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Celebration of Light -Love - Health

Celebration of Light -Love - Health

🎉🪅🎊Dedication for a Healthy Celebration, Wishing you all a complete physical, mental, and upcoming social holiday.While I am looking for magic lighting the 3rd candle tonight,it is no secret that supernatural powers over natural forces are the key. So as we enter the final segment of this 2022 stretch, extraordinary power or influence can allow us to experience a supernatural source of health and well-being. While we each hope for our magic, the freedom from physical disease or the pain of doing well is the most valuable asset.As we are going to light the first candle this upcoming Sunday for the celebration of Hanukkah, the festival lasting 8 days reminds us that it commemorates the rededication during the second century B.C. of the second temple in Jerusalem. So I am constantly thinking about the rededication structure building, our new primary opportunity to remember the magic of healing self to translate our state of mind while taking care of ourselves as we were already sick. We are waking up to the opportunity to change the way that leads us so far while finding the courage and faith to take us to the celebration of Christmas the following Sunday, the 25th. This year we will merge the opportunity to celebrate both holidays on the same date. I find this opportunity unique to light the 8th candle for Hanukkah while celebrating Christ's birth, a supper celebration, or a festival. No matter how we feel right now, the truth is that this coming week and the new year days are packed with emotions for many of us. The holiday season is filled with expectations and responsibilities, laden with meaning, nostalgia, and memories of years gone by, a bright present, and an enlightened future.It is a feast, the Winter Solstice (December 21 - 4th Hanukkah candle), a celebration of the season, and the exact moment when half of the earth is tilted the farthest away from the sun. So what can make us exhausted be used as the pre-preparation for this upcoming new year, a new us, a new way of healing, and being aware of the light that can shine even during the darkest time of the year?Together, while drinking lots of water, simply moving our body, taking our vitamin D to enhance the immune system, and starting building the upcoming resolution of learning and adapting to primary health is a key,There is a deadline coming up for the individual market and Covered CA, and you can read and learn the insights below,We at RightPlan would like to share the love and light with you all while finding the path to magic health and self-healing possibilities –❤Naama & The RightPlan Team

Employers Benefits Season

We are in our last stretch of renewing the 2023 benefits solution. This year immediate solutions for employers' benefits cost-compatible options were found by the Cigna-Oscar benefits for employees. For the groups that were qualified and accessed a complete PPO network, we have seen a 20% reduction in premiums.Important message for the Employers/Employees' community –*** Family Glitch – fixed!Your family might qualify for a subsidy for the upcoming year – Now is the time to review your family coverage over Covered CA – You can Now Save - In October 2022, the U.S. Department of Treasury Bureau of Internal Revenue Service (IRS), released a final rule to address the "family glitch" issue.The family glitch deemed employer-sponsored coverage could be considered "affordable" for the employee even if it was not for their family members, which disqualified those family members from eligibility for financial assistance through marketplace coverage (Advance Premium Tax Credits and Cost Sharing Reduction). The new rule, effective December 12, 2022, extends the Affordable Care Act (ACA) affordability definition from being based solely on employee-only coverage to include family members of the tax household beginning the plan year 2023.ACA Employer Reporting AnnouncementThe IRS released a final rule this week permanently extending the deadline for ACA employer reporting by 30 days. This means employers will have until 30 days after the initial deadline of January 31 to furnish these forms each plan year, effective immediately. For 2023, the deadline is now March 2.

Covered CA

Covered CA Options – you want to ensure that you look into qualification under Covered CA.As a community Covered CA storefront, we see many people who weren't qualified in the past qualifying this year.The 10th Open Enrollment is fully on, and the team and I are renewing and enrolling people into the Covered CA exchange, MediCal, or the Private options. This year's rate increase is higher, and the provider network is changing! Then last year, many people are changing carriers and looking into new possibilities for the 2023 benefits year that are not so new. The previous 2 years of Covid took a significant toll on our upcoming 2023 benefits year. The 'FREE' immunizations, ' FREE' Covid Tests, and higher claims utilization created a hike in premium that we didn't expect. We are trying to navigate it all, but it is now more important than ever to look into Covered CA's potential subsidy to lower the cost of the same private plan coverage for people who never qualified in the past.As we mentioned, family members can apply together for health coverage, and we evaluated household members and provided an eligibility determination individually. Some household members may qualify for Medi-Cal, whereas others may be eligible for financial assistance through Covered California (Advanced Premium Tax Credit and Cost Sharing Reductions). Therefore, we are permitted to make changes for these mixed household cases. All changes' effective date will be 01/01/2023.Please try to look into your 2023 benefits year before the holidays so you can celebrate with light, love, and a clear state of mind.Covered CA offers various Dental and Vision, and you can add the benefits to help you ease these high costs of services.Please let us know if you need any help choosing your primary or specialist, but it is essential to know your primary provider in case you need to access care. Moving ourselves to be our primary care person and educating ourselves about the actions we can take to eliminate the confusion of any possible condition and comprehend the possibility of taking our health into our own hands – is critical.As we adapt to almost the same broken set of types of high-cost coverage and limited options, we still need to try and make the wisest decision possible.Together we can support the new way to approach healing and care.

Medicare

So many of you sent us your prescriptions to review by the 12/07 deadline.We were working around the clock to review all the lists. New ID cards are now generated foran effective date of January 1, 2023.• New authorization and tier reduction requests needed –• You can act proactively and do it before you pick up your prescriptions • The pharmacy will need to get your new I.D. card.Please make sure you use your new I.D. card if we change part D for your upcoming 2023.Please remember there is NO coverage for traveling outside the country for Medicare :A supplement policy for traveling is required -

Naama's speaking engagements

Panel discussion as we dug deep to debunk controversies surrounding NFTs and the Honest side of blockchain technologies. While the Metaverse can expose us to the next level of social and cultural interaction, discussion about security is critical.Discussion on building and enhancing the blockchain to share and allow healthcare exposure and communication will play a role in the upcoming year.

Some great news from Washington DC

The Senate Agriculture Subcommittee on Food and Nutrition held a hearing Tuesday

on the critical importance of “food as medicine” efforts. The hearing was led by Subcommittee Chairman Cory Booker (D-NJ) and Ranking Member Mike Braun (R-IN), focusing on public health from the perspective of diet.

New in Benefit Year 2023: Parent and Step-parent as Dependents

Effective January 1, 2023, there is a new definition of "dependent" under California law for the purposes of enrollment in a Qualified Health Plan (QHP), to include a parent or step-parent that you might have.

Life Insurance

An important reminder

- Let us review your current policy –

When was the last time you reviewed your life insurance policy?

Financial well-being is essential in our communities all around the globe.

Did you know? Half of Americans don't own a policy for their life! – This is important -

But it shouldn't be this way.

Look out for your loved ones and apply for a life insurance policy

today

You don’t have to get sick in order to start taking care of your health

Everywhere around us, whatever food or drink we consume, sugar! Even the bread that we love so much contains sugar in it. Unfortunately, it has become so difficult to cut sugar from our diet, and unknowingly we have been poisoning ourselves for years.However, we all could strive to eliminate sugar as much as possible –Sugar is the root cause of many illnesses, such as obesity and diabetes. Our bodies slowly become inflamed. This article looks at 11 reasons why too much sugar is bad for us

What we are reading

The Blue Zones Solution: Eating and Living Like the World's Healthiest People Dan Buettner reveals how to transform your health using smart nutrition, lifestyle, and fitness habits gleaned from longevity research on diets and eating habits.Also, he identified the lifestyle practices of the communities as "Blue Zones."