What College Students Need to know about Healthcare
If you live in the Inland Empire and have needed access to health care but because of your income have had a hard time affording specific marketplace plans you may have come across IEHP or Molina. Both of these institutions are here for the same reason, to provide health services to people regardless of their socioeconomic status. Here’s a little bit more information on each of these companies.
“Inland Empire Health Plan (IEHP) is a not-for-profit Medi-Cal and Medicare health plan headquartered in Rancho Cucamonga, California. We are the largest health plan in the Inland Empire, and one of the fastest-growing health plans in the nation. With a network of more than 6,000 Providers and 2,000 Team Members, we provide comprehensive managed health care coverage to more than 1.2 million residents of Riverside and San Bernardino counties. “ https://ww3.iehp.org/en/about-iehp/
IEHP is known for their large selection of doctors, providing overall healthhttps://ww3.iehp.org/en/about-iehp/ options including wellness information, and always looking for quality over quantity in the type of support and healthcare that they offer.
Both of these companies are dedicated to providing the best care options for their members. If you need to decide which company is a better fit for you, make sure to look at what doctors are available to accept new clients in your area. There may be plenty of doctors to choose from, but while a doctor may take IEHP or Molina, they may not be accepting any new patients. But both companies are known for treating their members exceptionally well.
If you have questions about your health care coverage, please feel free to call us. We are the healthcare experts and are happy to answer any questions that you may have.
We are here to help you. We understand that your health is vital and that many of you need good health insurance to help the cost associated with preventative care as well as care whenever illness or injuries occur. That’s why we want to do everything we can to help you. If you are tired of trying to figure out health care on your own, we are here to answer your questions and walk alongside you to ensure that you get the health insurance that you need.
Our health insurance market has been flooded with change over the last few years. To the point that many people cannot keep up. We know that it’s hard to keep up in a niche market, so that is why we do it for you. As you have questions about new policy, your best options for your business or when you are starting Medicare; we are here to give you the most up to date information.
Webster’s dictionary defines trust as the “assured reliance on the character, ability, strength, or truth of someone or something.” We strive to continue to be above board, up front and honest with all of our clients. We seek to communicate effectively and promptly especially when deadlines are so final with health insurance. And we hope to build lasting relationships with our clients. This isn’t a single transaction, but a desire to see you turn to us for any of your health insurance needs.
We want you to succeed and do everything we can to make the health insurance process as easy as possible. Please contact us today if you have questions about your health insurance.
We’ve seen bills get through the house to be then stood up in the Senate. There have been a load of rewrites and committees being formed to address these issues. We have seen dramatic days of voting and lengthy interviews afterward about who said yea or nay. So what changes have been made to our healthcare? You may have heard about the individual mandate being suspended under a new tax law for future years, but here is one change that will affect your tax return this year.On October 13, 2017, the IRS reversed a recent policy change in how it monitors compliance with the ACA individual mandate. For our 2018 filing season (filing 2017 tax returns) the IRS will not accept electronically filed tax returns where the taxpayer does not certify whether the individual had health insurance for the year. For paper returns that do not certify compliance with the individual mandate, they may be suspended pending receipt of additional information and any refunds due may be delayed.
To avoid refund and processing delays when filing your 2017 tax returns in 2018, taxpayers should indicate whether they and everyone on their return had health coverage, qualified for an exemption or are paying individual mandate penalty. This process reflects the Affordable Care Act‘s requirements and the Internal Revenue Service’s obligation to administer the law.
We hope that this information has been helpful for you as we are in the thick of tax season. Remember that if you ever have questions about your health care insurance, we love to be able to help you and are only a phone call away. If you have questions about taxes, we recommend talking to a tax preparer as they are equipped to help you understand the tax laws.
Looking at what health insurance you need can be an overwhelming process. Sometimes you only look at one aspect, like the monthly cost, and find yourself with huge out of pocket bills to pay later. If you are looking to enroll or re-enroll in Covered California this month, these are some good questions for you to ask yourself.
Over the last year have there been any situations that you did not expect to happen with your level of insurance? Or did you have any unexpected bills? Were you happy with your doctor and the care of service provided to you and your family? It’s good to look and see if there were any pain points over the last year. If you know what you didn’t like, you can see if there are any easy ways to fix that for the coming year.
Are you expecting to have a child? Or are you getting married? Both of these are substantial life changes that you can consider in your health insurance. However, it is important to note that these are also considered life altering events that can put you in a special enrollment period where you can change your health insurance to better match your current needs.
If you are on a prescription medicine it will be important to know if your new provider covers these prescriptions or if your current provider is looking to change their policies.
Looking at your budget is crucial. And this is not just looking at your monthly premiums. This question needs to entail what you will pay out of pocket. What does it cost to see your doctor, to get prescription drugs, to go to the emergency room? You should also know what your premiums cover.
If you need help answering any of these questions, please feel free to call us at Bernardini & Donovan.
The leaves are soon going to change, and we are transitioning into a busy holiday season as well as saying goodbye to 2017. But in the midst of shopping and holiday parties, there is an additional thing to consider. From November 1st to January 31st, Covered California has open enrollment.
In the past year, we’ve watched while there have been many attempts at changing the way our healthcare system works. But for now, it looks like things are staying the same. So during this time, it will be essential to ask yourself a few questions: Am I happy with my current provider? Was there anything in the last year that was particularly difficult for me? Were there any unexpected costs associated with my healthcare? Do I get along with my doctor? Am I getting the best care for my particular needs? Were there any changes to my health this year that will cause me to need additional attention in the future? Was there any significant life changes that happened recently that will cause me to need extra coverage for dependants? Am I getting the most out of my health care coverage?
All of these questions are excellent and need to be considered with your health care. At this time you have an option or changing your health plan to one that could better fit your needs; whether those needs be that you require different types of deductibles or that you need a lower monthly premium. If you would like to change doctors, it is always good to do some research ahead of time. A quick call to a doctor’s office can let you know if they are accepting new patients and what medical insurances they accept. It would not be good to switch coverages just to find out afterward that they doctor you want will not be able to take your insurance.
As always, if you have any questions about your health insurance, we are always here to answer them. We love helping you find the best coverage for your needs.
College can be such a crazy season. Not only are you being challenged more than ever academically, for many students it is their first foray into the adult world. No more is mom around to take care of laundry or make sure that you’re eating a balanced meal (hello Freshmen 15). And to help college students better understand more about health insurance, we thought we could cover some key things college students need to know about health insurance.
Many college students may be under the thinking that they are young, healthy and in no need of health insurance. But that is just not the case. Young people are just as much at risk, and at times more so to need medical care as the rest of the population. Young people, while only making up 14% of the US population also makeup over 50% of all vehicular accidents injuries. Also, one in five young adults will suffer from a chronic illness. A recent study showed that young adults (ages 18-25) are the most likely to suffer from mental illness. Youth does not equate health.
And if you do happen to fall anywhere in these demographics and do suffer from an unexpected illness, accident or mental health issue, medical insurance can be a great help to you. College students also have higher rates of getting STD’s and unexpected pregnancies. Health care is expensive and having insurance can keep you from being in medical debt before graduation.
First and foremost, college students can remain on their parent’s health insurance plans until the age of 26. This applies not just to college students, but even if you’re married or financially stable. This coverage can be beneficial because you do not need to foot the bill for this coverage and there is an opportunity for excellent coverage. There can be some issues if your parents suddenly lose their insurance. But if that happens make sure to read our next blog for more ways you can get coverage as a college student.
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