Tag Archives: CaliforniaChoice

Live In California And Need Help Enrolling In Health Insurance?

Need Help Enrolling in Health Insurance? Private Or CoveredCA? Have Questions like what plan is right for you?

Call Covered California Certified Insurance Agent Kelli A. Fletcher, She is here to help you and your family!

Kelli A. FletcherKelli Fletcher

Eric B. Fuller, Inc.
Life & Health Insurance Agency
CA Agency License 0D95539
562 Lomas Santa Fe Dr.
Solana Beach, CA 92075

Tel: 858.481.1925
Fax: 858-755-5040

Serving California

Certified-Agent-LogoThis website is owned and maintained by Eric B. Fuller, Inc., which is solely responsible for its content. This site is not maintained by or affiliated with Covered California, and Covered California bears no responsibility for its content. The e-mail addresses and telephone number that appears throughout this site belong to Eric B. Fuller, Inc. and cannot be used to contact Covered California.


PPACA gets blame for out-of-pocket cost increases | LifeHealthPro

WASHINGTON (AP) — Many Americans who already have coverage are blaming rising premiums and deductibles on the Patient Protection and Affordable Care Act (PPACA).

There are signs that the HealthCare.gov federal PPACA exchange enrollment system is working better, but about half of the Americans with private coverage who participated in a new Associated Press-GfK poll said their policies will be changing next year — mostly for the worse.

Employers were already moving toward leaner coverage before PPACA along, but 77 percent of the poll participants blame the upcoming changes on PPACA.

Sixty-nine percent said their premiums will be going up, and 59 percent said annual deductibles or co-payments are increasing.

Only 21 percent of those with private coverage said their plan is expanding to cover more types of medical care, though coverage of preventive care at no charge to the patient has been required by the law for the past couple of years.

Fourteen percent said coverage for spouses is being restricted or eliminated, and 11 percent said their plan is being discontinued.

Political leanings seemed to affect perceptions of eroding coverage, with larger majorities of Republicans and independents saying their coverage will be affected.

More than 60 percent of the participants said they disapprove of President Obama’s handling of health care.

But, when the survey firm asked participants which party they trust more to handle health care, 32 percent named the Democrats and just 22 percent named the Republicans.

The AP-GfK Poll was conducted Dec. 5-9 and involved online interviews with 1,367 adults. The survey has a margin of sampling error of plus or minus 3.5 percentage points for all respondents.

The poll was conducted after Obama administrations said they had greatly improved the HealthCare.gov website and states said they had greatly improved their enrollment systems.

About 11 percent of the participants said they or someone in their household had tried to sign up for health insurance through the exchanges.

Among the people who had applied for coverage through the exchanges or knew someone else who had, about one-quarter said the applicants had managed to enroll in coverage, half said the would-be applicants had not succeeded at enrolling in coverage, and one-quarter weren’t sure what the result was.

Phyllis Dessel, 63, of Reading, Pa., made 50 attempts at getting enrolled online and said she believes she is finally enrolled.

The retired social worker, a political independent, currently has her own private insurance.

When Dessel described her experience, she jokingly asked, “Do you mind if I cry?”

Thanks to tax credits available under PPACA, she was able to save about $100 a month on the monthly premium for her new coverage. But she had to switch carriers because staying with her current insurer would have cost more than she was willing to pay. She hasn’t gotten an invoice yet from her new insurance company.

The premiums she found on the new insurance marketplace were “not at all” what she expected, said Dessel. “They were much, much higher.”

A supporter of PPACA, she said she believes changes are needed to make the coverage more affordable.

“I think with a lot of amendments or updates, it could be very, very helpful and beneficial,” said Dessel. “I know a lot of people who don’t have insurance. My hairdresser, my plumber don’t have insurance, and they’re not going to get it if it’s not affordable.”

AP News Survey Specialist Dennis Junius and Associated Press writer Stacy A. Anderson contributed to this report.

PPACA gets blame for out-of-pocket cost increases | LifeHealthPro.


Anthem Blue Cross Blue Shield News

Anthem Blue Shield Blue CrossNovember 27, 2013

Because Covered California’s exchange is up and successfully running, the governing board decided last week that there should be no delays in implementing the Affordable Care Act (ACA).

