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Eric B. Fuller, Inc.
Life & Health Insurance Agency
CA Agency License 0D95539
562 Lomas Santa Fe Dr.
Solana Beach, CA 92075
This 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.
Healthcare giant Kaiser Permanente and two other insurers say California’s insurance exchange is withholding crucial information from consumers by not posting quality ratings alongside health plan rates.
The insurance companies said “there has never been a compelling reason to deny this information to consumers…. On this issue, Covered California has surrendered its ‘pace car’ status.”
Sharp Health Plan in San Diego and Western Health Advantage in Sacramento joined Kaiser in criticizing the state’s position in a letter sent Monday to Covered California, the state health exchange. Some consumer advocates have also urged the state to reconsider, saying any delay rewards lower-performing insurers.
Covered California ignited this debate in August when it backed off earlier plans to include insurance company ratings in its online enrollment system.
This came as a surprise because state officials had touted the idea of consumers choosing coverage based on the overall value, combining price and quality measures.
At the time, the exchange said it reversed course because the latest state rankings examine performance from 2011, and they don’t reflect many of the new health plans and provider networks being offered for the first time under the federal healthcare law.
Major insurers such as Blue Shield of California and Health Net Inc. have offered narrower networks for some exchange policies to help lower premiums. In contrast, Kaiser and its full provider network are often more expensive.
State officials have discussed including ratings for some health plans, such as Kaiser, that are using their current network and labeling newer products as “not yet rated.” Covered California’s five-member board is expected to consider the matter at a regularly scheduled meeting Thursday.
In their letter, the three insurers also point out that other state-run exchanges, such as those in Colorado, Maryland and Oregon, are displaying quality data prominently on their websites. Colorado’s website even sorts a consumer’s options by quality, rather than just price.
“The leadership of these three state exchanges faced a choice, as California’s does now – and they chose to put consumers first,” the insurers said.
The state’s Office of the Patient Advocate publishes annual ratings of the largest HMO and PPO plans, handing out one to four stars in a variety of categories. The report card looks at whether insurers are meeting national standards for recommended care and it asks patients to rate their own experience.
The state also issues separate quality ratings on insurers serving patients in Medi-Cal, the state’s Medicaid program for the poor. Several of those plans that cater to lower-income residents are selling policies in the broader exchange.
Kaiser routinely scores well in rankings on quality of care and patient satisfaction. It was the only HMO in the state to earn a top four-star rating for providing recommended care on the most recent report card. Sharp and Western Health each received three stars on the same measure.
Open enrollment in the state exchange runs through March 31.
At Eric B. Fuller, Inc. our focus is helping both business groups and individuals with their life and health insurance needs.
Whether you are looking to compare pricing, services, product or simply need a responsive broker that will call you back we are here to help you. Our goal is make the process easier for our clients so you can focus on what really matters to you.
In an ever changing insurance industry, we provide our clients with the right tools and information to ensure your needs are met. As a small business, it allows us to focus on you, our client by making sure you get the proper insurance coverage you need at a cost you can afford.
We work with one of the top General Agencies in town who only work with brokers and not the public. This enable us to access and leverage their network of relationships, products and services to improve and streamline the process.
Customer service is priority number one. We would love the opportunity to help you with your insurance needs.
Eric B. Fuller, Inc., Solana Beach, CA, Life & Health Insurance Agency
Employee Benefits Insurance Services, Health Insurance, Life Insurance, Dental Insurance, Disability Insurance, Vision Insurance, Cancer Insurance, Accident Insurance, Critical Illness Insurance, Long Term Care Insurance,
Some of the Companies we work with:
Aetna Life Insurance Company, Anthem Blue Cross Life and Health Insurance Company, Blue Shield Of California Life & Health Insurance Company, Colonial Life & Accident Insurance Company, Guardian Life Insurance Company Of America (The), Health Net Life Insurance Company, Kaiser Permanente Insurance Company, Principal Life Insurance Company, Reliance Standard Life Insurance Company, Reliastar Life Insurance Company, Safehealth Life Insurance Company, Standard Insurance Company, Standard Life And Accident Insurance Company, Unimerica Insurance Company, United Healthcare Insurance Company, Pacificare Life And Health Insurance Company
Eric B. Fuller, Inc., Solana Beach, CA, Life & Health Insurance Agency License # 0D95539
Kelli A. Fletcher
562 Lomas Santa Fe Dr.
Solana Beach, CA 92075