending on your operation, as well as how minimum coverage is defined through the regulatory process.
3. What is the premium tax credit?
There is a federal subsidy to be used by those earning an amount up to 400% of the federal poverty level to help them afford coverage. The tax credit is available through the state health insurance exchanges, which play a vital role in certifying whether people are eligible for the premium tax credit.
4. Do all small businesses have to provide coverage?
No, only some do.  Employers who have less than 50 full-time-equivalent employees cannot be subjected to the employer tax penalties.
5. Does the new law require part-time workers to be covered?
No, not necessarily. Part-time employees (those working an average of less than 30 hours per week) are counted only to determine whether a small business owner meets the 50 full-time equivalent threshold that’s required under the law. The employer responsibility section of the law does not require employers to provide health care coverage to part-time employees, or to pay health care penalties.
6. Who will have to pay a penalty for not providing health care coverage?
That will fall on employers whose business meets that 50 full-time equivalent standard. Those employers may opt not to provide health care coverage to full-time employees, but it could result in a penalty. If at least one employee uses a premium tax credit to get coverage at a state exchange, the employer will be subject to pay a penalty of $2,000 per full-time employee per year (or $167 per month).
Small business owners may exclude the first 30 full-time employees when calculating this penalty. For example, let’s say an employer has 60 full-time employees and does not offer health insurance coverage, but one or more employees use a premium tax credit on the state exchange.  That employer could face a yearly penalty of $60,000, assuming a constant workforce.  That would be figured as 60 total full-time employees minus the 30 full-time employees excluded from the calculation.  The result would be 30 employee times the $2,000 penalty giving a $60,000 penalty.  And, it should be noted that the penalty is computed and assessed on a monthly basis.
7. What type of health coverage would need to be offered to full-time employees?
Business owners who employ more than the 50 full-time equivalent of employees need to provide affordable “minimum essential coverage” with at least a 60-percent actuarial value in order to meet what the law requires. “Minimum essential coverage,” however, is still being defined through the regulatory process. 
 
 

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#### About Naama O. Pozniak
A force within the healthcare and insurance industries, award-winning strategic health insurance advisor Naama O. Pozniak is a mother, lifelong yogi, Primordial Sound Meditation coach, NFT artist, collector, author, and Founder/CEO of Paz Holding, Inc. / RightPlan.com. Naama brings a unique balance of proven mindfulness leadership techniques and corporate wisdom to clients across industries. With the mind of a rock star, the heart of a healer, and the generosity of an avid volunteer, Naama’s programs inspire and educate from her 30+ years in the benefits industry and her experiences as a meditation teacher and Radical speaker.As a market disruptor and influencer, Naama is an Associate Publisher and Editorial Board member of Cal Broker magazine, NAHU Region 8 Media Chair, and serves on the LAAHU’s board as a HUPAC Chair. In addition, she has led meditation sessions with dozens of organizations over the past 10 years, including Women in Cloud, major insurance carriers, BenefitsPro, ASCEND, and the National Association for Health Underwriters, and serves as Chief Mindful Officer for Next Gen Mastermind. She brings her wisdom for holistic wellness, leadership, and healthcare costs discussions directly to industry stakeholders in the hybrid meta workforce environment.		
																														
		Naama teaches timeless techniques proven to help reduce stress and instill a sense of peaceful well-being to family, friends, clients, students, and colleagues. She has developed and led two continuing education courses approved by the Departments of Insurance in California, Florida, Arizona, Nevada, and Texas, showing that implementing an intelligent heart connection and 360-degree care will reduce stress, help us know ourselves better, create happiness, reduce the costs of care, and raise collective awareness.Recent Speaking Engagements:NAHU Capitol Conference, Washington, D.C. - March 2023 & 2022, February 2021 & 2020Business & Life Boosts Summit - December 2021You Powered Symposium, Miami, FL - February 2023NextGen Benefits Mastermind, Dallas, TX -January 2023, April 2022 & 2021ASCEND – New Orleans, LA – January 2023 and Virtual - January 2021Art Basel, Miami - December 2022Web3 Summit Women, Miami - December 2022NFT. London - November 2022Bitcoin, Amsterdam - October 2022DreamFest-Metaverse event - October 2022Medicare Symposium - September 2022MidWestCon, Cincinnati, OH – August 2022Ai4 - August 2022Metanoise, Denver, CO - July 2022Next Gen Mastermind, Cayman Islands - July 2022 and Boston, MA - April 2022NFT.NYC, New York - June 2022National Association of Health Underwriters (NAHU) Annual Convention - June 2022, 2021 & 2019BlocBuilder, Iowa - June 2022Los Angeles Association of Health Underwriters (LAAHU) Annual Conference - April 2022, May 2021, July 2020, April 2019LAAHU Carrier Panel - October 2021LAAHU Medicare Summit - October 2021, August 2019Unmasking Medicare – Annual Virtual California Statewide Medicare Expo - August 2021 & 2020Benefit Pro Expo, San Diego, CA - August 2021National Association of Women Business Owners (NAWBO) Lunch and Learn - March 2021Women in Cloud Digital Summit - January 2021J Net - Senior Helpers Los Angeles-Central West - August 2020Stress Reduction Break for Senior Specialist Group - June 2020San Diego Association of Health Underwriters (SDAHU) – January 2020Golden Gate Association of Health Underwriters (GGAHU), Lafayette, CA – September 2019Employee Benefits Adviser Benefits Forum & Expo, Las Vegas, NV – September 2019Orange County Association of Health Underwriters (OCAHU) Senior Summit, Temecula, CA – August 2019Workplace Benefits Mania Conference, Las Vegas – August 2019Arizona Association of Health Underwriters Summit (AAHU) Keynote Speaker, Phoenix, AZ – May 2019Workplace Benefits Renaissance “Women in Benefit Advising,” Nashville, TN - February 2019LAAHU Field Day Opening Session - April 2018Covered CA Open Enrollment Presentation, Studio City, CA - November 2017California Association of Health Underwriters (CAHU Healthcare Retreat, Pala, CA – September 2016National Association of Insurance and Financial Advisors (NAIFA) 10thAnnual Healthcare Forum – November 2015CAHU Summit Keynote Speaker, Los Angeles – September 2015Awards Include:Employee Benefits Adviser’s 2019 “Wellness Adviser of the Year”San Fernando Valley Chamber of Commerce SIBBIE Award - 2019Top of The Table Producer, Lifetime Soaring Eagle Award - 17 years runningFlag flown at the US Capitol in recognition of Naama’s efforts with HUPAC, presented by Rep. Brad Sherman (CA) - 2019NAHU Distinguished Service Award – 2018Named one of the Most Influential Women in Benefit Advising – 2016 and 2017Professional Affiliations include:California Broker Magazine Editorial Advisory Board - CurrentNAHU Region 8 Media Chair – 2018–CurrentLAAHU Media Chair – CurrentLAAHU HUPAC Chair – 2014-CurrentNAHU LPRT Committee – 2014-2020LAAHU Community Outreach Chair – 2018-2019LAAHU Public Service Chair – 2010-2013Continuing Education (CE) Registration with the Departments of Insurance in California, Florida, Nevada, Arizona, and Texas for her courses on “Reducing Healthcare Costs with Meditation and Yoga.” Pending approval in several additional states.Books:"Voices of the 21st Century!" contributed "Medicate or Meditate: Mindful Leaders in the Current Meta Hybrid Workplace" chapter“Life & Death Decisions in the C-Suite,” contributed "Modern, Mindful Healthcare in a Meta-Hybrid Workforce Culture" chapter “Business Boosts, Vol. 3,” contributed "Modern Leadership in a Meta Corporate Culture" chapter

