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Kevin Knauss: Health, History, Travel, Insurance

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Blue Cross California Family Plans 2021 With Gaps

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Blue Cross will offer the standard benefit design metal tier plans through Covered California and off-exchange, direct from the carrier. They will also offer a few non-standard benefit design plans available off-exchange. Blue Cross will offer a Silver HMO plan off-exchange with no medical deductible and 0 percent coinsurance for medical services. The copayments are a little higher than the standard Silver 70 ($50 office visit, $85 specialist visit, emergency room visit $750) and the maximum out-of-pocket is $8,550 versus the $8,200 for a standard Silver 70.

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California Treasurer Impeached After Losing $200,000 in 1856 and 1857

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On January 3, 1857, Dr. Bates authorized the payment of $124,000 to Edwin Rowe of the Pacific Express Company for interest due in New York on July 1st. In sworn testimony, Dr. Bates confesses there was no Controller’s warrant for the disbursement. Dr. Bates left the Treasurer’s office at 1:30 PM while Rowe took charge of the gold coins. Dr. Bates told the clerk to drop the key to the safe at his hotel room later that evening. The clerk, Mr. Bunker, left the office at 3:30 PM while Rowe was still in the office counting the money.

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The California Mighty Oak Of The Leidesdorff Land Grant Dispute

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By today’s standards, it seems absolutely crazy that anyone would invest money in property or infrastructure when there was no clear title to the land and the State of California continually threatened to strip Folsom of his ownership of the Leidesdorff estate. But this was the state of California in the 1850s. Even before the untimely death of Folsom, he and other men were pushing forward with their development plans in Sacramento County. Folsom had been working with the Sacramento Valley Railroad to run a line from Sacramento to Negro Bar on the south side of the American River over the Leidesdorff land grant.

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Special California Covid Virus Enrollment Extended

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Covered California initially opened the health insurance exchange to any eligible uninsured individuals, who needed health care coverage amid the COVID-19 nation emergency, from March 20 to June 30. The new deadline means that anyone who meets Covered California’s eligibility requirements, which are similar to those in place during the annual open-enrollment period, can apply for coverage through July 31.

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California Pioneers Describe Early Sacramento Rivers, Drainage, and Sewer System

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Perhaps that was a necessity, although it does not seem to me to be so, because no solid or fecal matter is discharged into these sewers, or these drains which we call sewers. The city authorities have strictly adhered to the policy, if it is a policy, of having all the matter sink into the soil upon which the city is built, to saturate it, permeate it, and fester there and breed disease. And a city having a system of sewers like that comes into Court here in the name of the People of the State and complains that we have destroyed its sewerage system. Well, such a sewerage system as that ought to be destroyed. It never ought to be allowed to exist.

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California Health Plan Response To Coronavirus Covid-19, Testing, Services, Costs

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This is a review of the responses to the Coronavirus Covid-19 health care issues from the websites of most of the individual and family plan carriers in California. Some websites detail the response and cost of Covid-19 health care issues better than other. They all seem to be covering Covid-19 testing at no cost. The cost of other health care services are subject to the plan benefits.

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Oscar Misleading California Consumers of Health Plan Costs

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Regardless, an advertisement that misleads consumers to think they will just get a health plan for $1 per month is the sort of marketing that reinforces the public’s perception that the health insurance industry is sneaky and deceptive. If you are on Medi-Cal, you cannot get an Oscar health plan for $1. If you earn too much money to qualify for the federal Premium Tax Credit subsidies through Covered California, you cannot get a health plan for $1. If you want an Oscar health plan with UCLA or Hoag providers, offered only in the Circle network off-exchange, you cannot get health plan for $1.

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California Individual Mandate Penalty Cheap Compared To Cost of Health Insurance

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This disparity between penalty and the cost of health insurance is driving people to enroll in indemnity plan, discount health care plans, and the health care sharing programs. None of these programs are a substitute for real health insurance. But if a family can save $20,000, even after paying the penalty for not having coverage, that sort of cash goes a long way to meeting basic living expenses in California, plus a few trips to urgent care. And if the family is not subject to the penalty because the coverage is considered unaffordable, the individual mandate penalty is moot.

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How The 2020 California Health Plans Actually Work: Deductibles, Copays, Coinsurance, Maximum Out-of-Pocket Amounts

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But as you can see, there are far more services with a specified copayment or coinsurance percentage, not subject to the deductible, than health care services subject to the medical deductible. It’s possible to meet your maximum out-of-pocket amount without ever meeting the medical deductible.

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Small Group Special Enrollment To Avoid California Health Insurance Penalty

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Under California legislation SB 78, employees of small groups who had previously waived coverage will have a Special Enrollment Period to sign up for health insurance through their employer for 2020.

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