Quick answer: The California birthday rule gives people who already have Medigap a yearly window of at least 60 days, starting on their birthday, to change policies without medical underwriting. It rests on three conditions: you hold a current policy, you apply inside the window, and the replacement offers equal or lesser benefits. Most people use it to buy the … Read More
Small Business Health Plans
We represent all major carriers—including Anthem, Aetna, Blue Shield, Health Net, Kaiser Permanente, and UnitedHealthcare— and can design a comprehensive benefits package that perfectly fits your team’s unique needs and your company’s budget. We will evaluate everything from cost-effective HMOs to broader PPO networks to find the ideal fit. My goal is to make the administrative side of benefits completely hands-off for you, allowing you to focus … Read More
What Happens If You Don’t Pay Your Health Insurance Premium?
If you don’t pay your health insurance premium, you may have to face plan cancellation or an error on Form 1095-A. Luckily, there is a grace period in place. This means you have at least three months to pay up. Otherwise, you’ll end up back at the beginning of the year. Plan Cancellation It’s possible for your individual plan to … Read More
How to Get the Most Out of Your Health Insurance Plan
Health insurance is a necessity for many people. It’s important for those who have health insurance to understand the plan and what is covered. Too often, people don’t use their health insurance to its full potential because they don’t understand the coverage. This article will help you understand your health insurance plan and how to get the most out of … Read More