Category Archives: Products/Services
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
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.
Why annuities are excellent tools to help you plan for your retirement ? With Americans living longer than ever, they need to take steps to plan for a better retirement. Annuities actually offer guaranteed lifetime income which help people to ease the stress. Annuities also offer tax-deferred growth, different withdrawal options and also death benefit.
It’s the document that explains how plan benefits paid for a member’s medical care. Members may get an EOB （Explanation of Benefits ）after they’ve had medical services to show what was done, what was covered, what was paid and what’s owed.
當你用保險接受了医療服務，保險公司在接到通知及審批後，會發給你一種稱作福利說明的單据/EOB，說明服務的項目，是否包含在保險福利內，保險公司支付多少? 你自己負担多少? 幫助你了解自己的權利義務.
Health Net announced its online recurring payment option in June and now is ending automatic bank draft for members currently ine Simple Pay Option. August premiums drafting on July 20, 2015, will be the last ones under the current method. Health Net will be sending this mailer to impacted members and then will send out a second mailer to let them know when and how to do the switch. Members will need to go online to set up recurring payment for monthly premiums due September and going forward, or they can choose to mail a check or pay via one of other payment options..
Health Net 將自八月份起不再使用銀行扣帳方式收取(九月起的)保費, 7/20將是最後一次扣帳,扣的是八月份保費, 如果你是Health Net的保戶, 且目前正是使用這種方式付款，那麼請注意你的信件, 因為你近期將收到Health Net 寄給你的通知，請你重新选擇付款的方式, 並指導你如何完成轉換的手續
An Insurance Company announced in Apr. its new life insurance products that rewards people for healthy living. A policyholder can accumulate “Vitality Points” when he/she completes health-related activities like exercising, getting an annual health screening or even a flu shot. The number of Vitality Points accumulated over the course of a year help the policyholder to earn valuable travel, shopping and entertainment-related rewards and discounts from leading retailers. Additionally, depending on the type of product they purchase, a policyholder could save as much as 15 percent off their annual premium.
今年四月，一家保險公司在保單中加了新意。大家都知道，人寿保單的保費和身體健康程度有直接關係，這個創意在鼓勵保户積極採取保健行動，增進身体健康，保險公司將根據你累計的”活力積分” 提供你各項實用折扣，如旅遊，購物, 甚至你的年保費可折扣至15%之多(視保單種類而定)
詳情請參考 details please go to http://www.jhrewardslife.com/
If you have newly enrolled into Covered California but have not yet made your initial premium payment (binder payment) for coverage effective January 1, 2015,you should get your first invoice from your chosen health plan. You can also click here: http://www.coveredca.com/youre-in/paying-your-premium/ and follow the instructions associated with the specific health plan to pay by phone, online or mail.
你新加入歐記健保但還沒支付首次保費? 你選擇的保險公司會寄帳單給你, 但最好利用更快速的其他方法, 請點此連結查看 http://www.coveredca.com/youre-in/paying-your-premium/
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