The second shoe to drop. Just weeks after receiving information that Anthem Blue Cross was raising their rates effective Feb 1st, 2013 for individual family plans, we get a notification that Blue Shield is doing the same which we expected. We now have more detail on that increase and some guidance as to what is […]

Guaranteed Issue coverage and Health Reform By far, the biggest change accompanying health reform (aside from pricing) is the new guaranteed issue status afforded on the individual and family health insurance market in California. As with all things that are sweeping in change, there are pro\’s and con\’s to look at and we\’ll discuss those […]

Playing fortune teller with California health insurance Trying to predict the future resulting from complex interactions between our health system and the equally complicated Health Reform bill is fraught with danger. That being said, here we go…right over the cliff (to use a worn-out term). Barring key changes to the bill itself (which we\’ll also […]

January 1st, 2014 – H Day We tried to be catchy in naming the big date on the horizon for Health Reform but it\’s marginal at best. The name may be lacking but the importance of that date, Jan 1st, 2014 is anything but as it will bring about significant changes to California health insurance […]

The Health Exchange Time Table for California health insurance We\’re now wrapping up 2012 (as of this writing) and bravely heading into 2013. There are all sorts of activity related to Health Reform in California behind the scenes (10000 rules were just released…yes..10000) but what can the California health insurance consumer whether individual or group […]

The strangest thing happened while testing one of the early iterations of Fantasy Geeks for Facebook. We were going through a trial game with the developers to ferret out the usual bugs that occur when creating an online Facebook game from scratch. I chose my Fantasy Geek roster trying to corner the Dress Code and […]

There have been many changes in the California individual health insurance market resulting from health reform and none has been more confusing than that of Grandfathering. Being in the insurance market for decades, I can usually give pretty good guidance to a shopper or client regarding directions of various plan options. Grandfathering unfortunately bucks this […]

Granted, we help California companies find, quote, and secure Workers Comp every day but we\’re also a California business ourselves. Conversely, we need to have our own benefits in terms of health insurance and liability insurance such as Workers Comp ourselves. We\’re very well versed in company insurance but other facets of protecting our business […]

The various parts of Health Reform are scheduled to roll out at different times with some early parts already in place now before the big Jan 2014 roll out. One of the more significant pieces dealt with guaranteed issue health insurance for children up to age 18. This has largely been incorporated by the carriers […]

Worker\’s comp in California is pretty streamlined in terms of benefits. It\’s not like group health insurance where you need to go through reams of benefits with various copays, deductibles, and enough jargon to make an accountant glaze over. California Workers Comp is pretty straight forward in that it\’s liability insurance much like your car […]