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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: not reporting to the IRS as a large employers: less than 100 employees:

Blessings for a wonderful day!

Consequences of the Healthcare Reform


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.

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.

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 [...].

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 if they do not provide information in the next few weeks showing they are US citizens or legal residents.

New HTH Case Study



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.


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.