Author Archives: Sara Sung

2017-18 Best Hospitals 全國最佳医院

U.S. News & World Report  just released the 2017-18 Best Hospitals rankings on Aug. 08 . The rankings compare nearly 5000 medical centers nationwide in 16 adult specialties (Cancer, Cardiology…) as well as their Survival rates, patient safety… It recognized 20 hospitals that outperform others with highest points as follow:

美國新聞世界報導,這個月8號公布2017-18最新出爐的全國最佳医院前20名排行榜。這排名是根據成人專科(癌症,心血管疾病等…)及病人的安全,復原程度等,對全國近5000家医院調查的結果

http://health.usnews.com/health-care/best-hospitals/slideshows/the-honor-roll-of-best-hospitals

Advertisements

What is CA Single-Payer plan ?

What is California’s Single-Payer bill (SB 562) ?

Just think about Medicare, then you will have the idea of the new California health care system “single-payer”. It means all healthcare costs will be paid by a single source, the government.

Senator Bernie Sanders, who already advocated for the system during his run for the presidency and now introduced by California State Senators, Ricardo Lara and Toni Atkins.

Even no plan details and no funding source yet, the picture of the plan is actually much more generous than Medicare and asks about 400 billion budget. It will have more benefits including dental, vision, hearing, mental health, etc. but no out of pocket for patients such as copay or deductible.

什麼是加州近日通過的醫療制度新方法 “單一支付“制度?

類似65歲以上的紅藍卡保險,新的制度下,醫療費用將由政府支付。這計劃在Senator Bernie Sanders競選總統時即已提出,現因川普政府尋求健保新方案的不確定性由加州議員 Ricardo Lara 及 Toni Atkins再次提出。雖然目前還沒有制度細節和經費來源, 但此新制度理想上要比紅藍卡保險慷慨許多,不但包栝了牙齒眼睛等,連就醫的自付額,分攤費都免除,預計經費將達四千億之多。

2016 Tax adjustment 税額調整

The Tax season is here, while you are collecting your tax papers, here is some change you will see when you file your 2016 tax. Internal Revenue Service (IRS) make the adjustment to reflect the inflation adjustments . Changes include tax rate schedules, itemized deductions limitation,personal exemption,Earned Income Credit amount, etc.. Please click the link for the 2016 tax table provided by taxfoundation

新年度來臨也是税季來臨,開始收集2016各項單据做報税準備了嗎? 國稅局 IRS根据物价水準變動對2016年稅表,個人免税額,標準或列舉扣除額等已做調整。請利用下列連結查看由Tax Foundation 所整理提供的2016的税表

http://taxfoundation.org/article/2016-tax-brackets

2016-tax-form

 

Income Tax Calculator

If you ever wanted to give yourself a tax estimate, here are the calculators from 2 major tax reporting companies you can use for free

稅季來臨, 想先估算一下自己要繳多少稅 ?以下是由2家主要報稅公司提供的免費工具可供利用

https://www.hrblock.com/get-answers/

https://turbotax.intuit.com/tax-tools/calculators/taxcaster/

20160917_193722-1

Different 1095 forms

It’s about time to receive your 1095 form for your health coverage in 2016. You know there are 3 different 1095 forms but do you know the difference ?

  • 1095A,  A Statement issued by Covered California  It shows who was covered and when. It also shows the subsidy amount you got in 2016 so you will report it with your 2016 taxes.
  • 1095B, issued by Health insurance companies to its members who enrolled directly with the companies without any exchange in between which contains who was covered and when.
  • 1095C, issued by Employers that offer health coverage to its employees and/or their families with information about who was covered and when.

你很快將收到你的2016 醫療保險的1095表格, 你或已知道他有3種, 但你知道其中的不同嗎 ?

