Joan Chang Insurance

七年級至十二年級的學生必須打預防咳嗽的免疫針﹐

2011-07-02T08:59:00.000-07:00

New Rule for School

NO SHOT, NO SCHOOL

Parents of incoming 7th-12th grade students.

In order for your child to attend school this fall the Law Now Requires student show proof of the Tdap ( Pertussis/whooping cough) Vaccintion booster!

I have Chinese one, if anyone need it, please call me. I can e-mail you.

韓中芬出席World Journal35周年慶祝茶會。

2011-02-14T19:45:00.000-08:00

New Health Care Options for Uninsured Children:

Act Before March 1st to get lower premiums for the Health Care your children May Need.

Important Enrollment Window Closing soon

Individual Insurance

No More Denials for Pre-existing conditions- because of the new federal health care law, all children must be offered health coverage if they apply. Insurance comnpanies can no longer deny kids coverage because of a Preexisting condition like asthma or diabetes.

Apply Before March 1 st to Avoid Much Higher Costs-If you wait and apply after the "open enrollment period" ends on March 1 st, you could face much higher premium costs since there are no limits on premiums outside the open enrollment period. After March 1 st, the next "open enrollment period is the month your child was born.

重要信息公佈

2011-02-02T23:04:00.000-08:00

重要信息公佈
*18歲以下的個人保險，保證通過審核的期為01/01/2011到03/01/2011
請提早申請
另外所有的個人保險都享有12個月不漲的固定保費
耆英保險
Medicare Supplement F plan (補充計劃) 2011年保費不漲

IMPORTANT INFORMATION FROM ANTHEM BLUE CROSS

2011-02-02T20:03:00.000-08:00

Individual

*Important!!
Child only open enrollment 11/1/11-3/1-11. If the child needs a GI enrollment

Smart Senses Plus, Clear Protection Plus, Core guard Plus and Lumenos HSA Plus plans now available!!
*All individual plans come with a 12 month rate guarantee!

Senior

*No rate increase for standardized F plan in 2011!! Special senour issue promo thorugh 12-1-2011 effective dates!.
*Anthem Blue Cross will accept new Medicare Supplement members without need for health history or underwriting.

活著就可以使用的人壽保險計劃

2011-01-20T08:43:00.000-08:00

目前在市面上提供的人壽保險，主要均為投保人以在去逝後嘉惠後人為壽險投保主要目的。「韓中芬保險事務所」為大家推薦一種活著就能使用的優質人壽保險：「生前利益五合一保險」。

保險專家韓中芬表示，傳統的人壽保險一般均可享有：人壽保險、絕症保險和退休儲蓄等三重保障。而Columbus Life人壽保險公司新提供的「生前利益五合一保險」計劃，除涵蓋上述三項固定福利以外，另外加送免費的「長期護理」和「大病保險」的生前理賠福利。投保者在生前就可領取到理賠金，以供長期護理及重大疾病費用之所需。

長期護理是指 – 在日常生活中：洗浴、穿衣、進食、上洗手間、移動、失禁等行為，因為意外、疾病、年老而造成以上兩個項目無法獨立完成，即符合生前理賠。大病保險是指：中風、心臟病發、癱瘓、腎衰竭、器官移植、癌症和肌肉萎縮等等。只要有任何一種重病、即符合生前理賠。

韓中芬保險事務所指出，「Columbus Life保險公司」人壽保險有幾項有利特點：
(1)Columbus Life有兩種保單可選。一種是有指數回收利息的保單：這種保單有機會增加Cash Value的成長。另一種是有保證理賠的選擇：可去除因利率變化所產生不確定的因素。
(2)受保人在生病時，就可預知理賠的金額，不需經過Underwriting 來決定理賠金的多少。
(3)當生病理賠金領完後，保單仍有死亡理賠的福利可支持將近十五年。
(4)對有些身體狀況，如：有控制住的糖尿病等有特別的優惠。

俗語說：未雨愁繆。在不幸病危時，人人都希望能得到最週全的照顧，又不增加家人額外的負擔。一但我們自己或家人病危時，家庭支出定會突然增加、收入減少。如果沒有一份生前就可享用的保險賠償金，將很可能耗盡個人一生的積蓄，或變賣光您的資產。投保Columbus Life的五合一生前利益保險，可保障您人生的每一個階段，讓您未來的生活得到萬全的保障。

