Authorized Independent Agent
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APPLY ONLINE
SHOP FOR COVERAGE
and much more
(do not use these links or online applications for HIPAA-only plans)
APPLY ONLINE
SHOP FOR COVERAGE
and much more
(do not use these links or online applications for HIPAA-only plans)
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David J. Fluker, Licensed Life & Health Insurance Agent. California State License # 0B58920
Authorized Independent Agent Serving California Residents.
Web Site ©1999 - 2010 by David Fluker - The David J. Fluker Insurance Agency. All Rights Reserved.
Authorized Independent Agent Serving California Residents.
Web Site ©1999 - 2010 by David Fluker - The David J. Fluker Insurance Agency. All Rights Reserved.
Anthem Blue Cross is an independent licensee of the Blue Cross Association (BCA). The Blue Cross name and symbol are registered service marks of the BCA.
Blue Shield of California Life & Health Insurance Company is an independent licensee of the Blue Shield Association.
Blue Shield of California Life & Health Insurance Company is an independent licensee of the Blue Shield Association.
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Need Help? Have A Question?
Call 800-509-0659
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The David Fluker
Health Insurance Agency
Gilroy, California
CA Insurance Lic # 0B58920
Tel 408-847-6139 Fax 408-762-4450 Toll-Free 800-509-0659
CA Insurance Lic # 0B58920
Tel 408-847-6139 Fax 408-762-4450 Toll-Free 800-509-0659
Healthcare Reform - 2010
With the recent passage of the Healthcare (insurance) reform bill, and subsequent passage of the House "fixes" as well as universal carrier agreement concerning children with pre-existing conditions, below is an outline of changes and when they will be implemented.
2010 (within the first year)
* Young adults will be allowed to stay on parents policy to age 26
* Seniors will get a $250 rebate towards Rx costs in the donut hole
* Insurers cannot exclude coverage to children to age 19 with pre-existing conditions
* Insurers cannot rescind a policy to avoid paying medical bills when a person becomes ill
* Lifetime limits on benefits will be removed as well as any annual benefit caps
* New plans must provide preventive services with no co-pays (all plans must comply by 2018)
* A temporary re-insurance program will be created to help offset cost of coverage from companies that provide early retiree health benefits 55-64
* New plans will be required to implement an appeals process for coverage determinations and claims
* Adoption tax credit and exclusion will increase by $1000
* After July 1, 2010, a 10% tax will be imposed on for indoor tanning services
* Businesses with fewer than 50 employees will get tax credits covering 35% of their premiums increasing to 50% by 2014
2011
2010 (within the first year)
* Young adults will be allowed to stay on parents policy to age 26
* Seniors will get a $250 rebate towards Rx costs in the donut hole
* Insurers cannot exclude coverage to children to age 19 with pre-existing conditions
* Insurers cannot rescind a policy to avoid paying medical bills when a person becomes ill
* Lifetime limits on benefits will be removed as well as any annual benefit caps
* New plans must provide preventive services with no co-pays (all plans must comply by 2018)
* A temporary re-insurance program will be created to help offset cost of coverage from companies that provide early retiree health benefits 55-64
* New plans will be required to implement an appeals process for coverage determinations and claims
* Adoption tax credit and exclusion will increase by $1000
* After July 1, 2010, a 10% tax will be imposed on for indoor tanning services
* Businesses with fewer than 50 employees will get tax credits covering 35% of their premiums increasing to 50% by 2014
2011
