Belmont Benefits: Insurance and Financial Services

Please be aware, open enrollment will continue on until January 31, 2020. The December 15, 2019 deadline is only for a January 1, 2020 effective. December 16, 2019 thru January 15, 2020 applications which are approved will have a February 1, 2020 effective date. Applications submitted between January 16, 2020 to January 31, 2020, your effective date will be March 1, 2020. Please send me either a text or email if you want to schedule a review. Most of you, your policy auto-renewed. As a reminder, you have until January 31, 2020 to make changes as we will continue to be in open enrollment until then. If you have any questions or concerns, please call me 310-940-3443.

The US COVID-19 death rate is 1.7% as of today - 149 deaths out of 8,736 known cases. To put in perspective, the 2009 Swine Flu where 61 million known Americans contracted it leading to 12,469 deaths, or .02%. If 61 million Americans catch COVID-19 at the current 1.7% death rate, expect 1.03 million to die. Scary. Maybe that's why everything is being shut down. If any of you experience any symptoms as mentioned on the many news outlets, call your doctor immediately. You ca...n also call the customer service phone number on the back of your Medical ID card to verify what the co-pays are for testing. As broker I can tell you, I’m receiving emails daily from all carriers regarding treatment and testing. What see is there will be no fees or prior approvals needed for COVID-19 tests, but make sure you check with carrier first about treatments, drugs and other items such as hospital stays and patient services for your responsibility. Every carrier, every plan is different. If you have any questions please contact me via email at. [email protected]. Stay safe and well! See more

Check out this video about HSA’s. As deductibles continue to rise, many are making the jump to higher deductibles to save premiums. Ideally those savings should be placed in an HSA for tax benefits.

Please be aware, open enrollment will continue on until January 31, 2020. The December 15, 2019 deadline is only for a January 1, 2020 effective. December 16, 2019 thru January 15, 2020 applications which are approved will have a February 1, 2020 effective date. Applications submitted between January 16, 2020 to January 31, 2020, your effective date will be March 1, 2020. Please send me either a text or email if you want to schedule a review. Most of you, your policy auto-renewed. As a reminder, you have until January 31, 2020 to make changes as we will continue to be in open enrollment until then. If you have any questions or concerns, please call me 310-940-3443.

To all my Scan my members, make sure you visit their website at www.scanhealthplan.com to find providers, view the list of covered drugs, plan benefits and more. A simple registration is all that you need to do. If you have any questions about your benefits, want to switch your IPA or primary doctors, please don't hesitate to contact me. Remember, for LA and OC plans, there are additional benefits for 2020. Ask me about the FitBit, Over-the-counter benefits, Teledoc for $0 co-pay and more. My cell is 310-940-3443.

Important Open Enrollment Dates: Individual Health Insurance Plans: November 1 to Dec 15 for January 1, 2020 Effective date. Medicare Annual Election... October 15 to December 7 for January 1, 2020 Effective. Please call or text me at 310-940-3443 to request a review. Don't delay, once Dec 15 passes, you will not be able to enroll in a health insurance plan for 2020 unless you have a special qualifying event such as a new job, loss of job, Marriage, Divorce, birth of a child or move out of the service area. Loss of coverage due to non-payment is not a special event. So, always stay current on your payments.

On vacation until Dec 26th *If you need anything, please send correspondence to: [email protected].

As you can imagine, this is a chaotic time. Please be patient. Most of you will be rolled over to your existing plans. The December 15th deadline for ACA plans merely is to achieve a Jan 1, 2018 effective. Open enrollment ends Jan 31. So, depending on when you make a change, or enroll, you can still be eligible for effective dates of Jan 1, Feb 1 or even as late as Mar 1, 2018. If you have questions, about anything, your plan, your renewal, or anything else please text me at 310-940-3443 or email me at [email protected] FYI: Covered Ca lines are having difficulties, and his is delaying my services for you. Please be patient, I appreciate it!

Diabetes is a major factor in your Medicare and Health Insurance rates... Diabetes is draining resources and driving up costs for carriers as it affects over 50% of certain demographics across the country. Now that all carriers must not exclude anyone from coverage due to pre-existing conditions such as diabetes, all these individuals are now in the insurance pool and claims are soaring... this is real. We have politicians trying to shift taxes and eliminate benefits mer...ely to cut your premiums, but until we address what helps fuel your premiums, high healthcare costs based on profits and preventable diseases due to diet, rates will continue to rise. What can you or I do? Spread the word. Eat healthy. Exercise and promote taxation on high sugar and processed foods to fund education and prevention, like the tobacco industry was forced to do. Please read this article: #diabetes #healthcare

Just what the heck is an HSA? More and more of my clients are realizing the benefits of having a Health Savings Account (HSA). There are two types of insurance plans, those who are set up as a HSA, and those which are not. Is yours? Let me know if you would like us analyze if you should change to one. In today’s market, it’s a viable option for many. Check out these links, they contain a lot of valuable information. ... Here’s the generic Healthcare.gov link... https://www.healthcare.gov/glos/health-savings-account-HSA/ And here is a consumer friendly link from BofA

Dates to remember... Dec 7, deadline for Medicare Annual Election Period changes for a Jan 1, 2018 effective Dec 15, deadline to get a Jan 1, 2018 effective for any individual/family health insurance plan. ... Jan 31, 2018 deadline for open Enrollment for individual/family health insurance plans. Please call, text or email me if you want a review or comparisons. Any and all carriers are available.

Open Enrollment dates: Nov 1, 2017 to Jan 31, 2018 is for all Individual plans either on Covered Ca or outside of of Covered Ca. This does not affect you if you are on an employer based group plan. Medicare: 65 years and older or Disabled open enrollment is Oct 15 to Dec 7, 2017... I will be in contact with you all if I haven't already done so to review your plans and options. As always, please call/text me at 310-940-3443 if you have questions, concerns or problems with the carriers or doctors/facilities over benefits or billing issues. It has been a constant problem with all carriers with billing. It has caused cancellations and an extreme amount of time fixing problems. Please call if there are any issues as by the time it gets to me, it's too late to fix without weeks and sometimes months if appeals. Email: [email protected]

For all my clients who have had issues with ACA (Obamacare) open enrollment and other issues such as billing issues which resulted in termination or unfair, unreasonable and absurd offers to reinstate and need insurance now, not later. After June 21, 2017, I will be certified to offer Health Share plans which is a viable option for many, and fully satisfies the insurance mandate!! Please feel free to contact me asap or let a friend know they can avoid tax penalties and get covered outside of open enrollment. #HealthShare

April 18, 2017 is the tax deadline. If you need help obtaining your 1095A, please call me. It's easy for me to send to you if need be.