Your Health Insurance

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I need health insurance
What are my options?

If you are uninsured or about to lose your health insurance, it is important that you understand your choices, including pricing information. It is also important to get health insurance coverage and medical care before you need it to prevent the worsening of your condition. Any condition or symptom left untreated can lead to health complications that may be life-threatening.

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Health Insurance 101
Understanding the Basics

Most Americans get health insurance through a plan offered by their employer or they buy it themselves from an insurance company. There are many different kinds of private health insurance policies and the benefits vary, depending on the plan. And starting Jan. 1, 2014, you are required by law to have health insurance coverage or be subject to pay a penalty (certain exceptions apply). Visit Covered California for more information.

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Covered California™

Covered California™ is the official website for California’s new marketplace for affordable, private health insurance under the new healthcare reform law, the Affordable Care Act. Covered California’s mission is to increase the number of Californians with health insurance, improve the quality of health care for all of us, reduce health care coverage costs and make sure California’s diverse population has fair and equal access to quality health care. You will have the ability to choose the health plan that offers the best services at the greatest value for you – insurance that can’t be dropped or denied if you have a pre-existing medical condition (any illness or condition a patient has prior to obtaining insurance).

Covered California™

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Choosing a health plan
Smart Money

Shopping for insurance has become an increasingly confusing process. This article from Smart Money gives consumers some easy-to-follow tips on how to make the process easier.

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Covering the rising cost of long-term care
The New York Times

FEW sticker shocks are as bracing as the price of hiring someone to help with the simplest activities — bathing, toilet use, dressing, eating and moving. Whether recovering from surgery or a stroke or suffering a chronic illness like arthritis, those needing skilled help need deep pockets indeed.

And those requiring full-time nursing or assisted-living care face even steeper costs.

A 2013 report by Genworth Financial, an insurance provider based in Richmond, Va., estimates the national median daily cost of a private room in a nursing home at $230 a day, an increase of 3.6 percent over 2012 — some $6,900 per month. Sharing that room is only $27 less a day, according to the report.

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Almost 23 million of working families to get healthcare credit
UPI

WASHINGTON, May 2 (UPI) — Health insurance premium tax credits from the Affordable Care Act work more like a subsidy rather than like a tax credit, a U.S. non-profit group says.

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Small businesses still largely confused about Obamacare
Center for Healthcare Reporting

With less than a year to go before the full rollout of Obamacare, many business owners are still scratching their heads over what it will mean for them.

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Jones: UnitedHealth’s 8% Hike for small firms is ‘unreasonable’
California Healthline

On Wednesday, California Insurance Commissioner Dave Jones (D) called UnitedHealth Group’s rate hike for 5,000 small businesses “unreasonable,” the Los Angeles Times reports.

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Report: Many will qualify for health care tax credit
San Diego Union-Tribune

Economist says people are surprised income guidelines go so high

A total of 237,310 San Diego County residents will qualify for a health insurance tax credit in 2014, according to a report last week by the nonprofit health advocacy group Families USA.

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Fewer Californians get health insurance at work as premiums rise
Los Angeles Times

A new report shows that 53% of Californians get their health insurance through work, down from 62% in 2000. About 17.6 million state residents received employer health benefits in 2011, nearly 1.3 million fewer than a decade earlier.

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Millions eligible for health insurance tax credits
Hispanic Business

Families USA this week published a report that identifies that in 2014 nearly 3 million Californians will be eligible for premium tax credits that will help them pay for health coverage.

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Health plan affordability will vary by situation
Merced Sun-Star

Here’s the good news: Everyone in America should have health insurance starting in January.

The bad news: It’s not going to be cheap.

Only large employers will be forced to offer health benefits to employees. Small companies won’t have to, though many of them will continue to do so.

What’s new is an option for individuals to purchase their health insurance — often at government-subsidized rates — from a health care exchange called Covered California.

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Thousands in Solano, Napa will qualify for health care subsidies
Times-Herald

Nearly 25,000 people in Solano County and some 9,200 in Napa County will be eligible for California’s new health insurance tax credits under health care reform, according to a health care consumer advocacy group.

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Report: 3M Californians qualify for health subsidy
Recordnet.com

A health care advocacy organization says nearly 3 million Californians will become eligible next year for federal assistance to pay for health insurance.

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Medical patients aren’t bargain hunters
Imperial Valley News

Los Angeles, California – New study shows that even high deductibles don’t motivate patients to shop around for the cheapest medical services.

Consumer-directed health plans (CDHPs) offer low premiums but high deductibles on the premise that patients who are faced with deductibles of $1,000 or more for individual coverage (or twice that for family coverage) will shop around for the best price for the health care.

In practice, however, that’s not the case, according to a new study by the USC Schaeffer Center for Health Policy and Economics and the RAND Corporation.

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Monterey County expands low-income health plan cautiously
HealthyCal.org

Monterey County launched a scaled-back health insurance program for low-income residents in March, nearly a year after most other California counties set up similar plans to help transition to Affordable Care Act programs.

About half of the total number of patients planned for the pilot insurance program, 154, already enrolled, said Mary Hiebner, management analyst for the county’s Department of Social and Employment Services.

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HMO Plans nab high scores for care, but struggle on access
California Healthline

Many California residents gave their HMO plans good or excellent scores for providing health care but assigned lower scores for the plans’ access to care, according to a statewide report card from the state Office of the Patient Advocate, the Ventura County Star reports.

Report Card Details

The annual report card scores HMO and PPO insurance plans that cover a total of 16 million California residents (Kisken, Ventura County Star, 3/27).

It ranks health plans depending on how well they meet 40 quality measures (Kleffman, Contra Costa Times, 3/28).

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2013 Health Care Quality Report Cards are a vital tool for consumers making health care choices

HEALTH PLANS AND MEDICAL GROUPS DEMONSTRATE IMPROVED CARE FOR CHILDREN, BUT SHOW MIXED RESULTS IN PREVENTING AND MANAGING COSTLYAND DEBILITATING CHRONIC DISEASES FOR ADULTS

SACRAMENTO – The Office of the Patient Advocate (OPA) released the 2013 Report Cards today on a redesigned, consumer-friendly Website, www.opa.ca.gov, and, for the first time, as a mobile app for iPhone and iPad. The Website and app make it easy for consumers to review quality ratings on more than 40 clinical care measures for the state’s 10 largest commercial Health Maintenance Organizations (HMO), six largest commercial Preferred Provider Organizations (PPO), and 209 medical groups.

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Capitol Alert: The highs and lows of California’s health care spending
The Tribune (San Luis Obispo)

 Health care has become, by most measures, the largest single piece of the California economy, well over 10 percent of its $2 trillion output of goods and services — and destined to grow as the state extends medical insurance coverage to millions of Californians under the federal Affordable Care Act.

Nevertheless, a new nationwide study finds that as large as it may be, the health care spending in California has been relatively small, compared to other states.

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Rating regions headed for floor debate
California Healthline

The debate over geographic rating regions has not ended, despite being approved by the Assembly and Senate health committees last week and by the Senate Committee on Appropriations on Friday [February 22, 2013].

Competing interests want to change it — in different ways.

At the appropriations committee meeting Friday[February 22, 2013], two groups took oppose-unless-amended positions on the six-region legislation, but were not in agreement on how to divide the geographic rating regions in California.

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