Health Insurance

Health Insurance has changed dramatically in the last couple of years.  2014 brought the first enrollments into the new Affordable Health Care Act compliant plans that include 10 minimum essential coverage requirements.  Individuals applying for coverage were Not subject to medical underwriting and could qualify for help with their premiums and/or deductibles and co-pays when applying through an exchange such as Covered California.

Individuals and Families

Open Enrollment for Individual and Family plans begin in October for January 1 effective dates.  You are only able to enroll outside of Open Enrollment if you experience a Qualifying Event such as adding a dependent to your household, losing your insurance through an employer or a divorce, just to name a few.

If you need help paying for your health insurance premiums you may be eligible to receive premium assistance by applying for health coverage through Covered California and choosing a plan with an available health insurance carrier.  The amount of premium assistance offered from Covered California will be based on the amount of your Modified Adjusted Gross Income. (MAGI)

We are licensed and certified to assist with your application either with the carrier directly or through Covered California.

Helpful Websites:
www.coveredca.com

IF you have a Qualifying Event, you can enroll outside of Open Enrollment during a Special Enrollment period.  But don’t delay there is a time limit for enrollment after you experience the Qualifying Event.  Find out if you have a qualifying event, follow the link below!

http://www.coveredca.com/individuals-and-families/getting-covered/special-enrollment/qualifying-life-events/

IF you qualify for Medi-Cal, you can enroll anytime during the year.

Atascadero Insurance Agency, Inc. is available to answer your questions regarding Special Enrollment and assist you with your application.

For the year’s 2018 and 2019, Blue Shield is the only individual and Family Insurance carrier for San Luis Obispo County. This does not count small and large group plans or Medicare Supplement plans.

Blue Shield offers Affordable Care Act compliant plans that provide a comprehensive package of items and services, known as essential health benefits.  These benefits include no cost preventive services, prescription drug coverage, emergency services and mental health care to name a few.

Beside comprehensive medical coverage, Blue Shield also offers dental and vision coverage to individuals.  Dental and vision plans do not adhere to Open Enrollment guidelines so you can apply for them at any time.

Please click on the Blue Shield buttons below for quotes on medical, dental or vision plans!

          

Please call Sheila Scott at (805) 466-1062 for your health care questions.

Sheila Scott – License #0E94510

Travel Insurance for World Travelers

Going on a trip abroad?  Wondering what happens if you get ill or have an accident while in a foreign country?  Check with your current health insurance policy.  Gain peace of mind by enrolling in an insurance plan designed for world travelers such as yourself.  Our policy covers unexpected problems that a regular health insurance plan might not cover such as:  emergency medical evacuation, repatriation of remains, terrorism and political evacuations.  Travel Insurance is affordable and should be included for your trip abroad.

Please click the link below for a quote.

Medicare Eligible

You have choices after becoming eligible for Medicare Parts A & B.  You can pair your Medicare Parts A & B with a Medicare Supplement Plan also so known as Medi-gap insurance, or you can enroll in a Medicare Advantage Plan.  A Medicare Advantage plan is a private plan that administers the benefits for Medicare Parts A & B, it is different than a Medicare Supplement plan.  We offer competitive rates from a variety of Medicare Supplement carriers and can show the options available for Medicare Advantage plans.  Please call to get the latest rate information.

Medicare Parts A & B do not cover prescription drug coverage, that falls under Part D.  Part D plans are government regulated plans offered from a private insurance carrier.  You are able to enroll in a Part D prescription drug plan to coincide with the effective dates of your Parts A & B if you wish.  There may be penalties for waiting to enroll when eligible.  Please call with questions on enrollment, we are certified to do that also!

 

Helpful Web-sites:
www.Medicare.gov
www.Socialsecurity.gov