If you are already enrolled in a Covered California plan and received a notice asking for citizenship or immigration documents. Click Here to learn what you need to do. You can also contact us as your assigned agent to assist.

Did you upload your Documents in time?

If NOT?

to assist you - before your coverage can potentially be terminated

Immigrants Scramble to Prove Eligibility for Covered California

[Click Link for Full Story]

What to do if your income changes and you are receiving a subsidy?

What if my Income Changes during the year?

If your income changes, your subsidy amount may

go up or down. You should

contact us or Covered California right away (within No More than 30 days) to adjust the amount of subsidy you receive. If you estimate your income too low - and get a higher subsidy as a result - you could have to pay back some of the subsidy at tax time. Alternatively, if you estimate too high, you could get a credit.

In addition, if you have coverage, and received a subsidy via the IFP Covered California or Federal "Obamacare" Healthcare.gov Website, and you now have employer coverage or your income changed by "plus or minus" (+/-) 10%, you may be subject to the penalty and reimbursement of any subsidized amounts, if you do not report the correction within 30 days.

For assistance making changes or understanding if you still qualify, don't hesitate to contact us at (408) 615-1280.

Also, if you are self employed, receive a 1099 or your hours or W2 income have changed, we highly suggest you review your income and compare it to the state income guidelines to confirm whether you need to make a change.

Click Here to review the following Important guidelines:

Covered CA guidelines

Covered CA Tax Credit FAQ's

Income guidelines.

Health Net changing

PPO plans in the

Covered California Exchange

to EPO plans.

Health Net

is making changes

to PPO Plans in the

Covered CA Exchange.

Health Net is making some significant changes to their California Individual
& Family Plan portfolio for 2015.

Health Net PPO insurance plans will be offered OFF-EXCHANGE ONLY in the same rating regions as 2014. Plans and network will be virtually the same.

Pending regulatory approval, Heath Net will introduce two new tailored network-based plans: an Exclusive Provider Organization (EPO) insurance plan in Central and Northern California, and a Healthcare Service Plan

(HSP) in Southern California.

These new plans will be available via both Covered California™ and directly from Health Net. Network info should be available on their Provider Search in November.

In addition, in Southern California, Health Net will continue to offer their HMO plans that use the Community Care provider network in the same regions as 2014, via both Covered California and directly from Health Net.

Health Nets 90-day plan closure notices to members who are on PPO plans through Covered California went out on October 2, 2014.

Lastly, Please Contact us at Be Well Insurance Solutions if you would like to make changes to your plan or have questions regarding these changes in the healthcare market place.

As a courtesy, attached is an article from the Broker Pulse blog site on September 29th
that we STRONGLY SUGGEST YOU READ and familiarize yourself with Especially if you are a current Health Net member. Link

Employer Group Update

2015-2016
Employer Penalty Changes

It's been said "the only constant is change" - and that certainly applies when it comes to health care reform. Your Be Well Insurance Solutions Team understands the challenges of trying to hit a moving target in keeping up with all of these changes, especially when it comes to potentially costly issues like the Affordable Care Act (ACA) employer penalties.

To help educate you about when the penalties apply, we are providing two charts that take complex regulations and condense them on a single page. You can link to these new charts - one for 50-99 employee groups, one for 100+ employee groups - by clicking on them below.

We want to make sure our clients are in compliance so they avoid the "A" penalty, but who do not realize they could be subject to the "B" penalty.

As always, our goal is to provide you with time-saving resources that simplify complex health reform issues. We trust these charts will be helpful tools for you.

If you have any questions about the tool or any other matter, please contact your Be Well Insurance Solutions representative, or call 408-615-1280.

Thank you for your business!

NEW Small Group

SB1446

Regulation signed into Law

On July 7, 2014 Governor Brown signed SB 1446 into law. This legislation will have a significant impact on the health insurance options for many small businesses in California. Estimates are that up to 80 percent of small businesses in California "early renewed" their group health insurance plan in December 2013.

Click Here

to learn more and see if you qualify to keep your plan for another year?

Happy with our service?

Review us on Yelp

Open Enrollment Runs from

Nov. 15th

Feb. 15th, 2014

It's been a Rocky Start, but if you are enrolled in a medical insurance plan as of April 2014 consider yourself Lucky!

If you are enrolled in a group sponsored health plan and it meets the Minimum Essential Health benefits, and the employer shared responsibility mandates, then you have little to worry about.

However, if you are an Individual without coverage, and forgot or did not sign up for an Individual-Family plan [IFP] coverage in 2014, be prepared to pay a tax/penalty of 1% of your taxable income or $95, whichever is greater. To learn more here's a helpful link.

REMEMBER:

November 2014: open enrollment begins for health insurance plans through Covered California™
February 15, 2015: open enrollment for coverage in 2015 ENDS, but throughout the year, you can still enroll if your circumstances change. You can also be found eligible for Medi-Cal year round.
2014-15 Cov. CA Renewal FAQ's
Click Here for a list of items you need to bring or have with you, when you are ready to enroll with one of Be Well Insurance Solutions Certified Agents.

As your Agency of choice, we set aside 1 on 1 time to assist you with enrolling in Covered California, or direct to any available Carrier plan. Please Contact Us if you have any inquiries whatsoever regarding enrolling, changing or re-enrolling in a Health, Dental, Vision, Life, or any other Ancillary plans you many need.

