Kevin Knauss: Health, History, Travel, Insurance
In an effort to suppress enrollment into Part D drug plans, most of the plan sponsors have made the plans non-commissionable to health insurance agents. In other words, a health insurance agent will receive no commission if they enroll a Medicare beneficiary into the majority of the plans offered.
This is where the human element comes in. You must listen to each paragraph of the book to make sure the correct character’s voice is speaking, the pronunciation is acceptable and correct any typos. There will be times when you have to add text to clarify the topic. I had to do this when I removed an image. I needed to describe the image in the audio version. Or, AI will speak literally. The phrase “Wells, Fargo, and Co.” is literally spoken as “Co” for the last word. I had to spell it out as “company.”
To estimate how much Advance Premium Tax Credit subsidy you may have to repay, start with the Covered California Shop and Compare tool.
Address Change SEP: If you must move because of your illness and your existing health plan is not offered, then you could change health plan and metal tier.
Not all plans include the SSBCI support. You can enroll in a Medicare Advantage plan that has the SSBCI even if you don’t qualify for the extra benefits. You can search on Medicare.gov for plans that include SSBCI. You can also ask your insurance agent to search for Medicare Advantage plans that include SSBCI that might support you.
It’s also important to learn if you or your family member will have any other coverage like an employer group retirement plan, VA (Veterans Administration) or Tricare for life. Sometimes you do not want to leave an employer group plan because once you leave you may not be able to get it back. Sometimes people will stay with VA for drug coverage but need additional help for healthcare services through a Medicare Advantage plan. Talk with those organizations to make sure that none of the changes you may be making such as enrolling in a drug plan or Medicare Advantage plan will for some reason terminate coverage in that existing group plan.
However, the percentage rate age increase is not a straight line. The carriers use a formula to increase the premiums between ages. Consequently, between the ages 16 and 17, there is a 3 percent rate increase. Interestingly, there is no age increase between the ages of 22, 23, and 24. Then the increase spikes in your late 20s, which is usually the time many people are starting families.
You wonder if some carriers will continue to offer individual and family plans. Balance by Chinese Community Health Plan enrolled 3,740 plan members. Of those enrolled, 750 were unsubsidized paying the full premium amount. Balance by CCHP will have a 14.6 percent rate increase in 2027. If a significant number of their members switch carriers or drop health insurance, can Balance by CCHP survive?
To meet the work requirement to maintain Medi-Cal eligibility, you need to earn at least $580 a month. You are exempt if you are volunteering 80 hours per month or attending school half-time.
My customer service ratings are subjective based on my interaction with the carriers and reports from clients. What you will notice is that potentially those smaller regional carriers are going to have better than average customer service. Why? They’re smaller. Generally, the customer service staff is in California. It’s not offshored, so you’re usually talking to an individual when you can get through and actually talk to someone.
