Acton Adelanto Adin Agoura Hills Agua Dulce Ahwahnee Alameda Alamo Albany Albion Alhambra Aliso Viejo Alpine Altadena Alturas Alum Rock Alviso Amador City Amboy American Canyon Anaheim Hills Anaheim Anderson Angels Camp Angelus Oaks Angwin Antioch Apple Hill Apple Valley Applegate Aptos Arcadia Arcata Armona Arnold Arrowbear Lake Arroyo Grande Artesia Arvin Atascadero Atherton Atwater Auburn Avalon Avenal Avery Avila Beach Azusa Badger Baker Bakersfield Baldwin Park Ballard Banning Barstow Bass Lake Bear Valley Beaumont Belden Bell Bell Gardens Bellflower Belmont Belmont Shore Belvedere Ben Lomond Benicia Berkeley Bermuda Dunes Bethel Island Beverly Hills Bieber Big Bar Big Bear Lake Big Pine Big Sur Biggs Bishop Blairsden Bloomington Blue Jay Blue Lake Blythe Bodega Bodega Bay Bolinas Bonita Bonny Doon Bonsall Bootjack Boron Borrego Springs Boulder Creek Boulevard Bradbury Brawley Brea Brentwood Brentwood, Los Angeles Bridgeport Brisbane Broadmoor Broderick Brookdale Brownsville Buck Meadows Buellton Buena Park Burbank Burlingame Burney Buttonwillow Cabazon Calabasas Calexico Caliente California City California Valley Calimesa Calipatria Calistoga Calpine Camarillo Cambria Cambrian Park Camino Campbell Campo Canby Canoga Park Canyon Country Canyon Lake Canyondam Capistrano Beach Capitola Cardiff-by-the-Sea Carlsbad Carmel Valley Village Carmel-by-the-Sea Carmichael Carnelian Bay Carpinteria Carson Casmalia Cassel Castaic Castro Valley Castroville Cathedral City Catheys Valley Cayucos Cazadero Cedarville Central Valley Ceres Cerritos Chatsworth Chester Chicago Park Chico Chinese Camp Chino Chino Hills Chowchilla Chula Vista Citrus Heights Claremont Clayton Clearlake Clearlake Oaks Clio Cloverdale Clovis Coachella Coalinga Coarsegold Cobb Coleville Colfax Colma Coloma Colton Columbia Colusa Commerce Compton Concord Cool Corcoran Corning Corona Corona del Mar Coronado Corte Madera Costa Mesa Cotati Coto de Caza Cottonwood Coulterville Covelo Covina Crescent City Crescent Mills Crestline Cromberg Crowley Lake Cudahy Culver City Cupertino Cuyama Cypress Daly City Dana Point Danville Dardanelle Davenport Davis Death Valley Del Mar Del Rey Oaks Delano Desert Hot Springs Diamond Bar Dinuba Dixon Dorris Dos Palos Douglas City Downey Downieville Doyle Drytown Duarte Dublin Duncans Mills Dunlap Dunnigan Dunsmuir Earp East Los Angeles East Palo Alto Eastvale El Cajon El Centro El Cerrito El Cerrito, San Diego El Dorado Hills El Granada El Monte El Portal El Segundo Elk Elk Grove Emeryville Emigrant Gap Encinitas Encino Escalon Escondido Etna Eureka Exeter Fair Oaks Fairfax Fairfield Fall River Mills Fallbrook Farmersville Fawnskin Felton Ferndale Fields Landing Fillmore Firebaugh Fish Camp Florence-Graham Folsom Fontana Foresta Foresthill Fort Bidwell Fort Bragg Fort Jones Fortuna Foster City Fountain Valley Fowler Frazier Park Freestone Fremont Fresno Fullerton Galt Garberville Garden Grove Garden Valley Gardena Gasquet Gazelle Georgetown Geyserville Gilroy Glassel Park Glendale Glendora Glenhaven Goleta Gonzales Gorman Graeagle Granada Hills Grand Terrace Grass Valley Green Leaf Greenfield Greenville Gridley Groveland Grover Beach Guadalupe Gualala Guerneville Gustine Hacienda Heights Halcyon Half Moon Bay Hanford Happy Camp Harbor City Hardwick Harmony Hat Creek Hawaiian Gardens Hawthorne Hayfork Hayward Healdsburg Helena Helendale Hemet Hercules Hermosa Beach Hesperia Hidden Hills Highland Highland Park Hillsborough Hollister Hollywood Holtville Home Garden Homeland Homewood Hoopa Hope Ranch Hope Valley Hopland Hornitos Horse Creek Hughson Humboldt Huntington Beach Huntington Park Huron Hydesville Idyllwild Imperial Imperial Beach Independence Indian Wells Indio Inglewood