Sincerely,

Sylvia Oliverez

Be Well Insurance Solutions

408-615-1280

10 things immigrant families need to know about the Marketplace

Affordable coverage options are available in the Health Insurance Marketplace for immigrant families. If you've recently moved to the United States and had a change in your immigration status, here are some things you should know about Marketplace coverage: Click Here for More Details

Please Review the Covered CA Income Guidelines Here to see if you qualify for Medi-CAL or Covered CA; or

JUST CALL US (408) 615-1280 and we can assist you 1 on 1, over the phone, or in person!

Tips to help the Individual Covered CA enrollment process run smoother:

As a courtesy, so your enrollment in the Covered California Systems run smoother, and before meeting or speaking with one of our Agents at Be Well Insurance Solutions, we've attached some tips, and request that you please have the following with you, and available to fax to us, in order to make sure your enrollment is not delayed in the Covered California systems.

A valid government or state issued picture ID
Know or bring a copy of your Social Security card
A copy of your most recent taxes (ie. 2013 taxes)

If you are an immigrant, or recently moved to the United States and had a change in your immigration status, below is a list of items we will need:

A valid government issued ID
- Click Here for a Sample of Acceptable ID's
- Click Here for a list of Acceptable ID's
Copy of recent pay stubs
Copy of most recent tax filing
Please Read the attached Immigration FAQ's
- Click here for Immigration FAQ's: Link

If you signed up for Covered California on your own, but do not have an assigned Agent to assist you, and you need help understanding your coverage or enrollment options, we can help by becoming your assigned Agent of Record. For more information on this and any other enrollment inquiries, Just Give Us A Call at (408) 615-1280.

Californian's AGAINST Higher Healthcare Cost

Proposition 45 is Bad for the Health of Your Business

See Change Leaving California and Colorado Insurance Market place

Click Here for more information. If you are currently enrolled in a See Change group plan, your Be Well Insurance Solutions Agent will be contacting you to review and guide you in choosing a new option.

To learn more, contact us to assist you.

Governor Brown signs SB1034 into law

On Friday August 14, California Governor Jerry Brown signed into law legislation to bring the state's health coverage waiting period requirements for new hires back into line with federal law.

Be Well Insurance Solutions and the California Association of Health Underwriter's (www.Cahu.org) supported Senate Bill (SB) 1034, authored by Senator Bill Monning (D-Carmel), which would prohibit healthcare benefit plans from imposing any waiting or affiliation period before issuing health coverage. The intent of the bill is to resolve confusion between state and federal law and to better conform to provisions of the Affordable Care Act (ACA). While the ACA had established a 90-day waiting period that applies broadly to employers, California had established a 60-day waiting period.

Plan sponsors in California will now be allowed to adopt eligibility waiting periods of up 90 days, as permitted by the ACA, which could provide administrative relief for employers.

The new legislation affects both small and large group health plans, regardless of grandfather status, for plan years

beginning on or after January 1, 2015. Plans beginning before that date have to comply with the prior law.

Next Steps for Employers:

For the 2015 plan year, decide what waiting period and/or orientation period you want to adopt and notify eligible employees and plan participants, either in your Summary Plan Description (SPD) or in a Summary of Material Modifications (SMM) if your new waiting period will be different from your prior one.

California employers can impose an ACA-compliant waiting period, which is a waiting period of up to 90 days (first of the month after 60 days).

Additionally, the waiting period can begin the first day after a one-month bona fide "orientation period."

If your 2014 plan year already began (so you already changed your eligibility waiting period to be first of the month after 30 days) and want to change to first of the month after 60 days, or to include a bona fide orientation period, you will need to amend your plan effective January 1, 2015.

For further assistance with making this changes, make sure to contact us with ample time before your scheduled renewal and Open Enrollment period to assist you with making sure all documents are in order.

Click here for the Federal Notice on ACA 90 day WP

Click Here for Additional information on CA SB1034

Attention: ALL Employers!

Do you know if you are ERISA Compliant?

ERISA compliance is not just for large employers as most would think.

Did you know that The federal law ERISA (Employee Retirement Income Security Act) imposes administrative obligations on ALL employers with employee benefit plans?

DOL ERISA Compliance Link

To better understand and make sure that you are meeting the ERISA compliance guidelines, contact us for review of your current ERISA obligations and to assist in guiding you. The DOL is auditing employers of all sizes. Those caught in violation will pay penalties up to $1000/day, per employee the violations effect.

Learn What's Wrong with Prop. 45

Proposition 45 is Bad for the Health of Your Business

Learn What's Wrong With Prop 45

Voters have a clear choice with Prop 45: keep the new independent commission in charge of controlling health care costs or give that power instead to one elected politician who can take campaign contributions. Click Here to learn What's Wrong with Proposition 45 and Why you should Vote No on Prop. 45.

At Be Well Insurance Solutions we appreciate your business and want you to feel like no matter what the insurance inquiry or requests, we are here to assist. Please keep us in mind whenever you have any insurance needs. And please feel free to refer our services.

The best compliment we can receive is a referral to a friend or family member.

Be Well!

Be Well Insurance Solutions

1555 Homestead Road

Santa Clara,

California

95050

408-615-1280

Insurance Agents played a Key Role in Covered California's Obamacare Enrollment

As enrollment neared under the Affordable Care Act, both President Obama and California officials boasted that signing up for health insurance would be as easy as ordering a book from Amazon.com or buying a plane ticket online.

With that in mind, Covered California's executive director, Peter Lee, predicted a bleak future for insurance agents selling individual policies, saying they could easily go the way of travel agents. Click Here for Full Story