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Showing posts from November, 2012

California Exchange named "Covered California"

The California Health Benefits Exchange has approved the name for the Exchange, which will open on January 1, 2014.

Although I though "Avocado" was cool, and also liked "Condor" quite a lot (and hated Ursa which did make the finals), those names were eliminated in test panels and "Covered California" was chosen as the new exchange name going forward.


Exchange marketing is set to begin on July 1, 2013 and we should have a clearer idea on both Qualified Plan design and pricing in the market (inside or outside of the exchange).

Blue Shield of California Extends "Birthday Rule" Medi-Gap Open Enrollment

Blue Shield of California (and Blue Shield Life & Health) has extended the Medicare Supplement change period through February 2013.

California is one of the few states that has a "birthday rule" with regard to those on Medicare with a Medicare Supplement or "Medi-Gap" plan.  In California, those on Medicare may choose to move to a "like or lesser" supplement plan every year on their birthday and 30 days thereafter.

Blue Shield of California currently offers an 'anytime' option for those wishing to move to a like or lesser Medicare Supplement with Blue Shield from their current Supplement plan.

Blue Shield has raised Supplement rates for the first time in 2 years effective December 1, 2012.  They also reduced the "new to Medicare" first year monthly discount from $20 per month to $15 per month and increased the discount for paying by check/savings deduction from $2 per month to $3 per month.

Blue Shield Medicare Supplement plans include t…

Anthem Blue Cross IFP Rate Action 2/1/13

Anthem Blue Cross has announced a rate action from California individual & family health plans that will take effect on February 1, 2013.  This rate action does not effect HIPAA nor Conversion policies but does effect underwritten Blue Cross of California and Blue Cross Life & Health policies.

Anthem will begin sending notifications to effected members this month.  

For those who continue to be eligible for plan change options under either Serencsa or Feller-Freed (or both) and experience a rate increase, enrollment periods for this rate change will be made available for February 1 plan changes.


California Senior Gateway Protection Web Site Online

California Insurance Commissioner Dave Jones recently announced a new web site designed to help protect California Seniors from fraud, scams, abuse and neglect.

The Senior Gateway web site is a California state-sponsored site and is a "one stop" web site intended to provide seniors, their families and caregivers with the information they need to connect to helpful services and resources, to find answers and to solve problems.
This site is an excellent resource to help protect California seniors  Click on the link below to visit the California Senior Gateway site.

California Senior Gateway


Medicare Changes for 2013

Medicare has released new premium and deductible numbers for 2013. They are as follows:

*Medicare Part A Deductible 2013   $1,184 (up from $1,156 in 2012)
*Medicare Part B Deductible 2013   $147    (up from $140 in 2012)

Medicare Part B Premiums 2013:

*Singles with income $85,000 or less or Joint $170,000 or less will pay $104.90 
(up from $99.90 in 2012)

*Singles with income $85,001 to $107,000 or Joint $170,001 to Joint $214,000 will pay $146.90 
(up from $139.90 in 2012)

*Singles with income $107,001 to $160,000 or Joint $214,001 to $320,000 will pay $209.80 
(up from $199.80 in 2012)

*Singles with income $160,001 to $214,000 or Joint $320,001 to $428,000 will pay $272.70 
(up from $259.70 in 2012)

*Singles with income $214,001 and above or Joint $428,001 and above will pay $335.70