The Open Enrollment period for 2017 Obamacare health insurance has been official announced as 11/01/2016 to 01/31/2017. If 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”.
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.
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.
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.
Covered California unveiled its rates for 2017 on Tuesday this week with a statewide weighted average change 13.2 percent.
However, if consumers switch to “the lowest-cost plan at their same benefit level plan “, Executive Director Peter V. Lee said, “Almost 80 percent of our consumers will either be able to pay less than they are paying now, or see their rates go up by no more than 5 percent. So, “Shopping is going to be more important this year than ever before, That’s the power of shopping.”
本週二加州全保公佈了2017健康計畫費率， 全州平均上漲13.2%，但加州全保提醒消費大眾進行比價, 因為有可能透過轉換至其他同等級計劃, 不但避開漲價甚至付更低, 或小漲5%以內， 所以面對2017新保費, 多比較後再選擇非常重要!
You know you can get a retirement benefit estimate from Social Security Estimator, but if you want to get more benefits information, including retirement, disability and survivors benefits, creating an online account is a good way. If you don’t have one, you can easily set one up now by click the image link below.
If you live to the average life expectancy for someone your age, you’ll receive about the same amount in lifetime benefits. It doesn’t matter if you choose to start receiving benefits at age 62, full retirement age, age 70, or any age between. It is a personal decision and depends on different factors, such as your your health and family longevity and your financial condition, etc.. click the image from SSA below for more details
Body mass index (BMI) is a measure of body fat based on your weight in relation to your height, and applies to most adults and children. It is a tool to know if a person is underweight, overweight, or a healthy weight. The further it is away from healthy range, the higher the health problems will be. Click the link from CDC below to find out yours :
知道自己的BMI指數多少嗎？它是一個測量体重與身高比例的指數，幫助了解自己的身體狀態，太重或太輕都需要注意，偏離正常範圍越遠健康風險越大. 可利用下列CDC聯結, 查詢自己的BMI指數 :