#### Blog
URL: https://rightplan.com/blog/

#### Cancer, Critical Illness, and Accident Coverage
How will you pay for what your health insurance won’t?Even those of us who plan for the unexpected with life, disability and medical insurance may discover that some expenses can still remain unpaid. Without adequate protection, sufferers of critical illnesses might have to pull from their savings or rely on other financial sources in their time of need.Specified Disease Insurance (AKA Ancillary products) helps fill the gaps in your health insurance.With Ancillary products like these, you’re paid a benefit that can help you cover:Deductibles, co-pays and co-insurance of your health insuranceHome health care needs and household modificationsTravel expenses to and from treatment centersLost incomeRehabilitationChild care expensesEveryday living expenses		
			
				
			
				
			
				
			
				
			
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#### Contact
Please enable JavaScript in your browser to complete this form.Please enable JavaScript in your browser to complete this form.Call us at 818.508.7177,
Visit us at 12500 Riverside Drive #206, Valley Village, CA 91607Or fill in the form below and we will get back to you.
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#### Covered CA for Small Business (SHOP)
As a small-business owner, you may qualify for a federal tax credit to help offset the cost of providing health insurance to your employees by purchasing coverage with Covered California for Small Business. To qualify for a tax credit, employers must contribute at least 50 percent of their employees' premium costs for the lowest priced plan offered and the average employee pay must be below the level for that year.Click here for more information on the tax credit through Covered California for Small Business.  Give us a call for a quote and more information on how to get your small business the best group policy available!The website is owned and maintained by RightPlan, which is solely responsible for its content. This site is not maintained by or affiliated with Covered California, and Covered California bears no responsibility for its content. The e-mail addresses and telephone numbers that appear throughout this site belong to RightPlan and cannot be used to contact Covered California.

#### Covered California
California’s state health insurance exchange is called CoveredCalifornia or CoveredCA. It's where individuals, families, and employers can go and purchase insurance. Based on your income level, you may get a discount on your monthly premiums and possibly your out-of-pocket costs as well. That premium discount is called a subsidy or APTC (Advance Premium Tax Credit) and the out-of-pocket discount is called a CSR (Cost Share Reduction.)
RightPlan is a preferred Covered CA Enrollment Partner, working diligently to help people enroll in Covered CA policies and Medi-Cal.  It is Naama’s mission to assist everyone through all phases of their life; no matter how complicated, it’s our job to make it easy and efficient.
Yes, I qualify!
Think you might qualify for a discount?  Call us or check the chart below. 
 For more information on Employer Group insurance through Covered California for Small Business, click here.
This website is owned and maintained by RightPlan, which is solely responsible for its content. This site is not maintained by or affiliated with Covered California, and Covered California bears no responsibility for its content. The e-mail addresses and telephone numbers that appear throughout this site belong to RightPlan and cannot be used to contact Covered California.

#### Dental and Vision
Establishing new dental or vision coverage or enhancing existing benefits is both easy and affordable. We have great money-saving solutions for dental and RightPlan knows how important dental care is for your long-term health. Our clients (and their teeth) are very important to us! We will make sure that we find a plan that fits your needs and stays within your budget.
Vision insurance helps to offset the costs of routine checkups, glasses and other prescribed vision correction wear.
Things to consider in choosing dental and vision coverage:
Where is the coverage accepted – Some dental or vision plans are set up like medical HMOs with specific provider networks or, in the case of vision plans, certain chains that sell eyewear. Other plans are more like PPOs with long lists of providers from which to choose. Many also offer out-of-network coverage that lets you go to most dentists and optometrists.
Dental waiting periods – Some dental insurance plans – but not all – have a waiting period before more expensive dental procedures are covered. The length of time varies by plan, type of procedure, and whether you had coverage before. Waiting periods were established so people did not buy dental coverage once they need a root canal, crown, or other expensive work, and then drop the coverage right after.
Levels of benefits – There are different deductibles and coverage levels for dental and vision plans based on services needed. For example, a regular dental checkup on many plans has no cost, but a filling will have a copayment amount or coinsurance level. Some vision plans cover new frames annually, while others only cover frames every other year. Some have a set amount they will pay towards any eyeglass frame; others have a percentage covered or better limits for certain brands of frames.
Dental Plan Maximums – While medical insurance plans have an annual maximum amount you can pay out-of-pocket, many dental insurance plans have the opposite. They have a maximum amount they will pay for treatment in any given year. For example, if someone has a plan with a $1,000 maximum and has a lot of work done, they may not have any coverage until the following year. So, someone needing a lot of fillings or major work may need to space it out or pay for it themselves. 		
																														
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#### Dyanne's Test Page
Establishing new dental coverage or enhancing existing benefits is both easy and affordable. We have great money-saving solutions for dental and vision for our clients!RightPlan Service knows how important dental care is for your long-term health. Our clients (and their teeth) are very important to us! We will make sure that we find a plan that fits your needs and stays within your budget.Vision insurance helps to offset the costs of routine checkups, glasses and other prescribed vision correction wear.Things to consider for dental and vision coverage:Where is the coverage accepted – Some dental or vision plans are set up like medical HMOs with specific provider networks or, in the case of vision plans, certain chains that sell eyewear. Others are more like PPOs with long lists of providers that accept the plan. offer out-of-network coverage that lets you go to most dentists and optometrists.Dental waiting periods – Some dental insurance plans – but not all – have a waiting period before more expensive dental procedures are covered. The length of time varies by plan, type of procedure and whether you had coverage before. The waiting periods were established so people did not buy dental coverage once they need a root canal, crown or other expensive work and then drop the coverage later.Levels of benefits – There are different deductibles and coverage levels for dental and vision plans based on services needed. For example, a regular dental checkup on many plans has no deductible or copayment, but a filling will have a copayment amount or coinsurance level. Some vision plans cover new frames every year, others only cover frames every other year. Some have a set amount they will pay towards any eyeglass frame; others have a percentage covered or better limits for certain brands of frames.Dental Plan Maximums – While medical insurance plans have an annual maximum amount you can pay out-of-pocket, many dental insurance plans have the opposite.Dental insurance plans have an annual maximum amount they will pay for treatment in any given year. For example, if someone has a plan with a $1,000 maximum and has a lot of work done early in the year, they may not have any coverage until the following year. So, someone needed a lot of fillings or other work done may need to space it out or pay for it themselves. 		
																										
