Covered California leans against supporting rate regulating Prop. 45

In a presentation by Executive Director Peter Lee to the Board of Covered California on the potential effects of the health insurance rate regulation proposal to go before California voters in November, known as Prop. 45, it was clear the passage of the California Department of Insurance supported proposition could present significant challenges to the […]

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Robin Williams would still be alive if he had been homeless

Posted August 15, 2014 By Kevin Knauss
Why don't homeless men commit suicide like Robin Williams?

We see them across the United States. Homeless men and women, filthy, pushing shopping carts, diving in dumpsters, sleeping in tents and suffering from mental illness and substance abuse. Short of becoming a mercenary, they have sunk almost as low as any human being can and still be considered somewhat civilized. Yet, through all the […]

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Health Net drops PPO plans from Covered California

Posted August 11, 2014 By Kevin Knauss
Current Health Net members will be surprised to learn their individual and family PPO plans are changing to EPO in 2015.

A significant change to the plan types offered for individuals and families through Covered California for 2015 will be Health Net dropping their Preferred Provider Organization (PPO) plans. In place of the PPO health plans, Health Net will offer Exclusive Provider Organization (EPO) health plans. This change may be particularly significant for members who relied on […]

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Small changes between 2014 and 2015 health plan designs offered through Covered California.

There have been few changes to the standard benefit design between 2014 and 2015 health plans offered through Covered California. A comparison of the metal levels offered in 2014 to the standard benefit design announced by Covered California for 2015 individual and family plans reveals modest changes to copayment amounts for prescription drugs, maximum out-of-pocket […]

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Is Sacramento ready to build another dam?

Posted August 7, 2014 By Kevin Knauss
Maybe the Sacramento metropolitan region needs to build several small reservoirs to improve water reliability for the area.

If you’ve ever served on any committee you know that the topics of conversation can veer off course to peripheral discussions. At the last San Juan Water District Drought Committee meeting one of the participants threw out for discussion the possibility of San Juan Water District building their own dam for water storage. While the […]

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Covered California requires applicants to prove their identity.

On August 4th Covered California rolled out another enhancement to their CalHEERS program called “identity proofing”. Before an account holder, Covered California customer service representative (CSR) or Certified Insurance Agent can either Report a Change or create a new enrollment for a health plan, the primary applicant’s identity must be verified. This “Identity Proofing”, as […]

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The basics of Medi-Cal and how it works with Covered California.

Medi-Cal was one of the biggest mysteries during open enrollment in the new ACA health plans. Even though Covered California advertised a “no wrong door” approach to signing up for health insurance, when a client had to go through the Medi-Cal door, not even Covered California could tell them what to expect. Finally, seven months […]

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IRS releases draft ACA tax credit reporting forms

Posted July 29, 2014 By Kevin Knauss
IRS draft forms for reporting ACA tax credits are scary.

The IRS has released drafts of the tax forms that will be used to reconcile the amount of Advance Premium Tax Credit (APTC) received from an insurance exchange against how much the individual or family was entitled to based on their modified adjusted gross income. The various components used to determine the APTC (income, household […]

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Granite Bay water consumption drops without price hikes

Posted July 28, 2014 By Kevin Knauss
San Juan Water District Board Member gets ready to quaff down a refreshing pint of water absorbing polymers plumped with water.

As if to defy traditional market economics, the water consumption in the Granite Bay retail division of the San Juan Water District dropped without the advent price hikes. This water conservation, solely at the behest of the water districts and California officials, illustrates that consumers can change their consumption based on good information and awareness […]

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Put a cross on it and it looks like a burial mound to me.

From the shoreline of Granite Bay Beach Park at Folsom Lake you can probably see where Mr. Reppert was buried in 1849 in an unmarked grave far away from home and family. The death and burial of this gold rush miner comes to us from a fellow traveler and miner who wrote about his experiences […]

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