The California Open Enrollment Period for health insurance begins on October 15th. All applications submitted between 10/15 and 12/15 will result in a health plan starting on January 1st, 2020. If you want to renew and stay in your current plan you don’t need to do anything. Your insurance company and/or Covered California will automatically renew your existing health plan for 2020. The 2020 health plans and pricing will be available online beginning October 15th. Between now and then we can only speculate what your pricing might look like, and we can not submit new applications until 10/15. Big Changes Are Occurring In 2020! YourRead More →

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For 30 years these plans have lain on the side of the stream, waiting for the right time. The time is now. Health Share Membership plans are becoming a mainstream option because of the significant price increases in Obamacare health plans the last couple of years. Well over 1 million people are now enrolled in these health share ministry plans. Many people I talk to have never heard of these policies. So, to help clients and visitors get a better understanding of what these health care sharing plans are, we’ve created a new section of the website with information about how these plans work, alongRead More →

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Health Net is trying to get everyone to make use of preventive care. This includes an annual wellness visit and all the lab tests associated with it. To help members utilize yearly wellness services, Health Net enlisted the help of MedXM to provide in-home visits by a doctor and/or nurse practitioner. For members with limited mobility, this new service could be a difference maker. Having the provider come to your home would make it easy to get regular yearly preventive care. There is no extra charge for this service. The wellness visit will take about 45 to 60 minutes to complete. The results and dataRead More →

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why are covered ca applications so hard?

We recommend Covered CA applications be completed using the help of our brokers. However we know that some of you like to do things on your own. We can now help make that easier for you.

We’ve created a new page that walks you through the process of setting up your initial account with Covered California. We give you step by step instructions showing the actual Covered CA pages. Then we show you how to connect SPF Insurance into your application so we can help you if (when) you run into a jam. Read More →

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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 →

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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 →

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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 →

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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 →

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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 →

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How much someone, or a company, is willing to spend is what determines how easy it is to find an affordable health insurance plan. A few individuals might just buy an expensive comprehensive plan that costs hundreds of dollars a month, but most would prefer to find a plan that costs a lot less. The more benefits you want a plan to have, the more the plan will cost. Therefore, someone wanting the most benefits would buy a comprehensive plan at high cost, while another would opt to get a high deductible plan at much lower expense. As luck would have it, the San DiegoRead More →

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