Inverness Inyokern Ione Irvine Irwindale Isla Vista Isleton Jackson Jacumba Jamestown Jenner Johannesburg Joshua Tree Julian Junction City June Lake Kelseyville Kentfield Kenwood Kerman Kernville Kettleman City Keyes King City Kings Beach Kings Canyon National Park Kingsburg Kirkwood Klamath Klamath River Kyburz La Cañada Flintridge La Crescenta La Habra La Habra Heights La Honda La Jolla La Mesa La Mirada La Palma La Puente La Quinta La Selva Beach La Verne Lafayette Laguna Beach Laguna Hills Laguna Niguel Laguna Woods Lake Almanor Lake Arrowhead Lake Elizabeth Lake Elsinore Lake Forest Lake Hughes Lake Isabella Lake Los Angeles Lakehead Lakeport Lakeshore Lakewood Lancaster Landers Larkspur Lathrop Lawndale Laytonville Lebec Lee Vining Leucadia Leggett Lemon Cove Lemon Grove Lemoore Lennox Leona Valley Lewiston Lincoln Linda Mar Lindsay Littleriver Littlerock Live Oak Livermore Livingston Llano Lodi Loma Linda Loma Mar Lomita Lompoc Lone Pine Long Barn Long Beach Loomis Los Alamitos Los Alamos Los Altos Los Altos Hills Los Angeles Los Banos Los Gatos Los Olivos Los Osos Lotus Loyalton Lucerne Lucerne Valley Ludlow Lynwood Madera Malibu Mammoth Lakes Manchester Manhattan Beach Manteca Maricopa Marina Marina del Rey Mariposa Markleeville Martinez Marysville Maywood McClellan AFB McCloud McFarland McKinleyville McKittrick Meadow Valley Meadow Vista Mendocino Mendota Menifee Menlo Park Merced Mi-Wuk Village Middletown Midpines Mill Creek Mill Valley Millbrae Milpitas Mineral Miramonte Miranda Mission Viejo Modesto Mojave Mokelumne Hill Monrovia Montague Montara Montclair Monte Rio Monte Sereno Montebello Montecito Monterey Monterey Park Moorpark Moraga Moreno Valley Morgan Hill Morro Bay Moss Beach Mount Shasta Mountain Mesa Mountain View Mt Baldy Murphys Murrieta Myers Flat Napa National City Natomas Needles Nevada City New Cuyama Newark Newbury Park Newhall Newman Newport Beach Nice Niland Nipomo Norco North Edwards North Fork North Highlands North Hollywood Northridge Norwalk Novato Oak View Oakdale Oakhurst Oakland Oakley Occidental Oceanside Ocotillo Ojai Olancha Old Station Olema Olivenhain Olympic Valley Ontario Orange Orange Cove Orangevale Orcutt Orick Orinda Orland Orleans Orosi Oroville Oxnard Pacific Grove 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Solvang Sonoma Sonora South El Monte South Gate South Laguna South Lake Tahoe South Pasadena South San Francisco South San Jose Hills South Whittier Springville Squaw Valley St. Helena Stanton tinson Beach Stirling City Stockton Stratford Strawberry Strawberry Valley Stronghold Studio City Sugarloaf Suisun City Sultana Summerland Sun City Sun Valley Sunland Sunnyvale Sunset Beach Susanville Sutter Creek Sylmar Taft Tahoe City Tahoe Vista Tahoma Tarzana Tecate Tecopa Tehachapi Tehama Temecula Temple City Templeton The Sea Ranch Thermal Thousand Oaks Thousand Palms Three Rivers Tiburon Tomales Torrance Trabuco Canyon Tracy Trinidad Trinity Center Trona Truckee Tujunga Tulare Tulelake Turlock Tustin Twain Twain Harte Twentynine Palms Twin Bridges Twin Peaks Two Harbors Ukiah Union City Upland Upper Lake Vacaville Valencia Vallejo Valley Center Valley Ford Valley Springs Valyermo Van Nuys Venice Ventura Vernon Victorville Villa Park Visalia Vista Volcano Wallows Walnut Walnut Creek Walnut 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This web site is owned and maintained by David Fluker, who is solely responsible for it's content. The site is not maintained by nor affiliated with Covered California, and Covered California bears no responsibility for it's content. The e-mail addresses and telephone numbers that appear throughout the site belong to David Fluker and cannot be used to contact Covered California.
