Kevin Knauss: Health, History, Travel, Insurance
In yet another sign of the erosion of health insurance commissions for agents, Cigna has informed their appointed agents that they will not pay commissions on most of their California health plans in 2016. Cigna has stripped away any agent compensation for their 2016 Silver, Gold, and, Platinum plans sold during open enrollment. In addition, there will be no commissions paid on any health plan that an agent helps a client enroll into during a Special Enrollment Period in 2016.
On a warm autumn October day the Placerville and Sacramento Valley Railroad (PSVRR) ran special short excision train trips for members of the Southern Pacific Historical and Technical Society. I was fortunate enough to be a guest and document the day’s activities. Just as the original railroad grade was cut by hand in the 1860’s, there are numerous volunteers that expend real physical labor to keep this historic rail line in operation. Video and photo gallery
Covered California Certified Insurance Agents assisted 429,365 individuals for possible enrollment into the expanded ACA Medi-Cal health insurance from January 1, 2014 through July 31st, 2015. The Medi-Cal assistance enrollment figure comes from a Public Records Act Request that I submitted in early October of 2015 to Covered California. As the $58 compensation to agents for Medi-Cal enrollments ceased over the summer I felt it was important to learn the level of agent involvement with funneling Californians in Medi-Cal health plans.
For history buffs there is nothing closer to heaven than examining an old map. I share that fascination and also enjoy sharing old maps that I’ve found. Recently I uploaded a map published in 1910 by the American River & Natomas Water & Mining Company illustrating their network of canals. The map is generally topographically accurate and includes some place names not found on previous or later topographical maps.
I had always noticed Rose Springs and Rock Springs marked on maps that encompassed the south Placer county region we know today as Granite Bay. It wasn’t until Folsom Lake hit historically low water levels that what I think are Rose and Rock springs became apparent to me.
With the North Fork of the American River actually flowing around Rattlesnake Bar since the stationary waters of Folsom Lake didn’t occur until around the bend at Horseshoe Bar, I figured I might be able walk across the river to explore Goose Flats and the old mining operations. I thought if the miners of the 1850’s could ford the river so could I. Much of the bottom and banks of the river are choked with mud, muck and sediment as the lake elevation can be eighty feet above the river bed at Rattlesnake Bar.
I wouldn’t have believed if I had not seen with my own eyes. For months the Covered California account of a client showed one of the household members enrolled in an Anthem Blue Cross plan. Then one day it disappeared. All Covered California can say is that they don’t see the member ever being enrolled. The client continues to pay for the phantom Anthem Blue Cross that Covered California says never existed. How was this enrollment information erased?
One of the most frustrating aspects of the Affordable Care Act is that it excludes family members from receiving the premium tax credits to reduce their health insurance if one of the parents is offered affordable employer group health insurance. One way around this problem is for the employer to offer employee only coverage. Covered California for Small Business health insurance exchange offers the employee only option for employers when they set up their group health plans.
Individual and family plans offered through Covered California in 2016 will include new pharmacy prescription drug benefits. The benefit, also mirrored in many off-exchange health plans, caps the amount a consumer must pay every month for a particular prescription. While that sounds straight forward, the rules surrounding any pharmacy deductible and tiered drug formulary can be complicated and confusing.
A 2015 drought depleted Folsom Lake has allowed a rare opportunity to hike from the current Salmon Falls bridge over the South Fork of the American River all the way down to the old bridge which is usually covered by Folsom Lake. What makes this hike so special is that the South Fork of the American is flowing free like a river should.
