The 1095-A is almost as important as filing taxes. Even if you did not owe taxes in 2017, but still received the APTC, you have to file a tax return. Covered California has been notified by the IRS if a current household, receiving the subsidy, has not filed a 2017 tax return. Covered California is sending out letters to consumers that their current monthly APTC subsidy will be terminated if they do not resolve the issue.
At first, I was only going to get one tattoo of the cubist couple. But it seemed unbalanced, so I designed the second part of the cubist couple for the other leg. Then I was hooked. I loved the creative process of taking an image I enjoyed pondering over and decided to design more simple tattoos. Only this time, I decided to incorporate my interest in clocks and watches.
If you think regular health insurance is filled with loop-holes and caveats to avoid paying health care claims, read the fine print on the HCSM. It can be difficult to know if the HCSM will pay on certain claims under certain conditions. Then there is the wild card of denial because of how the injury or illness occurred that is not explicitly included or excluded in the plan. For example, if you are at a gay bar and are dancing, then trip and break your ankle, will it be covered if the HCSM does not approve of activities involving the gay community?
Between the single carrier option or the small group exchanges, it doesn’t appear that one has better rates over the other. In general, HMO plans will always be less expensive than PPO plans. You should get quotes for plans from a single carrier as well as the small group exchanges. Even though the information can seem overwhelming, that’s where your insurance agent can help filter out carriers and plans that don’t fit your needs.
1887 Gallatin Steffens: Letter noting the sale from Gallatin to Joseph Steffens, E ½ of Lot 5 between I and J streets and 18 and 19 streets. Gallatin sold his Victorian mansion to Steffens that later became the California Governor’s Mansion.
When I first read about the OutBüro Care+Plan, with its rainbow and transgender flags prominently displayed in the brochure, I was excited about a health program that focused on the unique health care needs of the LGBTQ+ community. I erroneously thought that the doctors and other providers would all be LGBTQ+ understanding and welcoming. Unfortunately, the more I read the brochure and saw the companies involved, I could see this was just the old discount plan gift wrapped in a rainbow flag.
If the carriers feel threatened by the HCSM plans, they should lobby the legislature to ban those plans as well. Don’t use health insurance agents, under the guise of retribution from Covered California, to achieve the objective of limiting the enrollment in these plans. I completely get that if all the healthy people leave the pool, the carriers are going to have problems paying claims, and may exit the market altogether. We don’t want this to happen. But I’m just the agent. Don’t shoot me to protect your business model.
Develop a mobile application that tourists, visitors, and local residents can download onto their mobile device that would show a variety of historical sites, structures, landmarks, and museums within prescribed radius around their current location or region they may be visiting in the future. Some people have compared the historical sites mobile app to the dating apps, where the history lover is searching for an afternoon date at a historic site or museum.
The Special Enrollment Period, Qualifying Life Events, and changes to income are VERY date sensitive. It can also be a little confusing in terms of what dates to use. If you don’t enter the correct dates, such as when income stopped or started, the application process can go sideways and you might be determined eligible for Medi-Cal. When in doubt, call your agent or the Covered California customer service line to determine the correct dates for your qualifying life event.
Medicare has released their new Procedure Price Lookup website to help Medicare beneficiaries estimate the cost of health care procedures. As Medicare indicates in their footnotes, the prices are national averages based on 2018 data. Prices and the cost-sharing amount for the beneficiary will vary by region. The prices are for outpatient health care services […]