Open Enrollment Highlights

Happy Fall! Thanksgiving is fast approaching, and we are wishing you a very Happy Holiday Season!

We are in the middle of open enrollment. Here are some highlights from the trenches….

Individual and Family Plans
Oscar prices have gone up on average 10%. They are the least expensive plan on the market. Just about all our clients who have Oscar are staying with them. They have a very nice app to allow you to schedule appointments and their Teladoc feature allows you to talk to a doctor for free at any time from the comfort of being in front of your computer or phone.

Blue Shield prices have gone up on average 10-15%. We are not happy with this price increase, but they give you access to the widest range of doctors, and they remain the only option if you want to use Cedars-Sinai Hospital and networks.

If you want your coverage to continue and you are okay with the new rates, you do not need to do anything.

If you want to look at your options or adjust your income on Covered CA, we need to talk to you by Friday, December 14 for your new plan to start January 1st.


Please book your appointment here so that Phyllis Hyde or Tim Peterson can review your coverage: www.twpfinancial.com/schedule.

Medicare Drug Plan
If you are on a Humana drug plan their rate is going up to $29.90. If you are interested in finding out if there is a less expensive option based on your needs, please call or email us.

We are moving a lot of people to an Aetna plan for $19.10. All our recommendations are based on your medications, the pharmacy you go to and your home zip code. We do not take a cookie-cutter approach and put everyone on the lower premium plan since that might increase your overall cost.

Open enrollment period for Medicare (AEP) goes from October 15 to December 7th. New plans begin January 1.

Please note that some news sources saying the government has shortened the window for open enrollment DOES NOT apply to California as we have our own enrollment period which runs from October 15 - January 15, 2019.