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#### Enrolling in Medicare Plans
There are a variety of times you can enroll in or change Medicare plans and supplements. Ads may announce it is Medicare Open Enrollment time, but it might not be true for your type of plan, your circumstance, or even where you live (yes, it can vary by state). Additionally, it is best to take advantage of opportunities for “guaranteed issue” on your new policy – that means that you can’t be denied coverage based on your medical history.We can help you review your options! But, here are some basic guidelines on Medicare Enrollment Periods that allow people to enroll or switch plans without the possibility of being declined coverage: When you are first eligible for Medicare, you can apply for coverage on any supplemental or prescription drug plan during the three months before and three months after your 65th birthday month. You cannot be denied coverage during that time.If you remained on an employer’s plan after turning 65 and are now leaving that job, you have two months after leaving to apply for Part B and any supplemental coverage, also without the possibility of being denied coverage. (Note: you can only stay on an employer's plan if there are at least 20 employees. Otherwise, you must enroll in Medicare when you are first eligible.) Changing your Medicare Part D plan can be done from Oct. 15 to Dec. 7 and the change will take effect Jan. 1. Moving to or from a Medicare Advantage Plan from original Medicare can be done from Oct. 15 to Dec. 7 and takes effect Jan. 1. If you are in a Medicare Advantage Plan and want to enroll in a different one, it can also be done during the annual enrollment period during first quarter of the year. If you changed plans and are unhappy, you generally have to wait until the next available period. However, if you switched to a Medicare Advantage plan for the first time and are not satisfied, you can usually switch back to Original Medicare within the first 12 months. Part A/Part B general enrollment is Jan. 1 – March 31 for those who did not sign up when first eligible. The coverage usually begins in July of that year. You can apply for supplemental coverage during that time as well. It’s your birthday, and you want to change Medicare Supplement plans. In California, your birthday creates a 60-day window during which you can chance to another plan with equal or lesser benefits without medical underwriting. The Birthday Rule originated in California, but variations are now in 9 other states. The concept recognizes that rates go up as you get older and rates at that age may be lower with another carrier. (In states without a birthday or anniversary rule, you can only change Medicare Supplement plans if you are approved by underwriting.)Additionally, an insurance company or the government may declare a special enrollment period that provides a new opportunity. For example, one insurer offered guaranteed enrollment for Medicare Supplements for a few months. Natural disasters often lead to a special enrollment period too.________________________________________We are not connected with or endorsed by the U.S. government or the federal Medicare program. We do not offer every plan available in your area. Currently we represent nine organizations which offer 21 prescription drug plans and countless other products in your area. Please contact Medicare.gov, 1–800–MEDICARE, or your local State Health Insurance Program to get information on all of your options. The purpose of this communication is the solicitation of insurance.

#### Group Health Insurance
Group Health InsuranceFor groups large or small, health, life, and accident and illness coverage for your employees!RightPlan is here to help small and large business owners make the right choice that fits their company and their employee's needs. Let us help you find a plan that will keep your employees happy, healthy and working. Our kind and caring staff will go out of their way to find the answers that you need to make an informed decision.  As a business owner, you can purchase business insurance for nearly every operation and risk your business faces.Small versus large groupIn California, small groups are employers who have 2-100 employees.  A small group cannot be solely a husband and wife.Large groups have more than 100 employees.  Employees must be W-2, not 1099. Please note the employer must offer benefits to all employees who meet set eligibility rules (i.e., full-time and have been there two full months).  51% of all employees must work in the state where the employer is purchasing insurance.ComplianceOne of the biggest issues with all businesses these days is making sure they are compliant with the complex rules of the ACA.  At RightPlan, we are focused on hands-on assistance, making sure this aspect of being a business owner or HR professional is headache-free!  Helpful systems like HR360 and Ease are incredible technologies included in our group policies that will make insurance easy, from end-to-end.Holistically mindedAt RightPlan, we are focused on assisting with more than just health insurance.  Whether you’re needing travel insurance for your people on a project in Abu Dhabi, hoping to find a solution for your high deductibles with an ancillary plan, or need advice on implementing a better wellness program to reduce costs, we’re here for you!From claims to billing to wellness, we will help you find a product for every phase of your business. For answers to all your pressing questions, give us a ring at 818.508.7177 or click the link below to get a quote. Our friendly staff is waiting to help you		
			
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#### Health Insurance
Finding the right health insurance plan can be confusing. There are so many things to consider nowadays based on your lifestyle and health besides the monthly premium:Should you opt for an HMO or a PPO?Is there a doctor or hospital you prefer?Do you need regular access to care or coverage, just in case it is needed?Are there prescriptions you take regularly?Whether you are between jobs, a freelancer, aging off your parent’s plan or work for a company that does not offer medical insurance, let RightPlan guide you in making the right decision based on your needs. Think you may qualify for discounted health insurance because of your income?  Head over to our Covered CA page to see if you qualify for a subsidy. If you don’t qualify, click the button below to find health insurance plans that are available off the exchange or give us a call.