  • 1095A 是由Covered California 加州全保發出,發給經由該交換所取得医療保險的人,目的在確認受保的人,受保的計劃及受保期間,受補助金額等
  • 1095B 是由保險公司發出,發給直接向該公司投保而未經過交換所的會員,目的在証明是否所參加的計劃合乎歐巴馬健保下強制投保的規定
  • 1095C 是由提供團保的雇主所發出,發給它所承保的員工及家屬,確認受保的人和受保的計劃what-is-1095a

Simple vs Compound Interest 單利vs複利

Do you know how the interest on your investment calculated ? While the two different basic types of interests, simple and compound, make your money big difference over a long period of time, all investors should be aware of them.  Simple interest is calculated only on your principal. Compound interest is calculated on the the sum of your principal amount plus the accumulated interest of previous periods. A famous quote by Einstein “The most powerful force in the universe is compound interest”  tells us the power of the compound interest in your investment. Try it yourself using the calculator link below provided from bankrate.com.

你知道你儲蓄所賺的利息是如何計算的?利息一般有兩種基本計算方法,單利和複利,長時間下來他們會有很大的不同,所以投資人不可不知。簡單來說,單利一直保持只就原始本金計算而複利則就本金加上(已產生的)利息的總數來計算,時間愈長,差異愈大,就如同愛因斯坦的名句:宇宙間最有力的就是複利。你可用下列連結試試:
http://www.bankrate.com/calculators/savings/compound-savings-calculator-tool.aspx

simplevscompound

2017 Open Enrollment Date 開放期

 

The Open Enrollment period for 2017 Obamacare health insurance has been official announced as 11/01/2016 to 01/31/2017If you want to apply or change your coverage for 2017, you can do it starting 11/01/2016 and before the last day 1/31/2017 of the open period. Also, in order to have coverage that begins on 01/10/2017, you need to complete your application before 12/15/2016.  If you enroll after the 15th of the month, you’ll have to wait until the month after that for your coverage to start. So, for example, if you enroll on 01/16/17, your coverage would start on 03/01/17. If you miss this window you will have to wait for next open in November 2017 unless you have a special “qualified event”.

2017年健保的開放期在11/01/2016至01/31/2017,也就是你要加入2017健保或對目前保單做改变的期間。但你完成申辦的曰期將決定你的起效日,凡是要1/1/17生效的記得要在12/15/16之前完成, 若之後則會在再下個月的一號,即2/1/17生效,1/15/17之後則要等到3/1/17生效,例如你在1/16/17加入,你的生效日就會是3/1/17。過了開放期,要加入就得要有合格的特殊理由了。

 

LongTermCare Hybrids 長期照顧新設計

You probably heard the “Hybrids” design for es LTC Insurance over the past several years . They have been popular in the market for the combination of  life insurance and  long term care benefits. It is a long-term care rider in a life insurance policy. Your policy will pay out benefits for your LTC need and also for death benefit, not just “use it or lose it” nature in traditional policies.

你或許已聽說過近年來針對長期照顧新設計的“混合型”保單,它是將長期照顧附加在人寿保險的保單內,也就是說,它同時照顧你的長照需要和身故福利,而避免了傳統保單的“不用就損失掉”的顧慮,也因此已在市塲上得到大家的注意
wp-1471740693647.jpeg

PCP matched 選定家庭医生

Beginning January 1, 2017, All Covered California health plans are required a Primary Care Physician (PCP). A member should choose one or have one matched by their plan. If the plan match one for you, it will be based on the physician you currently have or, if you have not been seeing a specific physician or renewing with a new provider, a physician will be selected according to where you live. A consumer can change to another physician at any time and not required to see the PCP and may continue to access specialists and other providers as they currently do. Consumers will receive notification from their health plan about this change but No action needed at this time.

2017年起,所有加卅全保的計劃都要求要選定家庭医生,你可以自己選或由保險公司根据你的就医經驗或住家所在地替你選,之後可隨時改变,但PPO及EPO並不因此而必須經過家庭医生看診,而是保持目前的直接就医專科医生的方式。消費者近日將收到保險公司寄來的相關通知, 但目前不需做任何行動.

wp-1472673618063.jpeg

联邦医療保險概說

2017 Medicare 联邦紅藍卡的年度開放期又要到了,不管你是新加入或已經在使用,你是否真的了解它?在此特別為你提供medicare.gov 用中文做的概說,請點擊下圖查看

Medicare overview