natural childbirth - Midwife

This is the first in a series of interviews with health professionals regarding natural birth options. We previously outlined a number of childbirth choices that included midwives, birthing centers, water births, home births, and hospital midwife births. San Diego women have many choices when it comes to alternative birth options. A simple Google local search for a midwife shows over 50 local businesses that provide midwife care. In this interview with Jamin Sylvada of San Diego Midwife we discuss what a midwife does, how to select a midwife, is using a midwife right for you, how they work with health insurance companies, and what theRead More →

Health Care Reform Is Confusing

  In the last few months we’ve seen a lot of Health Care Reform rules and regulations being introduced by the Health and Human Services Department. Every time that happens, the media gets hold of it and all kinds of articles are written in the Wall Street Journal, the New York Times, and the TV network news programs talk about it. All the analysts start talking about the pros and cons, and what it means to businesses and individuals. The problem with this is, many times one writer looked at the regulation, and wrote a piece about it. Then other writers start using pieces fromRead More →

Recently we’ve been speaking to a number of you that have old health insurance plans that you’ve stayed with for ten or more years.  These older plans are known as “GrandFathered Health Plans” by the Affordable Care Act (ACA), and have special exemptions with respect to ObamaCare.   The dilemma you are currently facing is what to do about the large price increases you’re about to experience.  Should you stick with the grandfathered health plan or change to a lower cost health insurance plan?  We’ll cover the tradeoffs between staying or switching plans, review the changes that have occurred, and give you our recommendations inRead More →

  The First Wave Of Increases Rolls In Were you stunned when you opened the letter from your health insurance company and saw what your plan is going to cost in 2013. You probably thought to yourself, “Wasn’t Healthcare Reform supposed to prevent health insurance rate increases like this?” The truth, unfortunately for you and many people, is in the details about how the federal government regulates healthcare through ObamaCare, and the management of healthcare programs at the state level.  We’ll cover these details along with SOLUTIONS you can use to escape the rate increase you face. In the NBC Nightly News video below, LisaRead More →

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 Finding Affordable or No Cost Insurance For Your Child Every child needs dependable health insurance.  However, not all parents can afford the full cost of private medical insurance.  As a result, there are a variety of programs offered by the state of California and private organizations that can provide health care to financially strapped families.  Through these programs, there should be no child in California that doesn’t have health insurance. In the sections below we will give an overview of the child health insurance programs that are available in California.  Some of these plans provide complete coverage for children at no cost, and othersRead More →

Tweet What Do We Do About Health Insurance After Having A Baby? Bringing a new baby into the world is an honor and a joy, so first off we want to congratulate you on that. Within those first 30 days there are big decisions to be made and what we’re going to do is give you a look at how choosing the right California health insurance after having a baby can be simpler than you might expect. The key to being empowered to make the best decision for your family is understanding your options, knowing what steps to take, and that’s what SPF Insurance willRead More →

Tweet New Series Of Six Articles Discussing California Baby Health Insurance Today SPF Insurance is introducing the first of six new pages and posts dealing with baby health insurance, and child health insurance. The first is a new page titled “How To Get Health Insurance For My New Baby?“. This page provides new mothers and fathers with the information they need to be able to transition their newborn from being covered on the mother’s plan to having it’s own plan. We cover the various options that are available, and the time frames in which decisions have to be made. The purpose of the page isRead More →

Tweet Many Kaiser health insurance plans have always offered maternity coverage.  With the July beginning of the California mandate that all health insurance plans provide maternity and autism coverage, Kaiser added these benefits to the plans in their portfolio that did not already have them. For most of its history, Kaiser has been an HMO (Health Maintenance Organization) plan provider, but in the early 2000s they added PPO plans (Preferred Provider Organization) to their portfolio.  Kaiser offers three families (groupings) of health plans: a traditional HMO family, and two PPO families.  Within each family the benefits of the plans are the same but the deductibleRead More →

Tweet Aetna was one of the major insurance companies that did not offer maternity coverage in California until July of 2012.  On July 1st, a new California mandate began and required all plans offer maternity and autism care.  As a result of this, Aetna added these benefits to their existing plans and increased the rates slightly. Aetna announced they are leaving California individual and family health insurance marketplace at the end of 2013. Go here to learn about good Aetna health plan replacements. If you are looking for maternity coverage, the Aetna plans are not a good choice because of their higher deductibles. Click thisRead More →

Tweet Prior to July 1st 2012, Cigna did not offer any maternity insurance plans in California, and their plans were not competitive.  On July 1st they added maternity and autism care to all existing plans and made slight pricing adjustments to position their plans to gain market share in the California marketplace. The Cigna portfolio of health insurance plans is simple to understand, and is composed of only 3 plan families.  The plans are mainly targeting the middle and upper benefit levels, and the pricing is competitive for people age 35 and higher.  Cigna decided not to target the low-cost portion of the market. OneRead More →

Tweet Most Californians will probably see higher prices for their health insurance.  Whether it be through their company insurance plan, or their own individual and family health insurance plans.  The price increases come in the form of a letter received just before a birthday, and potentially every quarter.  California health insurance premiums go up each year, just like the sun rises each morning.   Insurance Costs Rise, But More Slowly   Annual family health insurance premiums rose about 4 percent to $15,745 in 2012, according to the latest survey by the Kaiser Family Foundation and Health Research and Educational Trust Now that's a fairly modest increase by historical standards, andRead 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 →

Impact on families and individuals

Tweet     Incontinence and prolapse: You don’t have to live with it! Do you or a loved one suffer from pelvic floor disorders? Join us for light fare and girl talk to find out what options you have and how to prevent incontinence and prolapse from developing.   Come hear the experts speak on common, but underreported conditions that millions of women suffer from. Find out what options you have and how to prevent these conditions from developing at this free event.   Join us for light fare and girl talk When: Wednesday, Aug. 15, 2012, 5:30 p.m. — 7:30 p.m. Register by Aug. 8. Where: Goldberg Auditorium, UCRead More →

Tweet   The state of California required all health insurance companies to include coverage for maternity and autism beginning July 1st.  Anthem Blue Cross offered these benefits in only a handful of their plans, so they made changes to the rest of their health insurance plans to include these new benefits.  The net effect of these changes is that Blue Cross raised the rates on most plans in May to account for the July benefit changes, and dropped a few plans. The Anthem Blue Cross portfolio of plans is very diverse and includes lower cost plans for rate conscious consumers as well as full featured plansRead More →

SPF Insurance provides information to our clients to solve health problems and insurance problems. The classes offered by Palomar Health can help you understand what your options are and help you maintain your health. We encourage you to explore their upcoming classes and sign up for those that appeal to your needs. If this is helpful, tell your friends about it! Tweet   Palomar Health provides a large variety of free and low-cost health education classes. The classes are led by physicians and other professionals, and in some cases also provide free screenings depending upon the class topic. The Featured Class in August is :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 →