Blue Shield

Anthem and Blue Shield Now Have Mobile Apps

With Anthem's New app you can:

  • Access an exact copy of your ID card
  • Find doctors in your network
  • Gain quick access to your health record
  • Use tools to refill and manage your prescriptions

And the latest update now includes touch authentication* — using just your fingerprint.  No new passwords to remember, so, it's secure, but also convenient. Download the Anthem Blue Cross mobile app today from Google Play or iTunes! Or, Learn More Here

Blue Shield's New App: 

Blue Shield members can now get more health plan and healthcare services information anytime, anywhere. We designed the Blue Shield mobile website and mobile apps for easier access to more helpful online features and functions. Download Here

Good News: Blue Shield Individual (Under-65) Plans are Now Accepted at UCLA and Cedars-Sinai

Blue Shield of California has reached a long-awaited agreement with University of California Health System (Hospitals and IPA/Medical Groups), including UC Davis Medical Group, UC Davis Medical Center, UCLA Medical Group, Ronald Reagan UCLA Medical Center, UCLA Medical Center Santa Monica, UC Irvine, UCSD Medical Center, UCSD La Jolla, UCSF Medical Center, UCSF Mt. Zion, Langley Porter Neuro Psychiatric Institute, and UCSF Medical Center at Mission Bay.

Effective July 1, 2015 the University of California Health System providers will be participating in Blue Shield's Individual and Family Plan (IFP) Exclusive PPO Network and IFP EPO Network with Covered California on-Exchange and off-Exchange directly through Blue Shield.

This is great news! Blue Shield’s network is finally growing and now has a similar size network to Anthem’s. Blue Shield is also a PPO plan so it will also pay for out of network services. This can be very important especially if you see a therapist since most therapists do not take insurance. In this situation, we recommend a gold or platinum plan so you do not need to meet a deductible before getting a reimbursement.

Get Ready for Open Another Open Enrollment!

The Fall Open Enrollment will be here before we know it. This is our busy season and our goal is that each one of you feels you are given white-glove service. We will be contacting you to set up an appointment to talk about your health plan during the open enrollment periods.

Here is the schedule:

Medicare Open Enrollment for Medicare Advantage and Part D Plans: October 15 – December 7

Individual Plans: November 1 – January 31, 2016

Update on Assurant:

Unfortunately, Assurant is closing their doors for health insurance business so we will be contacting all of our Assurant clients to make sure they are successfully moved to a new plan by December 15, 2015.  Let us know if you know someone that could also use our help in moving from Assurant to a new plan. As always, there is never any extra fee for our services when we help with insurance related products.

Please give us a call at 424-288-4254 if you have any questions.

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.

Important Healthcare Update

The Country is embarking on the biggest change in Healthcare since adding Medicare. Unfortunately, it is a messy process, but we are here to help you get through it. Here is the latest that we know about the upcoming Open Enrollment period.

Covered California is slowly getting everything together. We most likely won’t have the ability to enroll people with them until October 10. We are frustrated by this delay, but it is out of our control.

Anthem Blue Cross has not yet had their rates approved by the California Department of Insurance.  They have told us that they will release the rates and plans as soon as possible, but they have not given us a date.

Blue Shield has released their rates and plans.  If you are our Blue Shield client we can talk to you about your new rates if you were to stay on a similar plan with them, but we will not have the opportunity to shop new plans for you until all the other carriers are active. Some people’s rates have doubled (including ours), some have gone up 5-7% and others have gone down.

CIGNA will not release their new rates until November 1.  If you are a CIGNA client you will be offered the opportunity to renew your plan through December 2014; however, we will not know your new rates until November.

HealthNet has released their rates and plans.  If you are a HealthNet client you will be receiving a letter from them next week about your options.  We will be able to speak with you then as well.

If you are with another carrier like AetnaKaiser, or Pacific Care, we will be in touch with you soon once the quoting engines open!

That’s all the news for now!  We wish it was more positive but the dust is starting to settle. We will keep sending out newsletters as we know more.

As always, we send you our best wishes and have a good weekend.