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Kevin Knauss: Health, History, Travel, Insurance

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Thoughts of Kevin Knauss

Posts by Kevin Knauss on a variety of topics: health insurance, history, hiking, politics, LGBTQ+, railroads, plus whatever piques my interest.

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New Mental Health Benefits For 2021 California Health Plans

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Requiring health insurance policies to cover medically necessary prevention, diagnosis, and treatment of all mental health conditions, as well as substance use disorders, that are listed in the most recent version of the American Psychiatric Association’s Diagnostic and Statistical Manual of Mental Disorders (DSM-5) or the mental and behavioral disorders chapter of the most recent edition of the World Health Organization’s International Statistical Classification of Diseases and Related Health Problems (ICD-10).

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L. A. Care and UCLA Through Covered California

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I will note that when selecting the UCLA Medical Group from the drop-down list on the L. A. Care website, it will specify that limited enrollment is available. I don’t know if that means only the participating primary care physicians will accept a limited number of L. A. Care members or if the entire UCLA Medical Group is limited.

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How Much Do Health Insurance Agents Get Paid?

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Covered California does not pay agents to assist consumers with enrollments into individual and family plans. The insurance plan or carrier compensates the agent. Agents are not paid anything for answering questions about Covered California. They are only paid a commission if the person enrolls into a health plan the agent represents and is appointed with.

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Health Net Customer Service Flop

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Now, it seems they have set up their communication structure in such a way as to thwart any meaningful discussion between them, agents or potential consumers. If I can’t access information for my clients, then I am not providing all the services my clients expect. If the health plan throws up barriers to my access, then it is not a functional health plan in my eyes.

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Researching And Writing During The Covid Shutdown

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The San Francisco Library was also very gracious in scanning a letter to Catlin from A. T. Arrowsmith from 1853 that they had in their archive. Some of the material I was able to glean through email requests have become blog posts on my website. Other material either confirms certain aspects of Catlin’s life or supports my overall timeline.

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Is Dentistry In Your Future?

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The Premium plan is fairly comprehensive covering all of the minor and major dental services that are normally encountered. In addition, it also has limited coverage for teeth whitening, mouth-guards, orthodontics, and dental implants. The major services are covered at 50 percent after the 6-month waiting period. The 6-month waiting period is better than some plans that have a 12-month waiting period, but it also adds to the cost of the Premium plan.

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Out of State Emergency and Urgent Care With California Health Plans

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Unbeknownst to many people, most California health plans cover emergency care anywhere in the United States and treat it as if it were in-network. This means that if you have a Silver 70 plan and are rushed to the emergency room of the nearest hospital while on vacation in upstate New York, your copayment will be $400 just as if the emergency services were performed at your local home office.

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Avoiding California’s Health Care Mandate Penalty

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As of November 2020, the only way to apply for an exemption through Covered California was to use an online application that utilizes DocuSign. For individuals who do not own a computer or do not have internet access, this could be challenge. I have not found any paper exemption applications on the Covered California website. That doesn’t mean they are not there or that they won’t be created later.

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Hidden Features Benefits of Covered California: Income Protection, Family Split

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The only way you can ever receive the Premium Tax Credit subsidy to lower your health insurance premium, either on a monthly basis or when you file your federal or state tax return, is to enroll in a health plan through Covered California. The subsidy can be a form of income protection. In the event that the household has a sudden drop of income in the middle of the year, the Covered California application can be updated with the lower income amount and trigger the subsidy to lower the health insurance premium.

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Medicare 2021 Premiums, Deductibles, & Coinsurance

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Premiums, deductibles, and coinsurance for Original Medicare, 2021. Individuals with Medicare Advantage and Medicare Supplement plans may not realizes some of the higher Medicare costs.

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