That means that the vast majority of non grandfathered Anthem Blue Cross individual policies will be transitioned into new ACA-compliant plans starting Jan. 1, 2014. The only exception is a group of approximately 104,000 Anthem Blue Cross Life & Health Insurance Company members who did not receive a timely notification of their transition. Pursuant to an agreement with the California Department of Insurance, this group has the option to continue their current coverage through Feb. 28, 2014, at which time they will be transitioned into an ACA-compliant product.

The Exchange Board, in recognition that there has been confusion in the marketplace, did take a number of steps to make it easier for consumers to obtain coverage by Jan. 1, 2014, including:

  • Extending the deadline for enrollment for coverage taking effect on Jan. 1, 2014, from Dec. 15, 2013, to Dec. 23, 2013, and extending the deadline for payments due from Dec. 26, 2013, to Jan. 5, 2014.
  • Establishing a telephone hotline for consumers to resolve enrollment questions. The hotline, (855) 857-0445, will be available beginning Monday, Nov. 25.
  • Sending information directly to nearly 1.13 million affected individuals that provides clear options for coverage. The information will be sent from Covered California and the individual’s current insurance provider.
  • Collecting and reporting data, on a regular basis, showing the impacts of conversion for individuals.
  • Engaging consumers in their communities through the thousands of Certified Insurance Agents, Certified Enrollment Counselors and Certified Educators now deployed statewide.

At Anthem Blue Cross, we have always focused on providing access to affordable, quality health care.  That’s why we’ve assembled a network that includes world-class academic institutions like the University of California, and that’s why more Californians have selected Anthem’s individual insurance on the exchange (based on data released on Nov. 21) than any other insurer.

While other carriers have chosen to sit out the launch of the exchanges, Anthem Blue Cross has and will continue to be an essential player.  The implementation of the ACA and open enrollment is an extraordinary opportunity for the uninsured and those who struggle to afford coverage — and transformational for our industry.

We look forward to continued collaboration with all of our partners, so that health care coverage works for all Californians.

This article applies to:

  • California
  • Small Group, Large Group, and Individual (under 65)

Anthem Blue Cross Blue Shield.


CaliforniaChoice Announces New Small-Group Business Solutions Suite | Business Wire

October 22, 2013:
ORANGE, Calif.–()– CaliforniaChoice announced today the introduction of a small-group “Business Solutions Suite” designed to provide small businesses and their employees with a host of additional products and services at no additional cost. CaliforniaChoice is one of the nation’s most successful small-group private health insurance exchanges.

“When it comes to purchasing health insurance, employers today are choosing between a government option, a single carrier or a private exchange,” said Ron Goldstein, president and CEO of CHOICE Administrators, which operates CaliforniaChoice. “Our new Business Solutions Suite includes products and services employers want and need; and we’re able to offer them at absolutely no additional cost to the employer, which enhances the overall value of our program.” CaliforniaChoice’s Business Solutions Suite will be available January 1, 2014.

The Business Solutions Suite is comprised of three levels; these levels are broken out based on the number of employees in a small business. Each level includes discount dental, voluntary vision, discount hearing programs, a pharmacy prescription card, a premium-only plan, access to an online human resources support center, Cal Perks employee discount programs, payroll discounts, and Cal-COBRA billing support. Businesses with more than 15 employees also have access to a flexible spending account, and those with 20 or more employees receive federal COBRA billing support.

Goldstein explains the Business Solutions Suite is included alongside CaliforniaChoice’s extensive medical and ancillary benefits portfolio. CaliforniaChoice offers a wide selection of benefit plans – ranging from platinum metal tier benefits (the richest benefits) to gold, silver and bronze – through Aetna, Anthem Blue Cross, Health Net, Kaiser Permanente, Sharp Health Plan and Western Health Advantage. CaliforniaChoice also offers both full and limited provider networks within each metal tier of benefits, which gives employees more flexibility when it comes to selecting the right coverage. The program also includes a host of optional benefits including dental, vision, chiropractic, life and payroll services.

Exchanges, both public and private, are similar to health insurance “shopping malls” where consumers, employers, employees and brokers can compare plans side by side based on cost, provider network and plan designs. CaliforniaChoice helped pioneer the exchange concept in the 1990s and has continued to be a leading advocate by educating the market about the advantages of exchanges. Today CaliforniaChoice serves more than 10,000 employers and 150,000 employees. For more information on CaliforniaChoice, visit www.calchoice.com.

CaliforniaChoice Announces New Small-Group Business Solutions Suite | Business Wire.