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		Innovative, holistic benefits and financial solutions for every stage of your life.  Health, Life, Long-term care, Disability, and Ancillary Insurance for groups and individuals, Medicare for individuals over 65, and Travel medical policies, as well as wellness outreach and education. At RightPlan Service, we strive to provide businesses and individuals with plans and objective information that best fits their needs. Our professional and kind staff is well-informed on California’s rapidly changing insurance industry with the most up-to-date information about the ACA / Obamacare, keeping our groups compliant and covered. We take pride in bringing quality customer service, reliability, value, and commitment to service.Our staff truly cares, and our team always goes the extra mile to answer all your big questions. Our office is in the Valley Village section of the San Fernando Valley, but we handle insurance needs for clients throughout California. Whether you’re needing medical care or planning for a big trip, RightPlan works holistically.  Internationally minded, we have a multi-lingual office fluent in English, Spanish, Russian, Armenian, and Hebrew.  Whatever phase of your life, A+ is here for all your changing needs. 		
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#### Individual Health
Health insurance is complicated but very necessary. Let RightPlan help you choose the best health insurance plan for your needs and budgetThe things to look for when choosing a health plan include:HMO or PPO  – The types of plans differ in price and flexibility. Generally, less expensive, an HMO (or health maintenance organization) requires that you use a primary care physician (PCP) to coordinate your care and refer you to specialist or order tests from providers within the HMO’s network. There is no out-of-network coverage, except in the case of an emergency. The pricier option, a PPO (or preferred provider organization), features a network of “preferred” providers in the state. You do not need referrals to see a specialist. Your portion of the bill will be considerably less if you see a doctor in the preferred network, but a PPO generally covers a portion of the cost for seeing an out-of-network provider. A plan’s network and whether your doctor or preferred hospital participates – A doctor’s office may tell you that they contract with Blue Shield, but that does not mean your Blue Shield plan includes them. Insurance companies have multiple networks of doctors, hospitals and other providers with which they contract and establish rates. Statewide, however, the cost for medical care differs dramatically between doctors and hospitals besides HMO versus PPO. So, health plans develop smaller or medium-sized networks that have lower premiums than their full ones. The smaller network may only include less expensive doctors, hospitals or labs. However, a smaller network may include the local hospital or doctor group you prefer, but not include big name, more-pricey facilities like Cedars-Sinai Medical Center or Stanford Hospital that are further away. It is important to see which providers are in the plan you are considering to make sure it meets your needs.A lower premium or lower copay? – Do not choose a plan based on price; consider your needs. Do you rarely visit a doctor or see someone regularly? What about your prescription needs? Since the ACA, health plans are offers in four metal categories: Platinum, Gold, Silver and Bronze. These are based on the “actuarial value” or percentage of costs the plan covers versus the insured. A Platinum plan costs the most each month, but has the lowest copayments. The insurance company pays 90% of medical expenses on Platinum plan. Conversely, a Bronze plan will cost considerably less per month,  but have higher deductibles and out-of-pocket costs. Bronze plans cover an estimated 60% of an insured's medical expenses.Where to purchase coverage? There are 3 different ways to purchase policies for individuals and families in California. Our team at RightPlan can help you :A plan purchased direct from the company (aka off-exchange or direct)A plan purchased through our state exchange, Covered CA, possibly with a subsidy  (aka on-exchange)Medi-Cal (CA’s Medicaid program that offers free or low-cost health coverage for those with limited income)Individual insurance policies nowadays are based on calendar year. The annual enrollment period (November to January) permits anyone make changes. Throughout the rest of the year, you can make changes within 60 days of a Qualifying Life Event (or QLE).  Unsure of what a QLE is?  Check the image below!

#### Knockout Health Questionnaire
Please enable JavaScript in your browser to complete this form.Please enable JavaScript in your browser to complete this form.Name *FirstLastAddress *Address Line 1Address Line 2City--- Select state ---AlabamaAlaskaArizonaArkansasCaliforniaColoradoConnecticutDelawareDistrict of ColumbiaFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew JerseyNew MexicoNew YorkNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashingtonWest VirginiaWisconsinWyomingStateZip CodeEmail *Phone
				
			1. Currently expecting children and/or in the process of adoption, surrogacy, or infertility treatment? *--- Select Choice ---YesNon the last 5 years, has any applicant ever been diagnosed with or treated for cancer or tumors  (other than fully removed basal cell skin cancer), heart attack, heart surgery, angioplasty, stent,  heart failure, Stroke, TIA, or other serious cardiovascular disease? *--- Select Choice ---YesNo3. Has any applicant been diagnosed with Type 1 diabetes or Type 2 with complications? *--- Select Choice ---YesNo4.  In the last 5 years, Any Kidney disorders, lung disorders that require oxygen, blood disorders, liver disorders, organ transplants, or any other ongoing organ disorders or treatments? *--- Select Choice ---YesNo5. Has any applicant ever been diagnosed with HIV, AIDS, Lupus, Hemophilia, or any other serious  autoimmune disorders? *--- Select Choice ---YesNo6. Has any applicant ever been diagnosed with any neurological disorders? *--- Select Choice ---YesNo7. In the past 5 years, has any applicant ever been diagnosed with a severe mental health condition  (such as schizophrenia, bipolar disorder, or any mental illness requiring  hospitalization), or is any applicant currently receiving counseling or therapy for a  mental health condition? *--- Select Choice ---YesNo8. Has any applicant ever been treated for substance or alcohol dependency in the  past 5 years? *--- Select Choice ---YesNo9. In the past 12 months, has any applicant been hospitalized overnight (other than  for routine childbirth without complications)? *--- Select Choice ---YesNo10. Is any applicant currently awaiting results of diagnostic testing, or scheduled/recommended for  surgery, imaging, or major medical treatment? *--- Select Choice ---YesNo11. Is any applicant currently taking chemotherapy, immunotherapy, biologics, or GLP1’s? *--- Select Choice ---YesNo12. Do you attest that you are self-employed, a sole proprietor, an EIN holder, or a W-2 employee being  sponsored by an employer? *--- Select Choice ---YesNo13. Do you attest that all questions above are answered accurately and agree that any  misrepresentation of your application will result in an exclusion of coverage for the preexisting  condition attested to? *--- Select Choice ---YesNo			
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#### Life Insurance
California’s state exchange is called Covered CA. That’s where individuals, families, and employers can go and purchase insurance. Based on your income level, you can maybe get a discount on not only your monthly premiums but your out-of-pocket costs as well. That premium discount is called a subsidy or APTC (Advance Premium Tax Credit) and the out-of-pocket discount is called the CSR (Cost Share Reduction.)RightPlan is a preferred Covered CA Enrollment Partner, working diligently to assist enrollments in Covered CA policies and Medi-Cal.  It is Naama’s mission to assist everyone through all phases of their life; no matter how complicated, it’s our job to make it easy and efficient.Yes, I qualify!Think you might qualify for a discount?  Call us or check the chart below.   For more information on Employer Group insurance through Covered CA’s Small Business plans, click here.This website is owned and maintained by RightPlan Service, which is solely responsible for its content. This site is not maintained by or affiliated with Covered California, and Covered California bears no responsibility for its content. The e-mail addresses and telephone numbers that appear throughout this site belong to RightPlan Service and cannot be used to contact Covered California.

