Looking To The Future

This information is outdated now. SEE THE NEW Obamacare MATERNITY INFORMATION HERE. It’s the beginning of the New Year, 2013, and many changes are going to happen this year. The first of the changes involves the maternity plans in California. When getting maternity insurance, California mothers want to be able to minimize the costs of the pregnancy and the delivery. But mothers also want to be able to see the doctor they are comfortable with. So most mothers-to-be will select a PPO plan before they get pregnant. At SPF Insurance, we specialize in maternity coverage, so we spend a great deal of time analyzing allRead More →

Tweet We’ve just published a new page on the website that covers all the information you want to know about Health Savings Account (HSA) health insurance plans. We cover what they are, how they work, who they’re good for, what their pros and cons are, and we analyze all the California HSA plans to determine which plans are the best for you. When HSA’s were introduced in 2004, they were really popular because they were the lowest cost health insurance plan available. Over time, the costs of HSA’s has changed, and they aren’t usually the lowest cost anymore. However, for people in some situations theyRead More →

Tweet I always watch for reports that rate things I'm interested in.  Especially when it's related to my profession as a health insurance broker in California.  The August 7th report from US News regarding the "Best California Health Insurance Plans" caught my eye because they are a large well known organization with a huge audience.  My first glance at the report made my stomach clench into a knot, and I knew there was a problem with what they were showing.  Their results could mislead people into picking plans that are too expensive, or simply scare them away from trying to get health insurance at all.Read More →

After a lot of analysis and data crunching, we’ve finally gotten all the new California maternity plans analyzed. The state of California mandated that all health insurance plans offered in the state after July 1st, 2012 had to provide coverage for maternity care. As a result, every insurance company adjusted their plans and their pricing to include this benefit. The result of this analysis is a ranking of the best maternity insurance in California. Prior to July 1st, there were only 27 plans that provided benefits for pregnancy costs. Now there are up to 120 plans to choose from (depending upon which county you liveRead More →

With the beginning of April it becomes time to start running quotes for individual and family health insurance rates with a May 1st effective start date. The new rates and changes that Anthem Blue Cross of California announced in March now become very evident. Many Anthem customers that have older health insurance plans have seen their rates finally reach the “pain threshold” and as a result they are looking for lower cost alternatives. My quick assessment, from the first half dozen quotes I’ve run, is that Anthem has given up a huge chunk of their lead over the other individual and family health insurance companiesRead More →