Most common SEP qualifying events include: Loss of Employer Coverage, End of COBRA or Cal-COBRA, Separation from Military Service, Marriage and Birth or Adoption of a child. There are other SEP events as well which may allow you to enroll outside of Open Enrollment.
Small Employer Group Plans are available for year-round enrollment. Benefit choices include health, dental, vision, life and disability. Plans are available from Anthem Blue Cross, Kaiser Permanente, Aetna and Health Net.
Short Term Health Plans are available year round and does not cover pre-existing conditions. Coverage can begin the next day, and plans can be purchased for up to 3 months per enrollment (effective 4/1/17 per CMS/HHS). Petersen International Short Term Health is guaranteed issue with no health questions.
Medical Bridge Plan is available for California Residents 60-95 years of age. Available up to 3 months per enrollment for those waiting to enroll in Original Medicare.
International Travel Medical Plans are available year round for visitors to California, Students and California personal or business travelers going overseas. Short- and long-term options are available as well as employer group coverage.
Medicare Supplement Plans For California Seniors 65+
Medicare Supplement open enrollments are offered with no underwriting on your birthday plus 30 days. You can change to any like or lesser Medigap plan guaranteed issue. Blue Shield CA is continuing the year-round open enrollment (birthday rule). Change in any month to a Blue Shield Medigap plan from your current plan if you can save money!
The future of the ACA/ObamaCare is now in question with the Trump administration. Indications are that the House and Senate may work quickly to repeal and replace the ACA with a new health insurance system. How soon they may roll out a replacement is anyone's guess at this point. Stay tuned and be sure to visit my Facebook page for updates on TrumpCare as well as updates and information on our BLOG.
I hope that you find my web site helpful, useful and able to meet your needs in terms of information. I look forward to hearing from you and helping you find the right health insurance coverage plan to meet your needs.
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Gilroy, California - Serving California Residents Since 1995 California License 0B58920
Covered California Extends 2018 Annual Open Enrollment Period
In a short Twitter exchange this morning (8/10), I was informed by Covered CA that the California enrollment period will run from 11/1/17 - 1/31/18, the full 3 months! States under the Federal Marketplace (FFM) currently will only have the 45-day window closing on 12/15/17. This is great news for California residents, espcially those on Anthem Blue Cross plans who will be forced to find new coverage for 2018.
Anthem Blue Cross Leaving Most California Rating Areas for 2018
Anthem Blue Cross has announced that they will not be selling any individual & family health insurance coverage in 16 of the 19 California rating areas in 2018. This includes both Covered CA and Off-Exchange markets. Those with Anthem individual & family health plans in affected rating areas will not be able to renew coverage with Anthem for 2018. Plans will be available in certain rating areas including Northern Counties, Stockton area and Santa Clara County. Those on Covered CA Anthem plans will be automatically migrated to the lowest cost same tier health plan if no renewal action is taken. This action does not apply to Grandfathered Plans, Small Group Plans nor Medicare Supplement plans.
Blue Shield Increases "New To Medicare" Supplement Discount
Beginning August 1, 2017, Blue Shield of California has increased the New To Medicare monthly discount on Supplement Plans A, C, D & F. The new discount is $25 per month for the first twelve months. This discount applies to Medicare beneficiaries 65 and older who are enrolling in Part B for the first time.
Covered CA 2018 Rate Increase Average 12.5% Depending On CSR Subsidy
Covered CA has announced a 12.5% average rate increase for 2018. Variations will occur depending on age and rating area. An additional 12%+ may be added if the CSR (cost sharing subsidy) is not paid to the insurance companies by the Trump Administration.
Cigna To Leave California Individual & Family Health Market Cigna has notified agents and subscribers that the carrier intends to terminate individual & family health insurance in California. Plans will expire on 12/31/17 and will not be available for renewal nor purchase in 2018.
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Why Use An Agent?
I help you make sense of the insurance policies available, find the coverage that makes the most sense for your situation, help you apply for coverage and provide ongoing service on your policy. You can always call me instead of an insurance company or marketplace with questions, issues or changes in your life or coverage needs. There is no fee or cost to you for my services. Agents are paid by the insurance companies. Your premium will be exactly the same as directly from the insurance company or exchange.