This is not a physical item the guest wanted to return. It’s not like she purchased a car, drove it for a couple months and then wanted to return it for a full refund. She had not booked a vacation date for the Italian farm house which would have prevented another family from renting the vacation house. There is no injury to PAH for the termination of the purchase of the vacation package. The big loser is SHS since that nonprofit organization, who paid PAH for the vacation package, has to refund the guest’s $6,500 and lose out on the funds generated to cover the cost of the event.
Short-term, limited-duration insurance, which is not required to comply with federal market requirements governing individual health insurance coverage, can provide coverage for people transitioning between different coverage options, such as an individual who is between jobs, or a student taking time off from school, as well as for middle-class families without access to subsidized ACA plans.
So when an intelligent person calls me and wants my assistance with an insurance transaction that will benefit them greatly at the expense of all my other clients who faithfully make their premium payments every month, with no claims for years, I get an uneasy twinge in my gut. I am not a cheerleader for the health insurance companies. But at the same time I see no reason for me to facilitate an enrollment that will only add additional costs to the system when that client jumps out of the pool.
Over the last couple of years Covered California has been redesigning different parts of their online application to be less confusing to consumers. They have also enhanced sections such as the income portion to help guide consumers in selecting the correct entries. The document upload section is one of the last sections to get a face lift.
The big question is how do all these dental tools included in the dental plan help reduce the premiums. The tooth brushes wirelessly connect to a Beam application on the member’s smart phone. Yes, your toothbrush will use Bluetooth technology – isn’t that ironic – to log your household’s brushing frequency. All the frequencies from all the members in the group are then aggregated to provide a score. If the score is high enough, any future rate increase on the renewal date of the dental plan is reduced.
When I looked at the submitted application – there it was – I had to have selected the permanently moved to California QLE which is below loss of coverage. The permanent move to California QLE triggers the standard effective date of the 1st of the following month, in this case August 1st. So the family really did not have insurance for July!
So why is this significant? Because Kaiser was sending statements to the Covered California household for past due balances greater than one month. They were also sending termination notices even though they had already sent Covered California cancellation of the plan and Covered California terminated the enrollment. But Covered California will not investigate the erroneous terminations. They just tell the agents and consumers they have to deal with the health plan. In this case, the family has sent voluminous amounts of documents to Kaiser showing they made their premium payments.
I cannot vouch for the veracity of the image or its location in a public park. But the comments from individuals on Nextdoor were interesting because of how they broke along gender lines. Most women who commented were shocked and saddened at the noose display. Men who commented were generally dismissive and sarcastic in their replies.
It started as a small idea to honor regional Sacramento residents for their contributions to preserve our history, historical buildings and infrastructure. It quickly ballooned into a gala event that was very challenging for the small Sacramento Historical Society organization. Fortunately, we all kept the goal of acknowledging the substantial accomplishments of so many deserving people first and foremost as we organized the event.
Covered California consumers are penalized for having the good fortune of their household income’s increase. To add another layer of insult, if the consumer makes over 400% of the federal poverty level, they have to repay all the monthly tax credit subsidies they received during the year and pay for an artificially inflated Silver plan rate. Ouch!