Stephanie Frisch-

Insurance 101 Services

Quarterly Insurance Update

Make Educated Decisions

January 2015

Happy New Year!

For those that are curious, I was not successful in my campaign to win a seat on the San Juan Capistrano city council. I don't regret my decision to run, and I walked away from the experience more knowledgeable about politics and all of it's peaks and valleys.

So, back to my normal routine and ALMOST a normal pace.

IMPORTANT!

The deadline for people UNDER age 65 to enroll in a health insurance plan or make changes to their existing coverage is February 15th.

Any changes made, or plans applied for up until Feb. 15th will have an effective date of March 1st 2015.

After February 15th, the only enrollments allowed will be those that have a qualifying life event.

Please see below under Insurance Marketplace 101 for a list of qualifying life events.

2014 was a great year for my business and I have my clients and their referrals to thank for that.

In October I was awarded the 2014 Top Agent Award for UnitedHealthcare Medicare Plans which encompassed the Orange, LA, San Bernadino/Riverside and San Diego county areas.

Thank you and I look forward to working with you in 2015.

Sincerely,

Stephanie

Health Insurance 101

It's a New Year and I have New Appointment

Options for Clients!

In October I signed a lease to have a permanent office in San Juan Capistrano. This office is primarily for me to hold my appointments with my Medicare clients and for those with complicated situations under age 65.

In October I also signed a contract with Web-Ex to utilize their service for phone appointments that have become a more practical and expeditious way for me to help those under age 65 enrolling in Covered California Health or applying directly to the insurance companies for coverage.

When I help a client utilizing the Web-Ex software I send them an appointment confirmation via email. When that time comes they are able to click on the link, download a temporary operating file and see everything that I see and do on my computer. They can see the documents I'm viewing and watch me complete their Covered California and/or insurance application.

It's similar to sitting down with me in my office, but in the privacy of their own home. During these Web-Ex appointments there's an option to see each other using a webcam, but most times I just have people view my laptop screen from their own computer screen and I'm able to help, explain, advise and submit an application within 30 minutes.

This is especially convenient for those needing my help don't live in the nearby area.

My Office Address:

30320 Rancho Viejo Rd. Suite 16

San Juan Capistrano, CA 92675

Take stairs or elevator to the second floor

(My Office Is Located in the Capistrano Professional Plaza)

My Website: YourInsuranceEducation.com

Medicare 101

In the past, Monarch has been the largest network offered in Orange County. But now there is St. Joseph-Hoag Health, and it is a WONDERFUL addition and opens the doors to an extremely large group of primary care doctors, specialists and includes Mission, Hoag, St. Joseph and St. Jude's hospitals.

This new network has combined 9 previously separated medical groups into one.

Hoag Medical Group, Hoag Affiliated Physicians, Mission Heritage Medical Group, Mission Hospital Affiliated Physicians, Mission Internal Medical Group, St. Joseph Heritage Medical Group, St. Joseph Hospital Affiliated Physicians, St. Jude Affiliated Physicians and St. Jude Heritage Medical Group.

So anyone selecting the St. Joseph-Hoag Health network has access to all the specialists participating in these groups if their primary care physician is a part of just one of the groups. Selecting St. Joseph-Hoag health gives you the ability to receive scheduled medical care at all of the hospitals previously mentioned as well. (If you encounter an emergency, you go to the closest hospital until stable enough to be moved)

Insurance Marketplace 101

Special Enrollment periods in Covered California vs. applying directly to the insurance company are about identical.

You can typically only enroll in Covered California during a set time called "open enrollment."

A special enrollment allows you to enroll in or make changes to your health insurance plan outside this open enrollment period. To qualify for special enrollment,

you must have a qualifying life event and enroll within 60 days from the date of that event.
How do you qualify for special enrollment?
* You get married or enter into a domestic partnership
* You have or adopt a child, or place a child in adoption or in a foster home
* You lose your health coverage, including no longer being eligible for Medi-Cal or losing your coverage through your job
* You change where you permanently live or move to another region of the state where plan options are different
* You are released from jail or prison
* You have exhausted your COBRA coverage
* You are already enrolled in a Covered California plan and you become newly eligible or ineligible for tax credits based on your income
* You turn 26 and can no longer be covered by your parents' plan
* You're no longer covered by a college health plan
* You return from active-duty military service
* You become a citizen, national or lawfully present individual
* If you are a member of a federally recognized American Indian or Alaska Native tribe, you can enroll anytime and change plans no more than once per month
* If you applied for health coverage through Covered California before March 31st or Medi-Cal after March 31st and feel you were incorrectly denied
* If your enrollment was wrong due to an error, misrepresentation or misconduct of your health insurance company, Covered California or a non-Covered California entity

* Covered California determines you experienced an exceptional circumstance

Off Exchange Qualifying Life Events (Non- Covered CA)

Special Election Period On Exhange (Covered CA)

Stephanie Frisch

I'm available 7 days a week:

949-351-2443