Hello, this is George Geldin with a California Individual Health Insurance Update and
Medicare Update for September 25th, 2015.

Sadly, the weather is changing; maybe the last day can wear a Hawaiian shirt and
because autumn is here, it also means that Open Enrollments are just around the corner.

What’s cooking?
Well, the first thing most importantly, is for those people who work,
are on Covered California, who are getting subsidies: you must give Covered California
consent to verify your income and your family size for 2016.

If you haven’t already given them permission to do so, you must call them or log into
your Covered California account and give them permission to do so by September 30th,
that’s 5 days from now, or you will have to reapply for your subsidy for 2016.

Secondly, people who were covered by Assurant plans must replace their coverage in 2016
as Assurant is leaving the California market. These plans remain viable to the end of
the year, but they will end on December 31st, 2015 so they must be replaced.

Number 3: In LA, Orange and San Diego counties, Anthem Blue Cross will now be
offering PPO plans to replace their individual EPO plans. This is a good thing
as insurance on these plans will have greater flexibility with providers. If you are
currently on one of these plans, you don’t have to do anything as you’ll be migrated to the
closest PPO plan that matches your EPO plan.

If you want to switch to a different plan, you’ll be able to do so during the
Open Enrollment and if you want to switch to one of these plans during the
Open Enrollment from another carrier, of course you can do that also.

There will also be a couple of new carriers in the marketplace depending on what
county you live in. UnitedHealthcare which you know for individual plans, will
now be marketed under United Health One and also there will be a new carrier
called Oscar which will have some plans.

Our office should have all of these new individual options, rates and benefits
toward the end of October and we can share that with you when we have that
which will give you time to review them for the beginning of the Open Enrollment,
Individual Open Enrollment, which begins on November 1st.

Now Medicare, those of you who are on Medicare, Medicare Open Enrollment begins on
October 15th. This Open Enrollment is for people who are switching between or
enrolling in Medicare Advantage Plans or for people who are enrolling in or switching
between Medicare Part D Prescription Plans. It is not for people who are enrolling in
or switching between Medicare Supplement Plans.

I think that’s about it, but let me review:
so Medicare Open Enrollment (this is my props) Medicare Open Enrollment
is October 15th to December 7th for effective dates for January 1st 2016.
The Open Enrollment in Covered California, and direct with the carriers,
starts November 1st and will extend to January 31st, 2016.

To obtain a January 1st, 2016 Effective Date on an Individual Plan you must
apply between November 1st and December 15th to get that January 1st Effective Date.

Also if you’re on Covered California and you’re getting a subsidy:
to give Covered California consent to verify your income and family size.
If you haven’t done so already, you can call covered California at 800-300-1506 or
log into your Covered California account and follow the instructions there.
You must do so by September 30th or you will have to reapply for your subsidy for 2016.

I think that’s it for now.
Have a great fall ahead and we will keep you up to date.

Be well! Thank you very much for your attention.

(c) George Geldin of Geldin Insurance
877.789.5831