What are ‘Partnership for Long-Term Care’ programs?
Medicaid covers long-term care for low-income individuals, but requires spending down assets to qualify. In California, Connecticut, Indiana, and New York, the Partnership for Long-Term Care program allows participants to keep assets equal to insurance benefits paid before qualifying for Medicaid. Policies must meet state requirements, offering benefits like inflation protection and care coordination. Connecticut […]
Is Medicare Part C Worth It? Here’s the Catch.
Medicare Part C, or Medicare Advantage, combines Parts A and B and often includes Part D prescription drug coverage.
What Does Dental Insurance Cover?
How to Choose Health Insurance: Your Step-by-Step Guide
To choose the best health insurance, first decide where to shop—employer plans or state/federal marketplaces. Compare plan types (HMO, PPO, EPO, POS) based on costs, referrals, and provider networks. Check if your preferred doctors are in-network. Estimate total costs, including premiums, deductibles, and out-of-pocket expenses. Consider extra coverage perks and ask questions about medications and […]
Medicare Supplement Insurance Costs
Considerations When Purchasing Health Insurance
The Affordable Care Act (ACA) simplifies obtaining health coverage in California by standardizing benefits and cost sharing among insurers. Consumers should consider costs, provider networks, benefits, and quality when selecting coverage. Monthly premiums vary based on age, location, and coverage level. Options include PPO, EPO, and HMO plans. It's essential to verify if preferred providers […]
Understanding Insurance Costs
Health insurance in California involves various out-of-pocket costs, including deductibles, copays, and coinsurance, which can be confusing. A deductible is the amount paid before insurance coverage begins, with higher deductibles typically associated with lower premiums. Copays are fixed amounts paid for services, while coinsurance is a percentage shared between the insured and insurer after the […]
Low-Income Health Insurance in California
Medi-Cal provides free or low-cost health insurance in California for low-income adults, pregnant women, children, and immigrants regardless of status. Income limits vary by group, e.g., under $1,800/month for singles. Programs like CHIP, CCS, and CCHIP assist children with specific needs. Covered California offers subsidized ACA plans with rate discounts and Enhanced Silver options. Additional […]