想多瞭解「生前利益五合一保險」 - 一份活著就可以使用的人壽保險計劃，請電韓中芬保險事務所韓中芬 ( JOAN CHANG)，電：510- 573- 6888 傳真：510-438-9047 CELL: 510-579-9534，E-mail： Joan@e-healthagent.com，網址：WWW.e-healthagent.com。

2010年3月23日法案頒布/ Upon enactment March 23, 2010

2010-11-15T18:43:00.000-08:00

2010年3月23日法案頒布/ Upon enactment March 23, 2010
自動投保流程- 員工人數超過200人的雇主，必須在任何新進全職員工符合承保資格時，盡快未其投保，而員工不得選擇不參加承保。Automatic enrollment* process - Employers with more than 200 employees must
automatically enroll all new full-time employees as soon as they are eligible for
coverage, and employees may opt out of coverage.

2010年3月23日法案頒布後90天/ 90 days following enactment on March 23, 2010

•退休人員暫時再保方案/Temporary retiree reinsurance program
•高分險分攤/High risk pool

2010年9月23日當天或之後/ On or after September 23, 2010　

成人子女承保上限為26歲/Adult children coverage to age 26
年度上限僅適用非基本福利(待定義)/Annual limits only allowed on non-essential benefits (to be defined)
基本福利不得規定終身上線/No lifetime limits on essential benefits
不得有未滿19歲計畫參加者的寄有病況排除規定/ No pre-existing condition exclusions for enrollees under age 19
不得撤銷承保（主要針對個人承保及小型團體承保）No rescissions (primarily individual and small group coverage)
特定預防照護享有全額承保/ First dollar coverage for certain defined preventive care**
須有外部上訴流程/ External appeal process required**
不歧視規則擴大適用於被保計畫/ Non-discrimination rules extended to insured plans**
急診服務不需事先授權/ 視為網絡內治療/Emergency services without prior authorization/treated as in-network**
可選擇子女的小兒科醫師為其主治醫師/ Child's pediatrician may be chosen as the primary care physician**
女性可選擇其產科/婦科醫師，不需轉介或事先授權/A woman can choose her OB-GYN without referral or preauthorization**

2011年1月1日/ January 1, 2011

• 除非是醫師開立處方，否則不透過FSA補償非處方藥費用/No reimbursement through the FSA for over-the-counter drugs unless prescribed
• W-2表格申報福利價值 (適用與2011繳稅年度相關且於2102發給的W-2表格)/ Form W-2 reporting of value of benefits (for W-2 issued in January 2012 with
respect to tax year 2011)
• 提高非醫療HSA提款的罰則(從20% 調升為30%)/Increased penalty for non-medical HSA withdrawals (from 20 to 30 percent)

2012年3月23日/ March 23, 2012

• 統一的承保說明/ Uniform explanation of coverage

• 寄發篇幅為四頁的投保前承保說明文件，概述說明福利和排除規定/ 4 page pre-enrollment coverage document sent outlining benefits and exclusions
• 重大修改前60天的通知/60-day notice in advance of material modifications

2013年1月1日/ March 1, 2013

提升高所得者的Medicare稅/ Medicare tax increase for high-earners
退銷人員要物補助無減免/ No deduction for retiree drug subsidy
薪資扣除健保FSA提撥最高限額(上限為美金2500元)/ Cap on salary reduction health FSA contributions ($2,500 limit)
比較效益費(於2012年11月30日後終止的保單年度)/ Comparative effectiveness fee (policy years ending after November 30, 2012)

2013年3月1日/ March 1, 2013

• 有關保險交易機構的雇主通知/ Employer notification regarding exchanges

2014年1月1日/ January 1, 2014

各州設置的保險交易機構/ State-based exchanges
投機者罰款/Free rider penalty
禁止規定既有病況排除項目/No pre-existing condition exclusions
雇主承保證明/ Employer certification of coverage
提高保健方案獎勵(從20% to 30%)/ Increased wellness program incentives (from 20% to 30%)
個人強制險/Individual mandate
自由選擇憑證/ Free choice vouchers
禁止規定年度上限/ No annual limits
對危及生命疾病的臨床試驗必須提供承保/ Required coverage for clinical trials for life-threatening diseases
等待期間最長90天/90-day limit on waiting periods
退休人員再保方案終止(如尚有剩餘資金)Retiree reinsurance program ends if money has not already run out