#### Long Term Travel Insurance
An annual travel medical insurance policy gives you the freedom to come and go as you please, and not worry if you need medical care. Take as many trips as you like. However, the length of each trip may be limited to a set number of days.Annual travel insurance coverage is an ideal solution for:People who travel outside the U.S. two or more times a yearThose from foreign countries who live in the U.S. but venture home periodically.Those with dual citizenship living in the U.S. for a longer period who may not be able to get regular American health insuranceMedical coverage for expat Americans living abroad. Long-term travel medical plans (typically annual plans that can be renewed) vary greatly so it is important to study the details before purchasing. Most plans offer similar kinds of coverage as single trip international medical insurance. Along with medical coverage, these also cover for medical evacuation and repatriation. The advantage is that the same policy can cover you for multiple separate trips throughout the year. Here are some things to look for, besides deductible and coverage amounts:Are pre-existing conditions covered? Some do cover them; others do not or exclude a particular condition.What about pregnancy or maternity coverage? Some annual travel policies either exclude maternity care or have a waiting period, such as after the first year.Do you need vision and dental coverage? Those are options on some plans.What about preventive care? Travel medical policies typically do not cover preventive care. However, plans designed for expats do!Are countries excluded? Many policies will not cover travelers to countries for which the State Department or Centers for Decease Control (CDC) have issued travel advisories. Including the U.S. in Coverage An annual travel medical policy for someone living in the U.S. generally excludes coverage here. However, for expats and people who are essentially “world citizens” traveling regularly, including coverage for visits to the U.S. is important. You need to include the U.S. in your insurance coverage if you are:Traveling to the U.S. or have a layover in itAn expat who plans on visiting home each yearNote: Special rules apply to Puerto Rico and some other U.S. territories. Please ask about it.

#### Medicare Coverage CA
Getting MedicareWe are here to celebrate your 65th birthday, it is a major milestone. For most adults, one advantage to turning 65 is enrolling in Medicare!Whether you are still working or not, you need to look at your healthcare options and Medicare. You need to look at whether you should sign up for Medicare Part A (hospital coverage) and Part B (medical insurance). The pair are often called Original Medicare. Just be aware that Medicare Parts A & B only pay part of your medical costs. Your costs for deductibles, copays, prescription drugs and other out-of-pocket costs can add up quickly. Without supplemental coverage, there is no maximum out-of-pocket on Medicare claims. So, you need to protect yourself from the inevitably higher health care costs you face as you getting older.There are a lot of questions you probably have:Should I stay on my employer’s plan?What about prescription drug coverage?Do I need a Medicare Supplement (aka Medigap) plan?What about a Medicare Advantage Plan? Is that a good option for me?These are all things to consider before enrolling in a plan. We'd be glad to help you find answers based on your situation.Your Medicare ID CardWhen you enroll in Medicare will receive a red, white, and blue Medicare ID card. It shows your name and eligibility dates for Part A and Part B. It will also feature your Medicare Beneficiary Identifier (ID number) or MBI. The MBI replaced Social Security numbers on Medicare cards with letters and numbers. Doctors and hospitals use your unique MBI to submit Medicare claims when you access care.If you have additional coverage from an insurance company, such as a Medicare Supplement Plan F or G, you give providers that ID card as well as your Medicare ID so you receive all the benefits to which you are entitled.If you are enrolled in a Medicare Advantage Plan (typically an HMO), you usually only need to present your Medicare Advantage Plan card._____________________________________________________________________________________________________________________________________We are not connected with or endorsed by the U.S. government or the federal Medicare program.  We do not offer every plan available in your area. Currently we represent seven organizations which offer 16 prescription drug plans and countless other products in your area. Please contact Medicare.gov, 1–800–MEDICARE, or your local State Health Insurance Program to get information on all of your options. The purpose of this communication is the solicitation of insurance.

#### Medicare Parts A, B, C and D
Here are the various parts of Medicare:Medicare Part A covers treatments in hospitals. It has an annual deductible that changes yearly. There is no cost for Part A coverage for people who worked and paid FICA taxes for at least 10 years (or are married to someone eligible). If not, you may be able to purchase Part A.Medicare Part B pays for physicians, outpatient hospital care, some home health services, and durable medical equipment like walkers. There is a monthly cost or “premium” for Medicare Part B. Most people pay the standard Part B premium, but those with a higher adjusted gross income may pay more. Additionally, Part B has a deductible and generally only covers 80% of costs.Medicare Part D plans (also called Medicare Prescription Drug Plans) help cover costs for prescription medications (Rx). They have monthly premiums and most have deductibles. The plans vary greatly in formularies so people need to consider what prescriptions they take in choosing one.What about Medicare Part C? Part C refers to “Medicare Advantage” plans, which combine Parts A + B + D in one plan. Most Medicare Advantage plans are HMOs, with a primary care doctor coordinating your medical care, but there are PPO Medicare Advantage plans available in some areas. They are more affordable than other options, but you generally must receive care from the doctors and hospitals in the plan's network.What about F, G, N and other Medicare Supplemental Plans?Medicare Supplement Plans (also known as Medigap plans) help fill the coverage gaps and reduce your out-of-pocket expenses.  Medicare Parts A and B only cover part of your medical expenses. Your costs for deductibles, coinsurance, and copays can add up quickly. Unlike plans designed since the Affordable Care Act, Medicare has no maximum amount you may be billed on claims - unless you have a supplemental or Medicare Advantage plan. So, you need to protect yourself from considerable health care costs if you have a major illness or require surgery. Keep in mind - You may be healthy at 65, but you can be turned down for coverage if you do not purchase a supplement plan when you are first eligible.NOTE: Re Medicare Plan F – As of January 1, 2020, people who are newly eligible for Medicare cannot purchase plans that cover the Part B deductible. This includes the popular F plans. People who have an F plan or were eligible for one before 2020 can still buy F plans. However, if you are eligible from 2020 on, you can buy a G plan, which is the closest to F in coverage.		
																														
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#### Medicare Prescription Drug Plans
Choosing a Medicare drug plan (Part D) is complicated. You need to consider the drugs you take, whether you need brand name medications or generic ones, and if your medications require any special approvals. Then, you need to review your plan options and determine what your total annual costs are likely to be:Lower-cost plans are ideal for people taking generic prescriptions or none. You will not pay much monthly and have coverage if you do need to suddenly fill prescriptions.Other plans have higher monthly premiums but may offer better or lower-cost coverage for expensive or brand-name medications.Some medications require prior approval annually on every plan, and others are not covered on any, because of Medicare rules.Starting in 2025, costs for covered prescription medications are limited each year ($2,000 in 2025, $2,100 in 2026, etc.).  So higher cost medications may not be covered on all lower-priced plans.You should review your prescription drug plan annually as your needs (and the plans themselves) change. There is an annual Medicare open enrollment from Oct. 15 to Dec. 7 to allow people to change their Medicare Prescription Drug Plan for the next year.Your choice of pharmacy can make a big difference. Additionally, you should check whether the prescription cost would be lower using www.Goodrx.com and other discount sites. They show price comparisons between pharmacies and offer coupons that can significantly cut your out-of-pocket costs.We are not connected with or endorsed by the U.S. government or the federal Medicare program.  We do not offer every plan available in your area. Currently we represent seven organizations which offer 16 prescription drug plans and countless other products in your area. Please contact Medicare.gov, 1–800–MEDICARE, or your local State Health Insurance Program to get information on all of your options. The purpose of this communication is the solicitation of insurance.		
																														
