Best ways to check if your providers participate in the network for “off-exchange”, non-CoveredCA plans.

Ensuring your “must have” providers are in your health plan’s network is not as easy as it should be. Some PPO carriers have gone to narrower networks (namely Anthem Blue Cross, Blue Shield and CIGNA) so it’s important to check provider participation. Although carriers each have a provider search tool on their website, search tools are not always easy to use or up-to-date.

Before finalizing your health insurance carrier and plan decision, you’ll want to take several steps to make sure your providers take your plan. Although the following suggestions are not fail proof, they can provide some peace of mind that your providers are likely “ in-network”. Continue reading

Open Enrollment starts November 1!

The annual health insurance open enrollment period is fast approaching! This is the time when individuals and families already enrolled in ACA-compliant coverage can review their health insurance and make a plan change, and when those without coverage can enroll as well.  This year, more than ever, it is important to be informed of the changes coming to your specific plan and California’s health insurance marketplace in general.  Read your carrier renewal packets thoroughly!

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Dental Insurance – Is it worth it?

If you are like the millions of Americans who don’t have dental insurance provided by an employer, you may wonder why there aren’t more “reasonable” insurance products available in the individual market.  There is no shortage of individual dental plans; all medical insurance companies offer them.  But after looking more closely many people conclude correctly that it just doesn’t add up.  So how come? The devil is in the details. Continue reading

What to do while “locked-in”.

Many of us in individual health plans are unable to make a plan change outside of open enrollment.  Unless you have a qualifying event, such as a change in family status, a move, or the loss of group health insurance, you may have to wait until open enrollment (November 1, 2015 – January 31, 2016) to make a plan change.  While “locked-in” here are some tips on how to improve your health, stay informed and save money: Continue reading

A Case of the Flu.

2015 started with a bang…actually with a cough.  Like many in my circle of friends and acquaintances, I got the flu.  After a few days of suffering, I found myself on a Saturday morning in mid-January with a choice to make. Do I continue with my Nyquil binge and wait till Monday to see my doctor or head out now to visit an Urgent Care center?   Continue reading