為什麼要買人壽保險？

2010-10-14T16:54:00.000-07:00

親愛的朋友:

上個月，一通來自康州的電話讓我難過了好久，一位年輕時跟我一起住在康州，與我年紀相仿的朋友突然腦溢血驟逝，震驚的同時也讓我重新思考了人生的意義。俗話說，"天有不測風雲，人有旦夕禍福" "不怕一萬，只怕萬一"，我們生活在世界上，除了健康問題之外，有太多意料之外的事情可能隨時發生，威脅到我們的生命安全，可能讓我們家人的生活失去保障。

因為做保險的關係，常常有朋友打電話來問我，要買怎樣的人壽保險才能保障家人的生活，經過這次事件，我越來越體認到人壽保險的重要，也花時間研究了市面上的許多人壽保險方案，其中一項人壽保險，R.O.P Term價格合理，且最快10年後還可以領回所有保費，便宜又有保障，所以推薦身邊的朋友購買，希望朋友及家人在面對意外事件的時候，能夠有足夠的財務保障。

意外不可預知，如果您還沒有人壽保險，希望自己更有保障，請盡早購買，因為越早購買保費越便宜，買了就有保障，未來也可以越早拿回所有繳出去的保費，如果還是有疑問，請跟我聯絡，我將盡力協助您！

我的e-mail 是: joan@e-healthagent.com ，電話是：510-573-6888 (台國語皆可)

祝　身體健康事業順利

韓中芬 Joan Chang

Medicare 聯邦老年醫療保險計畫 2011 年申請準備要開始了!

2010-10-08T15:30:00.000-07:00

Dear Friends:

My name is Joan.
If you are over 65 years old,I can help you with Medicare supplement.
Please give me a call you need help!

Office TEL: 510-573-6888 e-mail: joan@e-healthagent.com

各位華人耆英:

我是醫療保險顧問韓中芬，又到了一年一度申請Medicare的時間, 2011年的Medicare申請時間是11月15日至12月31日，如果您已經年滿六十五歲，已經有Part A及Part B，想要更好的醫療保障，您可以找我申請Part C及Part D及其他更好的Medicare保險。

因為Part A及Part B保障範圍有限，並不包含長期照護. 牙醫. 中醫. 聽力醫療等範圍，我強烈建議您購買更有保障的Part C及Part D，可獲得處方藥. 特殊慢性病. 糖尿病. 心臟病. 新血管疾病等保障, 如果您想了解自己居住地區今年的保費金額，或對Medicare保險相關問題(包含醫療保障額, 藥物補助)有疑問，請跟我聯絡，我將盡力協助您！

我的e-mail 是: joan@e-healthagent.com ，電話是：510-573-6888 (台國語皆可)

祝　健康快樂

韓中芬 Joan Chang

PS. 如果您不瞭解 Losing PFFS, Medicare Supplement, Freedom Blue, 0 Premium, Medicare Advantage, medicare solutions 及 Medicare Plans或其他與Medicare相關的名詞,我也很樂意幫您解說!

HEALTH REFORM 健保新計劃

2010-08-07T09:49:00.000-07:00

健保新規定計劃

從2010年9月23日起個人健保公司必需照著健保新規定走

*不滿26周歲的子女,不論是否全職學生或者結婚與否,都可以和父母一起申請家庭健保計畫.這樣可以省保費.

*健康保險投保額不設上限.

*從2010年3月23日後投保者,至2011年1月1日,可以享受免費健康檢查, 包括:驗血,預防針,大腸鏡(須滿50歲)等等.尚未投保者,應該趕快加入.

*目前健保公司舊計畫,只能投保最遲到2010年9月22日.23日起,各健保公司將推出新計畫,以符合健保改革的新規定.可是保費及投保內容可能有變.所以,請各位朋友把握機會,從今天到9月22日前趕快投保最低保費之計畫,以便在2011年1月1日前做免費的健康檢查.