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#### Over 65 Travel Insurance
65+ Travel InsuranceScores of senior travelers reach all corners of the globe on leisure, business and educational trips. As international travel expands, however, health and safety can be major concerns . Unfortunately, Medicare DOES NOT cover seniors outside the U.S., and the Medicare Supplement plans that do include some coverage outside the country offered limited protection.  That’s why a Travel medical or Trip Protection policy is important.Given the heightened risks, savvy senior travelers are preparing more than ever to avoid potential hazards. It is no "hidden fact" that regarding travel insurance, Seniors have to be extra cautious to select the best plan that is capable of offering full coverage while they are away from their hometown and home country.What will a good travel health policy do for you?Travel health insurance policies are designed to pick up your medical expenses when traveling abroad. These plans act as your primary insurance while abroad. Even if you have a Medicare supplement plan that offers some foreign travel benefits, the coverage is inadequate if you have a major illness or accident. For example, Medicare supplements typically cover emergencies up to $50,000 and are subject to a $250 deductible and 20% coinsurance.The best plans cover everything from hospitalization, surgery, physician office visits, ambulance services, prescription medications, and emergencies. The premier plans make it a point to cover sickness or injury resulting from a pre-existing medical condition or terrorist event without limitations. Some policies even pay medical providers overseas on a direct basis so you can avoid having to pay the bill and deal with the paperwork hassles and delays inherent in filing a claim.Worry- Free Travel with:TravelGapTravelGap Multi-TripRenewable, Portable Coverage with Global CitizenProtect Your Investment with Trip ProtectorAdmitted coverage versus non-admitted coverageThere are big differences in your rights when you buy travel health insurance. Some plans are licensed and regulated in the U.S. while others are issued offshore beyond the reach of your state’s Department of Insurance. In fact, most evacuation membership plans are not regulated or even backed by a rated insurance carrier. U.S. Licensed and approved plans are called “admitted insurance” and afford members the strongest consumer protections. Your personal health and financial security hang in the balance.Admitted health insurance advantages include:Consumer ProtectionThe strict U.S. insurance laws are strict and protect health care consumers. Policy language must be fair and meet the plan English definition. Policy wording, plan definitions, exclusions, claims turnaround times, formal appeals process must meet regulatory guidelines.Global Provider NetworksWhat good is insurance if you can’t find a doctor you trust? The best plans give you access to the best providers who are able to bill the insurance company directly. In addition, providers are selected based on their medical credentials, language proficiency and more. ALWAYS ask the insurer what their credentialing process entails.Richer BenefitsAdmitted benefits tend to be broader and deeper with fewer surprises at time of claim. The table below illustrates major differences between and admitted policy and a popular non admitted policy. Coverage ConsiderationsSample ProvisionsAdmitted PolicySample ProvisionsNon-Admitted PolicyConforms to U.S. health insurance lawsYesNoPre-Existing conditions covered to policy limit*YesNoTerrorism covered with no excluded countriesYesNoPre-certification not required for hospitalization  YesNoCashless access to profiled physicians and hospitals in 180 countriesYesNo*Pre-existing conditions may be subject to current enrollment in Medicare.

#### Self-Employed
Knockout Health QuestionnairePlease enable JavaScript in your browser to complete this form.Please enable JavaScript in your browser to complete this form.Name *FirstLastAddress *Address Line 1Address Line 2City--- Select state ---AlabamaAlaskaArizonaArkansasCaliforniaColoradoConnecticutDelawareDistrict of ColumbiaFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew JerseyNew MexicoNew YorkNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashingtonWest VirginiaWisconsinWyomingStateZip CodeEmail *Phone
				
			1. Currently expecting children and/or in the process of adoption, surrogacy, or infertility treatment? *--- Select Choice ---YesNon the last 5 years, has any applicant ever been diagnosed with or treated for cancer or tumors  (other than fully removed basal cell skin cancer), heart attack, heart surgery, angioplasty, stent,  heart failure, Stroke, TIA, or other serious cardiovascular disease? *--- Select Choice ---YesNo3. Has any applicant been diagnosed with Type 1 diabetes or Type 2 with complications? *--- Select Choice ---YesNo4.  In the last 5 years, Any Kidney disorders, lung disorders that require oxygen, blood disorders, liver disorders, organ transplants, or any other ongoing organ disorders or treatments? *--- Select Choice ---YesNo5. Has any applicant ever been diagnosed with HIV, AIDS, Lupus, Hemophilia, or any other serious  autoimmune disorders? *--- Select Choice ---YesNo6. Has any applicant ever been diagnosed with any neurological disorders? *--- Select Choice ---YesNo7. In the past 5 years, has any applicant ever been diagnosed with a severe mental health condition  (such as schizophrenia, bipolar disorder, or any mental illness requiring  hospitalization), or is any applicant currently receiving counseling or therapy for a  mental health condition? *--- Select Choice ---YesNo8. Has any applicant ever been treated for substance or alcohol dependency in the  past 5 years? *--- Select Choice ---YesNo9. In the past 12 months, has any applicant been hospitalized overnight (other than  for routine childbirth without complications)? *--- Select Choice ---YesNo10. Is any applicant currently awaiting results of diagnostic testing, or scheduled/recommended for  surgery, imaging, or major medical treatment? *--- Select Choice ---YesNo11. Is any applicant currently taking chemotherapy, immunotherapy, biologics, or GLP1’s? *--- Select Choice ---YesNo12. Do you attest that you are self-employed, a sole proprietor, an EIN holder, or a W-2 employee being  sponsored by an employer? *--- Select Choice ---YesNo13. Do you attest that all questions above are answered accurately and agree that any  misrepresentation of your application will result in an exclusion of coverage for the preexisting  condition attested to? *--- Select Choice ---YesNo			
			Submit

#### Senior Travel Insurance
Senior travelers reach all corners of the globe on leisure, business and educational trips. But, they need to know that Medicare DOES NOT cover them outside the U.S. Some Medicare Advantage and Supplement plans do include some coverage outside the country, but it is limited.  That’s why a Travel Medical policy is important.Those on Medicare should be extra cautious to select a travel insurance plan that offers full coverage while they are away from home, particularly if they have pre-existing conditions.Differences in senior travel insurance policiesThe best travel insurance plans cover physician office visits, hospitalization, surgery, ambulance services, and prescription medications for urgent care, as well as emergencies. The premier plans make it a point to cover sickness or injury resulting from a pre-existing medical condition. Some policies even pay medical providers overseas on a direct basis so you can avoid having to pay the bill and deal with filing a claim.By contrast, the Medicare Advantage and Supplement plans that offer foreign travel benefits only cover emergency care. They have a $250 deductible, and you pay 20% coinsurance up to a $50,000 lifetime maximum. That is very little for hospitalization or surgery in many cities.Some policies have limits on coverage for those over certain ages. There are policies that offer seniors better protection and better pricing. Contact us to find out more.

