People who are HIV positive are living longer and leading healthy and fulfilling lives because of advances in drug therapies to control the disease. The life insurance industry has taken note and has … [Read More...]
People who are HIV positive are living longer and leading healthy and fulfilling lives because of advances in drug therapies to control the disease. The life insurance industry has taken note and has started to offer life insurance products to those living with HIV. The life insurance rates for people with HIV are actually reasonable for some income levels.
Consumers receive letters from Covered California stating that their estimated income doesn’t match with their most recent federal tax return. This has led many consumers to assume that Covered California can actually view a taxpayer’s federal return. Covered California can’t see a consumer’s federal tax return unless they send it to them to verify their income.
While the Affordable Care Act has brought transparency for consumers to compare health insurance plans, it has failed to lift the veil of secrecy surrounding how much health care services actually cost. This is particularly important for consumers who have high deductible PPO Bronze plans who would like to learn the health plan’s negotiated rate for a health care procedure.
Covered California is not very health insurance agent friendly when it comes to managing an agent’s book of business. Agents seem to be the last to know when Covered California or Medi-Cal makes changes to a client’s account and either strips their premium assistance or dumps them into Medi-Cal. Covered California has developed book of business and conditional eligibility reports for an agent’s clients enrolled in health plans through Covered California.
Thousands of people every week visit my blog posts explaining different aspects of health care reform from enrolling through Covered California, income requirements, and Medi-Cal eligibility questions. Many people leave comments or suggestions to help other readers of the posts. The Obamacare question and answer forum is supported, oddly enough, by my health insurance clients. These health insurance consumers are supporting a website viewed by thousands of people each week with questions about health insurance.
As of April 2016, when a consumer makes their first month’s payment for their Blue Shield health plan, the money is never applied to their account.
For independent health insurance agents, such as me, who don’t have access to an already established secure network through a large agency, we have to be more diligent in securing all the different parts of the internet communication puzzle.
Built into the Affordable Care Act is the loss of the health insurance subsidy when the household income exceeds 400% of the federal poverty line. For older adults whose income might be greater than 400% of the federal poverty line they face losing the Advance Premium Tax Credits that makes their health insurance premiums affordable. In some instances the health insurance premiums can shoot up to over 20% of their income.
Medi-Cal advocate Beth Capell smeared the reputation of all health insurance agents by insinuating that agents enroll Medi-Cal eligible children in private plans just for the commissions they derive from those enrollments. Ms. Capell is assuming, incorrectly, that all health agents put money above the best interest of their clients. It’s unclear where Ms. Capell’s animus towards health agents springs from when thousands of agents have assisted tens of thousands of families with enrollment in Covered California and Medi-Cal health plans.
In a March update to the Covered California enrollment software, individuals and families who indicated their preferred method of contact was email will actually start to get notifications from Covered California to their email addresses. The email will alert the consumer that there is an electronic letter in their secure Covered California Mailbox. This doesn’t mean Covered California will stop sending out reams of confusing letters to members, it just means that people can read them or delete them online.