3rd Open Enrollment - Email 1

Open Enrollment is here! November 1st, 2015 – January 31st, 2016

tel: 1-818-508-7177

 

Open Enrollment is here and we have everything that you need to help you!

Greetings for a wonderful Sunday, 

Open Enrollment is here! November 1, 2015 – January 31, 2016.

The A+ Insurance Team wants to make sure you are reviewing your current health plan to ensure it is still meeting your healthcare needs. We have been preparing for this moment. If you are Happy with your current plan, you can keep it! Please e-mail us or call us to let us know. We are learning that most people are very happy with their plan. This year the new market negotiating an average weighted statewide rate increase (some decreases) of 4%-10%. We learned that California focuses on cost efficient network of providers and hospitals managed to keep a grip on premiums. 

Blue Shield 2016: news:

  •  Blue Shield is moving from EPO TO eExclusive PPO Network! This will allow you to see out of network providers and will increase access to care.

~A broader network and a new rates will be involved.

  • Blue Shield PPO plans will offer additional benefits including the flexibility to receive services from providers outside of their Exclusive PPO Network without a referral (for an additional cost), and access to the BlueCard® program for urgent and emergency care while traveling throughout California and across the U.S.

  • We still recommend to access an in network provider for the lowest possible out-of-pocket.

  • Blue Shield and Anthem BC will be the only Health Plans that will offer PPO plans. 

As a reminder, you need to be enrolled by December 15th for coverage effective January 1st, 2016!

  Travel Safe Outside the United States 

For traveling well and safe outside the United States. It is highly recommended to cover yourself with medical insurance that responds anytime, anywhere. No Pre-existing conditions apply if you have a policy in the states.

Benefits Include:

  • Worldwide Medical Evacuation benefits

  • Direct payment for Hospitalization, Surgery, Physician Office Visits, RX and more. ***

  • Access to Profiled, Elite Providers in 180 countries who accept direct payment from your health plan.

For a quick quote & to apply, please click here or call us @ 818-508-7177  

*** Tip of the Month:Did you know that the practice of meditation is becoming known for antidote to stress. More people are implementing mindfulness into their daily routine which creates a process of healing, more peace, clarity, balance and healthier lifestyle.Please ask us how to start, we can help! 

 

Further, we would also like to inform you of some additional low cost plans that can help with the out of pocket costs you may experience. Please review the links below for additional information. We are more than happy to answer any questions you might have about how the plans below could help protect your finances. Accident Plan - A schedule of payments that are paid directly to YOU, not the provider, in the event of an injury due to an accident.  One trip to the emergency room due to an accident and you will receive a minimum of $125. This can be used to help pay your co-pay, deductible or whatever YOU decide is best.  You can apply for this plan up to age 80.   Plans start at $14.15/month.

 Active Care - Cancer package -  Did you know that 1 in 2 men and 1 in 3 women are going to be diagnosed with cancer at some point in their lifetime, and that the average cost of expenses associated exceed insurance coverage by over 30%?  And that doesn't include specialists! This is a "lump sum" plan that will pay from $5000 to $100,000 (depending on your desired coverage amount) upon DIAGNOSIS.  The Active Care also allows you to bundle other plans that will help pay your out of pocket costs as well.  Plans are rated by age and start at $7.80/month.

 From our heart to yours and as we are approaching the 3rd. historic Open Enrollment, we would like to wish you many blessings from our team to you and your family. Please be sure that we are here to help. Love & Light,Naama & the A+ Insurance Team

  Enjoy SAFE and SECURE travel with AFFORDABLE travel medical insurance. 

For a quick quote & to apply, please click here or call us @ 818-508-7177 (ask for Omar or James).

 

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