#### Short-Term Travel Insurance
Short-Term Travel Insurance (also known as Visitors Insurance) provides health insurance and peace ofmind while you’re away from home. Your regular health insurance may or may not cover you foremergencies when traveling. Even if it does, coverage is usually limited to life-threatening situations orones that cannot wait, such as a broken leg.Whether you are traveling for business or pleasure, unexpected illnesses, injuries and accidents canresult in large bills. If you plan on traveling to or from the U.S., purchasing travel medical insurancemakes a lot of sense. If you are a senior, it’s extremely important; Medicare does not provide coverageoutside the U.S. Head over to our Senior Travel Insurance page for more information.
Things to be aware of:

Travel medical insurance covers medical care for non-emergency situations, such as an ear infection,flu, or a persistent cough, but does not cover preventive care.
Some policies limit or exclude coverage for pre-existing conditions.
Injuries from recreational activities, such as bicycle or horseback riding, are covered, but most travel policies exclude adventure sports or competing in organized sport events.
Many travel insurance carriers provide 24/7 customer support, including translators.

Additionally, some policies cover the cost upfront if you need care; others require you to pay for care and filefor reimbursement. Visitors to the U.S. should consider buying insurance from U.S.-based carriers. It islikely to be recognized and honored by more hospitals and doctors in the U.S.
Meeting VISA and Entry Requirements
Many countries started requiring visitors to show they have travel medical insurance upon arrival evenbefore the COVID-19 pandemic. So, carrying evidence you have travel insurance may be as important ascarrying your passport upon arrival.
If you are visiting Europe for up to 90 days, odds are you need a Schengen Visa, which requires proof oftravel medical insurance that meets their specified coverage requirements before being admitted.Schengen refers to the EU passport-free zone that covers 26 countries in Europe. There are no bordercontrols within the Schengen Zone. However, proof of Schengen-adequate insurance is necessary.
What Affects the Cost of Travel Insurance?
Travel insurance costs are based on:

Length of the trip: Costs are based on the number of days.
Your age: Like other medical insurance coverage, the price is higher for people who are older.
Amount of coverage: The total amount covered and choice of deductible affect the cost.
Medical conditions covered: Policies that cover pre-existing conditions cost more.
Cost of local health care: Health-care costs at your destination can drive up the price.
Cost of the trip: Pricing for policies with trip protection coverage is also based on trip cost.
Destination: Healthcare costs vary widely in different parts of the world. For example, coverage within the U.S. typically costs more than coverage elsewhere.

We are proud to feature GeoBlue travel medical insurance for U.S. residents traveling outside the U.S.These plans are accepted in over 180 countries. Yes, these plans meet the Schengen Visa requirements.Feel free to click here to price and purchase coverage.
For visitors to the U.S. (inbound) or including parts of the U.S. in their itinerary, we usually recommendSafe Travels USA from Trawick International.https://portal.trawickinternational.com/quote/product/119?agent=9696
A+ Plus Insurance Service also offers travel insurance from other carriers that could be better for elderly,visitors to the U.S., and other groups. Contact us to help determine which plan best fits your needs andyour budget.
Admitted coverage versus non-admitted coverage
There are big differences in your rights when you buy travel health insurance. Some plans are licensedand regulated in the U.S., while others are issued by companies outside the U.S. Plans that are U.S.licensed and approved are called “admitted insurance” and afford the strongest consumer protections.At RightPlan, we do sell some non-admitted policies, but from carriers we worked with for a longtime.
Admitted health insurance advantages include:
1. Consumer Protection U.S. insurance laws are strict to protect consumers. Policy language must befair and meet the plan English definition. Policy wording, plan definitions, exclusions, claimsturnaround times, formal appeals process must meet regulatory guidelines.2. Global Provider Networks What good is insurance if you can’t find a doctor you trust? The bestplans give you access to the best providers who are able to bill the insurance company directly. Inaddition, providers are selected based on their medical credentials, language proficiency and more.ALWAYS ask the insurer what their credentialing process entails.3. Richer Benefits Admitted benefits tend to be broader and deeper with fewer surprises at time ofclaim.4. The table below illustrates major differences between and admitted policy and a popular nonadmitted policy.

Coverage Considerations

Sample ProvisionsAdmitted Policy 

Sample ProvisionsNon-Admitted Policy 

Conforms to U.S. health insurance laws

Yes

No

Pre-Existing conditions covered to policy limit*

Yes

No

Terrorism covered with no excluded countries

Yes

No

Pre-certification not required for hospitalization  

Yes

No

Cashless access to profiled physicians and hospitals in 180 countries

Yes

No

		
																														
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#### Team
naama@rightplan.com            
                    
                Naama O. Pozniak CEO of Paz Holding, Inc.            
            
                SummaryNaama O. PozniakNaama O. Pozniak is Paz Holding Inc.’s ( dba RightPlan and RightPlan Service) CEO. She is a creative health insurance advisor who has served in the industry for thirty years. Aside from insurance, Naama is a mother, yogi, speaker, market disruptor, and a Primordial Sound Meditation Instructor (certified by the Chopra Center). From a very early age, Naama has practiced yoga and meditation. She is currently a certified Healthcare Reform, Medicare Specialist and a Covered CA Champion Certified agent/consultant. Together with her team, she has helped several thousands of people enroll in Covered CA, since January 1st, 2014. She is currently helping CEO’s & CFO’s reduce their medical spend and healthcare costs, while increasing certainty and optimizing Employer Healthcare Expense. Naama’s message and background has taken her to a very successful career in the benefits industry where she has been awarded and recognized as the “Most influential Woman” in benefit advising in 2016 and 2017. She is recognized nationally as the "Top of the Table producer" and holds the prestige life time “Soaring Eagle Award”. This past June, Naama was the recipient of the NAHU Distinguished Service Award for 2018. Lastly, she is currently the NAHU Region 8 Media chair and LAAHU Community Outreach chair.Naama has succeeded in having yoga and meditation approved by the California & Florida Department of Insurance and as Healthcare CE (Continuing Education). She currently teaches two classes: “Reducing Healthcare Costs with Yoga and Meditation” and “Meditation as a New Way to Wellness.” Naama is now teaching insurance professionals, employers, employees and any possible community member on how to start the journey of yoga and meditation, a practice that she holds dear to her heart. She is well-known for passionately spreading her love through this simple method and wisdom of healing.            
                
