Good News: Healthcare Reform & Medicare

We are ready to sell plans for Covered California.

The main reason a person would get a plan on Covered California is if their income is below the guidelines on this chart.

If you qualify for a subsidy or are unsure if you qualify, please let us know, and we will help you make that determination and ultimately enroll you in a plan. Covered California cannot yet accept applications online, which means that everything needs to be done via paper applications. We can get the application to you by email, snail mail or you can come to our office to fill it out.

If you clearly make more that the income guidelines, we are recommending you wait until after November 1, 2013 to sign up for a new plan. The rates for the "off the exchange" plans are currently only available with two of the five carriers in California (Kaiser and Blue Shield). In November all the carriers should have their rates available and then we can look at the all the options to determine the best value for you.

As always, there is never an extra fee for our insurance services – the carriers pay us on their end.

Medicare Annual Election Period Begins!

October 15, 2013 was the beginning of the annual Medicare enrollment season. If you have a Medicare Advantage Plan this is the time where we can review your coverage and possibly change you to a new plan.

One big change is that Anthem unfortunately raised their PPO plan rates from $28 to $80 in Los Angeles County. If you have this plan, we can look at other options for you like a Medicare Supplement plan or an HMO Medicare Advantage plan.

If you have a Medicare Supplement plan and Part D (drug) plan, we can also change your Part D at this time. Humana has a new plan for $12.60 a month which could be a good choice if you do not take a lot of medications.

Keep In Touch

If you want to have us address your situation right now, please contact us. Otherwise our goal is to contact you before December 15 if you are under 65 and prior to December 7 if you are over 65 and on Medicare!

Investment advice is offered by Horter Investment Management, LLC, a Registered Investment Adviser. Insurance and annuity products are sold separately through TWP Financial. Securities transactions for Horter Investment Management clients are placed through Pershing Advisor Solutions, Trust Company of America, Jefferson National Monument Advisor, Fidelity, Security Benefit Life and FC Stone.