Category Archives: Medi-Cal

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。

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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。

 

Review Your Medicare Policy

October 15 – December 7 is Medicare Open Enrollment. It’s your chance to review your health  coverage and see if you need to make any changes for next year. Or, you may decide you’re happy with the plan you have now. If that’s the case, and the plan is still being offered next year, you don’t need to do anything. To review if you have a plan that fits you, the review worksheet from UnitedHealthCare might give you an idea

你不一定要變更,但你應該要做自我檢視, 因為開放期(10/15-12/07) 是紅藍卡使用人一年一度做改變的機會,也 因為計畫福利每年有變,個人需求也每年有變,目前的計畫是否還適合自己呢? 考慮的項目很多,例如:你是否已有理想的醫生醫院 ? 語言通嗎? 就醫方便嗎 ? 有交通接送嗎 ? 藥品貴嗎 ? 配眼鏡配耳機要付多少 ? 客服滿意嗎 ?聯合健保提供的簡易檢視表,只要花十分鍾就可有個概念.UHC medicare review sheet 1014

2015 Open Enrollment 健保開放期

Covered California is preparing for its next Open Enrollment, which is 11/15/2014 to 2/15/2015.  Open Enrollment will allow individuals and families to renew or make changes to their health insurance coverage for calendar year 2015.

明年2015加卅全保的開放申請期間是11/15/2014至2/15/2015. 如果你需要加入或做改變,要利用這段時間進行

CC home page

 

Medicare Education Week紅藍卡教育週

National Medicare Education Week ( Sept. 15 – 21) is devoted to helping baby boomers, Medicare beneficiaries, family members and caregivers learn about coverage options and prepare for Medicare Open Enrollment (Oct. 15 – Dec. 7). It is supported by AARP, Ameriprise Financial, the Caregiver Action Network, the National Association of Area Agencies on Aging (n4a), Safeway, Target, Walgreens, Walmart and Sam’s Club.

今天9/15開始至9/21 是聯邦紅藍卡保險教育週 Medicare Education Week,由AARP, Ameriprise Financial, the Caregiver Action Network, the National Association of Area Agencies on Aging (n4a), Safeway, Target, Walgreens, Walmart and Sam’s Club在每年開放期(10/15-12/7)前一個月, 共同合作為你提供許多Medicare相關資訊.你或你的家人朋友一定有人正在使用紅藍卡保險, 是否覺得複雜弄不清楚, 可利用此期間多加諮詢! 其中聯合健保的3分鐘影片提供你10個重點 !

   UHC 10 ideas 091314

Search the Best Hospital 尋找最好的醫院

Want to know the best Medical Hospital and Facilities around you, just type in your ZIP code, US News will tell you !

輸入你的地址區號或你想查的科別, US News 可以為你找到最好的醫院!  http://health.usnews.com/best-hospitals/area?src=usn_fb

hospital search 072814

 

CA CCI Plans Star Rating 計畫評等

For many Medi-Medi dual coverage beneficiaries, it is important to choose a plan under ACA change from 2014. In California, the notices have been rolling out in different counties from January and enrollment will be starting from April in some counties. CMS has provided CCI Health Plan Star Rating for your reference.

ACA 新保險法下許多同時使用Medi-Medi 紅藍及白卡的耆德碩老,2014開始需要選擇他的保險計畫, 加州許多郡縣已發出通知, CMS 已公佈各計畫最新的星級評等, 供大家參考  http://www.calduals.org/wp-content/uploads/2012/05/2014MedicareOverallStarRankings1.pdf

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ObamaCare Enrollment Assistance 要求申請歐記健保協助

The ObamaCare enrollment started yesterday. You can apply online or fill out the paper applicationCoveredCA image 0813

and then  fax/mail to the Service Center.  We are CoveredCA Certified Insurance Agents,

we can help Californians  compare, enroll and get premium/financial assistance if qualify.

To request enrollment online or paper app assistant, click here

昨天歐記健保已開辦, 你可以上網申請或填表後郵寄/傳真至加州全保服務中心. 本中心是認證合格的加州全保

專業代理人,可幫助你比較,選擇,申請加入, 也將為合格的人申請联邦補助!.

需要申請協助或索取申請書, 請點擊這裡

Paper Version helps 書面申請也可以

Yesterday, the first day of ObamaCare enrollment, the originally ideally designed forCC app image 100113

approved-in-minutes  online system either slow down or just out of work.

To deal with  millions of people trying to login, all expecting people have to be patient.

In the meanwhile, if you don’t want to wait or if you prefer, you can just take out the paper version,

fill it out and fax/mail to the Service Center. To request online enrollment assistance

or a paper version, click here

昨天歐記健保開辦首日, 本來理想上能網上即時申請的服務大多無法正常運作.

大量湧入希望申請新保障的人, 現在只有耐心等待. 許多不想等待的人已改用書面填表方式申請.

需要申請協助或索取申請書, 請點擊這裡

Obamacare Video 歐保影片by KFF

由 Kaiser Foundation 簡要說明歐巴馬健保的影片