PLEASE CALL US BEFORE YOU DO ANYTHING WITH YOUR CURRENT COVERAGE AND WE CAN HELP ADVISE YOU ON YOUR BEST COURSE OF ACTION.

WHEN DOES IT ALL START ? Some of the provisions of the Patient Protection and Affordable Healthcare Act (Obama Care) went into effect immediately on passage, some in September of 2010, and others spread all the way out until 2015.

October 1st 2013 is the start of individual enrollment with companies participating in the Health Insurance Exchange, called Covered California in our state, and also enrollment in the new carrier direct Individual Guaranteed Issue plans issued outside the exchange; both types of plans effective January 1st, 2014 . Whether inside or outside the exchange, there are numerous plans and options for consideration. Our office is currently attending training and will be certified to sell and advise you on all your options.

EXISTING HEALTH PLAN CHANGES: Those with existing health plans will see changes made to those plans to conform to the new law. There will be mandatory changes to all plans, as they must be “guaranteed issue” for pre-existing conditions and provide other benefits such as preventative screening and “well care “ benefits. You may “freeze” or “grandfather” your existing plan, but none of the new benefits will be included and you will not be able to make changes, additions or deletions to that existing plan. However, some experts are predicting “Grandfathered” plans may become less expensive going forward as the plans are not required to implement many of the new benefits. Time will tell.

THER ARE A LOT OF CHOICES OUT THERE: With Healthcare Reform, we are here for you !.