Health Insurance Options:
With the new Affordable Care Act (Obamacare) now in place, millions of Americans now have access to affordable and valuable health care. If you don’t have access to affordable health care through your employer, the following are a few options to consider.
- According to your household income and size you might qualify to receive an Advance Premium Tax Credit (APTC) to help pay your monthly premium. In addition, there are a few additional factors that determine your eligibility. Contact us to see if you qualify during open enrollment. A special enrollment is also available for certain life events.
- Medi-Cal is California’s Medicaid health care program. This program pays for a variety of medical services for children and adults with limited income and resources. Medi-Cal is supported by federal and state taxes. You can apply for Medi-Cal benefits regardless of sex, race, religion, color, national origin, sexual orientation, marital status, age, disability, or veteran status. If you are found (or determined) eligible, you can get Medi-Cal as long as you continue to meet the eligibility requirements. (http://www.dhcs.ca.gov/Services/medi-cal/pages/whatismedi-cal.aspx)
- If you are not eligible for any of the above, you can also purchase your own health insurance plan directly with the insurance companies during open enrollment. We too can help you with that!
What is Long-Term Care?
Because of old age, mental or physical illness, or injury, some people find themselves in need of help with eating, bathing, dressing, toileting or continence, and/or transferring (e.g., getting out of a chair or out of bed). These six actions are called Activities of Daily Living–sometimes referred to as ADLs. In general, if you can’t do two or more of these activities, or if you have a cognitive impairment, you are said to need “long-term care.” Contact us to see if a Long-Term Care policy makes sense for you.
Many people insure most of their items such as: cars, homes, electronic devices, among others, but fail to insure the most important thing: Their Paycheck. When you are not able to work due to a qualified disability, Disability Insurance does the job for you. It can be there to help you pay your bills, your mortgage payment, buy groceries, car payments, and other monthly commitments. Call us to see how Disability Insurance can help you and your family.