Call 916-719-5087    

 ​​​​​​​​​​ Shine Wellness Insurance & Financial Services


Now that 2nd historical open enrollment is behind us. Most clients survived first 1095A and some paid fine for the first time ever for being uninsured. Gladly to report that a couple carriers have improved their services, while a few lag. We encourage everyone to go ahead to schedule your annual physical and build relationship with your primary physician. 

If you are an individual:
 
Will You Or Your Family Qualify For Any Premium Assistance?


Consumer Website at www.CoveredCA.com


CA HealthBenefit  Exchange, www.HBEX.ca.gov


The Shop and Compare Tool for 2015 at www.CoveredCA.com/shopandcompare/#calculator 


The Booklet "Health Insurance Companies and Plan Rates for 2015" at  www.CoveredCA.com/PDFs/CC-health-plans-booklet-2015.pdf


If you are an employer:


IRS ACA-Focused Website


Latest ACA & Employer Responsibilities Timeline


Health Care Reform Timeline



FAQ ON NOTICE OF COVERAGE OPTIONS


Q: Can an employer be fined for failing to provide employees with notice about the Affordable Care Act's new Health Insurance Marketplace?

A: No. If your company is covered by the Fair Labor Standards Act, it should provide a written notice to its employees about the Health Insurance Marketplace by October 1, 2013, but there is no fine or penalty under the law for failing to provide the notice.


The notice should inform employees:

  • About the Health Insurance Marketplace;
  • That, depending on their income and what coverage may be offered by the employer, they may be able to get lower cost private insurance in the Marketplace; and
  • That if they buy insurance through the Marketplace, they may lose the employer contribution (if any) to their health benefits​

Please call your friendly and helpful SWIF team at (916)719-5087 if you have any questions.


As always, you can count on us to get the latest healthcare reform news. Thank you for the opportunity to earn your 
business.

ROAD MAP TO AFFORDABLE HEALTH CARE

Did you wait and see last year? Are you still uninsured? Does the person help you enrolled last year never return your call? You really don't know why Covered California continue to send you multiple letters that you don't understand? Hard to find a doctor to accept your insurance? Reporting changes of your income or address messed up your plan? You lost your coverage after having health insurance for the first time? Don't know how to calculate your income, especially if you are a business owner?

Time to call us. Evette & Kingman successfully helped enroll hundreds of families last year, and provide consistent, prompt and professional services. This current system require experience, knowledge,details, patiences to navigate. Less than 5% of our clients have encountered some setbacks and we stand by to assist them to resolve the problem. As matter of fact, Sacramento Bee Affordable Care Special Columnist Emily Bazar has written multiple times about Evette and her experience and expertise in this area. You are in good hands working with Evette & Kingman.

  • Go to Contact Us tab
  • Fill in personal information and contact information
  • Fill in referral source so we can track where you got our information
  • We will contact you as to how, where and when to enroll
  • We will help you explore all your options and choose a plan that works best for you, your family and your business
  • Your information will be confidential

LATEST ON COVERED CALIFORNIA

​​​
Resources Links:
 
www.kp.org/reform        www.kff.org

www.irs.gov                   www.dol.gov

www.hhs.gov                 www.healthcare.gov

Info Needed To Evaluate A Existing Group Health Insurance & Employee Benefits

Info Needed to Quote a New Group Health Insurance & Employee Benefits
 
Free Resources to you:
Free Cancer Screening For Women if income qualify


EVERY WOMEN COUNTS

Every Woman Counts
Breast & Cervical Cancer Screening
for Women of Low Income
1 (800) 511-2300

Every Woman Counts is a cancer detection program in the California Department of Health Care Services that provides California's medically underserved women access to screening and diagnostic services for breast and cervical cancer.

Eligibility for breast cancer screening includes women who:


  • Are age 40 or over
  • Have income at or below 200% of the Federal poverty level
  • Have medical insurance that does not cover these services
  • Have a high insurance deductible or co-payment
  • Are not getting these services through Medi-Cal or another government insurance program
  • Live in California


Eligibility for cervical cancer screening includes women who:

  • Are age 21 or over
  • Have income at or below 200% of the Federal poverty level
  • Have medical insurance that does not cover these services
  • Have a high insurance deductible or co-payment
  • Are not getting these services through Medi-Cal or another government insurance program
  • Live in California


The 2013-2014 Federal Poverty Level Income Guidelines by Family Size can be downloaded here. (or google Every Women Counts)

The statewide toll-free Consumer 800 Number operated by the Cancer Prevention Institute of California provides a central referral point, statewide publicity and promotion of this program, and complete and consistent data collection from both incoming and follow-up calls.

Women can call the Consumer 800 Number to:

Get information about the program
Pre-qualify for breast and/or cervical cancer screening services
Receive referrals to participating providers in their neighborhood

The statewide toll-free Consumer 800 Number operates from 8:30 a.m. to 5 p.m., Monday through Friday. Calls are taken in English, Spanish, Cantonese, Mandarin, Vietnamese and Korean. Callers hear a brief initial greeting in English, followed by messages in each language to guide them to an Information Specialist who speaks their language.

CPIC attempts two follow-up calls to all prequalified women who call the Consumer 800 Number to determine if each woman has scheduled an appointment and received services.

In addition, women and men diagnosed with breast cancer and women diagnosed with cervical cancer can call CPIC to prequalify for the Breast and Cervical Cancer Treatment Program. CPIC’s Every Woman Counts Consumer 800 Number staff can provide referrals to Primary Care Providers who can enroll those diagnosed with breast and/or cervical cancer in the Treatment Program.

Every Woman Counts is funded by a federal grant and state tobacco tax revenue.

Excertp from DHCS website, pls google Every Women Counts for more info.
 
To see whether you qualify for Free Children's insurance,
pls google SacramentoCovered.org

 
"Dear Ask Emily readers,
 
A worrisome trend is emerging among some Californians who thought they were safe and secure under Covered California: Their plans are being canceled without consent and sometimes without notice. Some are being shunted into Medi-Cal, while others are dropped outright.
 
All of them say they feel helpless and betrayed.
 
To read the column, please click here or go to this link:
 
http://centerforhealthreporting.org/article/does-covered-california-really-have-you-covered
 
Feel free to share the column with others who might be interested. Please click on the "unsubscribe" link below if you'd rather not receive these emails.

Best,
Emily