						Email Me					
                
																														
														
						Elayne Serrano						
							Senior Healthcare Specialist							
							In Memorium -1964-2022
																
																			
														
						Omar Oyanguren						
							Travel Insurance Specialist							
							Has been with RightPlan since July of 2014. Building on over 15 prior years of experience, Omar is aligned with the company’s purpose of being a spiritually and genuinely caring network and on top of the latest info for its clients. Omar obtained his Bachelors of Science from CSUN. Some of Omar’s passions are spirituality, nature, film, sports, theme parks, and ecological and social reform.
																
																			
														
						Dyanne Weiss						
							Senior Medicare and Employee Benefits Specialist							
							She joined RightPlan in 2019, bringing more than 25 years of experience in insurance and human resources. Dyanne helps Medicare clients find the right coverage for their needs, and she supports our Employer Groups with their employee benefits. She also manages our customer relationship management database and website content. Dyanne earned an MBA with an emphasis on Human Resources and a bachelor’s degree in Political Science and Journalism. In her spare time, she is an avid reader and enjoys theatre, museums, and yoga.
																
																			
														
						Silvana Fornas						
							Individual / Family Specialist							
							To be added

#### Testimonials
Jordan Stern             
                VP, TAG Employer Services            
            Wouldn't it be great to work with a benefit firm that handles your business as though it were their own? Well, if you are in California, and in search of benefits for your group then I would point you in the direction of Naama O. Pozniak and Elayne Serrano.Humanity, education and overall care are paramount with this group, and it is why I partner with them, and them alone, in the state of California!Do yourself a favor, do your business the service of working with these fine people.        
                                                        
                Robert K.            
            Great experience with A+ insurance. Elayne was able to really help me understand what plans I was browsing and helped me pick the best option. Extremely helpful and being clarity to choosing a plan.        
                                                        
                Smilka Djukich            
                West Hollywood            
            Dyanne was the most helpful as to direct me & answer all my questions in the most professional way TY        
                                                        
                Kelsey H.            
                 Los Angeles, CA            
            I can not recommend this agency enough! After months of stressing about the overwhelming world of health insurance, a friend sent me to A+ and I am truly so grateful. Faye was kind, personable, knowledgeable and made my experience so easy. I can't emphasize enough how shocked I am that I spent months uninsured and avoiding healthcare just to realize a 30 minute phone call with her would solve all of my worries! She is an angel that I am truly so grateful for
        
                                                        
                Miriam B.             
                Santa Monica            
            Could my small business qualify for group insurance? Why of course! Elayne Serrano, Dyanne Weiss, and Faye Jahangiri did a ton of legwork on our behalf to find the best plan for us, and answered with grace every time we peppered them with questions and requests. The team was responsive, friendly, and obviously care deeply about customer service. My business partner and I are enormously grateful for their hands-on "we've got this" attitude and fast turnaround.        
                                                        
                Sandra M Heart            
                Reseda            
            Dyanne Weiss of RightPlan Service provided fantastic service to me as a new Medicare enrollee. She presented all the viable options for Medicare insurance in a professional, concise and thorough manner. It was easy to sort through the different plans and pick the one that was right for me. I highly recommend Dyanne and Naama of RightPlan Service for all your health insurance needs.

#### Travel Insurance
Journey well and often
Congratulations on your upcoming trip! We hope you have a great time and stay safe. However, onelesson many people learned from the COVID-19 pandemic is the value of travel medical insurance. It helps makesure you can truly relax and know that you and your trip are protected.Travel insurance can cover the financial risk if you need to cancel or fall ill on an expensive tour orcruise. It allows someone visiting another country (whether traveling to or from the U.S.) to get medicalcare without incurring huge bills. Additionally, many countries now require those obtaining visas toshow they have travel medical coverage. Here are some policy types and protections you should beaware of:
Short-Term Travel Insurance:

For traveling outside the U.S. or coming here from other countries for a limited time
Includes plans for students and seniors. This is very important for those on Medicare, which does notreally cover you outside the U.S.

Long-Term Travel Insurance:

For people who travel outside the U.S. multiple times a year
Those with dual citizenship living in the U.S. for a longer period who may not be able to get regularhealth insurance
Medical coverage for expat Americans living abroad 

Trip Protection:

Protects your investment in the trip if cancelled or interrupted by illness and other reasons.

Depending on your needs and your length of travel, we can ensure you are medically and financiallyprotected when outside of the U.S. These policies have add-ons to protect you more, or you can purchasesomething more basic.Remember, anything can happen. Let’s make sure you don’t miss out on the fun planned or money spent!When you have your dates locked in, give us a call and we’ll find out which policy works best for you.

#### Trip Protection
Trip cancellation, interruption and delay
… because travel plans change
Trip cancellation, trip interruption and trip delay are different types of coverage you can purchase that protect the money you spent on the trip or unforeseen events force you to change your plans. Many package policies cover all three. Some of these benefits may also be included in a travel medical insurance policy, but it is important to check.
Since each of these coverage types is different, you should know the difference before purchasing a plan:

Trip cancellation coverage reimburses you for prepaid, nonrefundable expenses if you have to cancel the trip before it starts. Common covered reasons include:

Your own illness,
The illness or death of a family member,
Natural disasters, and
Workload forcing a change (on policies with a Cancel For Any Reason clause).

Trip interruption insurance reimburses you for nonrefundable costs and unexpected costs if a trip is unexpectedly cut short for a covered reason. Common reasons include getting ill on the trip or an unforeseen natural disaster forcing you to return early. Only things that you could not have foreseen before you left are covered.
Trip delay coverage addresses costs incurred for delays, such as missed connections. For example, if your flight is cancelled due to weather, a plan with trip delay benefits might cover hotel accommodations and meals until you could catch another flight.

One caveat on Trip Protection insurance policies is timing. You have to purchase the coverage shortly after paying for the tickets or tour (typically within 14-21 days). You cannot purchase the coverage later when you see there is a possible issue.
What affects Travel Protection insurance costs?
The price of a comprehensive plan varies depending on:

The length and cost of the trip: Since the coverage reimburses nonrefundable costs of the trip, a more expensive trip will cost more to cover.
Destination: Costs at your destination and likelihood of travel issues can affect costs.
Medical conditions covered: Coverage for pre-existing conditions is typically more costly.
Your age: Generally, the older you are, the higher the price.
Cancel for Any Reason coverage: Cancel for any reason clauses cover trips if insureds decide not to go, regardless of the reason.