Health Reform

2010-08-07T09:32:00.000-07:00

Latest news and updates link https://www.blueshieldca.com/producer/news/health-reform/home.jhtml

Extension of dependent coverage until age 26
Reinsurance for early retiree plans
New rules for enrollees with pre-existing conditions
Changes to lifetime or annual limits on "essential health benefits"
Coverage of preventive health services
Health & Human Services (HHS) consumer website launches
New rescission rules
Details on "grandfathered" health plans

Detail for Extension of dependent coverage until age 26
Extension of dependent coverage until age 26 As part of the new federal health reform law, dependents have the option of staying on their parents’ group or family health plan until age 26, regardless of student, residency, employment or marital status. Prior to the new legislation, health plans commonly imposed an age limit of 23 years old for dependents who were full-time students and 19 years old for dependents who were not full-time students.The law states that this new provision must go into effect on September 23, 2010 for group plans and January 1, 2011 for individual and family plans. However, Blue Shield of California chose to implement this provision early for its members. On June 1, 2010, Blue Shield began allowing dependents who would have previously "aged-off" of their parents’ plan to remain on that plan regardless of student status, up to age 26. Dependents who reached 26 years of age on or before May 31, 2010 or were dis-enrolled because of their student status, may re-enroll when their parents re-enroll at open enrollment for an effective date on or after the September 23, 2010 or their parents renew their individual plan effective January 1, 2011 . For ASO and custom groups, this maximum age may vary by contract, but may only be higher than 26.The only eligibility requirement, other than age, is that the dependent must be a child of the covered parent. For example:Subscriber enrolled through his/her employer: A son turned 23 years old in May 2010 and was dis-enrolled from his parent’s plan. The son may now re-enroll on his parent’s plan at the next plan renewal on or after September 23, 2010 (in this scenario, May 2011).Subscriber enrolled through an Individual and Family Plan (IFP): A son turned 23 years old in May 2010 and was dis-enrolled from his parent’s plan. The son may now re-enroll on his parent’s plan on January 1, 2011. NOTE: for an IFP plan, any dependents that "aged-off" only have a 30-day time period from January 1, 2011 through January 31, 2011 to re-enroll. Once this time period is completed, normal Blue Shield of California Underwriting policies will be enforced.Remind groups of the option to re-enroll dependents up to age 26Group members will be allowed to re-enroll covered dependents up to age 26 for any renewals on or after October 1, 2010. Members must act fast since re-enrollment is not automatic. Please remind your clients when you are talking about renewals. Blue Shield will be providing groups with a sample notices to be given to their employees at open enrollment.

Michelle Chang Graduated

2010-06-01T20:51:00.000-07:00

Graduate Dean's List Award

Congratulation Michelle.

恭喜佳雯得到最佳優良畢業生獎

我們以妳為榮

Anthem Blue Cross藍十字將新推出兩項保費低廉醫療保險計畫

2010-02-24T21:47:00.000-08:00

專業保險經紀韓中芬Joan Chang 與藍十字區域行銷經理 Patrick Houghton 熱忱為各界提供健保服務

保費年年上漲，正值許多人失業，保費昂貴要實在令人無法負擔！這是很多保險人現在所面臨的問題。『韓中芬保險事務所』特別介紹兩項Anthem Blue Cross藍十字新推出的保險優惠計畫包括 ” Clear Protection “ and “ Core Guard “對保費負擔沉重著，將有相當助益。

Clear Protection – 保費低廉並可享有每年前二次門診只需 $40 掛號費 / 無需扣除額的優惠承保六個月之後，年度健康檢查只需付 $25或 $75無需扣除額但要到Anthem Blue Cross 的特約檢查中心，若是選擇$3,300和 $5,000的扣除額，投保人將享有二年鎖定保費的優惠。

Core Guard – 保費相當低，是專門為只想保預防重大疾病的緊急事故的人所設計。保險人在付滿扣除額之後將負擔50% 的醫療費用，直到付滿年度最高自付額這項計畫扣除額的選擇$750 $1500 $2500 提供多種 $3,500 、 $5,000 、$7,500 。

親愛的朋友！若是面臨保費上漲又不知該如何選擇保險計畫，請致電來510-573-6888 JC Health Insurance Service 我們將為您找到一個又實惠又理想的保險計畫。同時可上網直接申請。
www.e-healthagent.com click on quote ( start now )
另外從4月1日起，Anthem Blue Cross藍十字將新推出更優惠，涵蓋周全的『Premier 』醫療保險計畫，歡迎洽詢。

NEW PLAN from Anthem Blue Cross ClearProtection

2010-02-05T20:39:00.000-08:00

Anthem Blue Cross have a new plan call CLEARPROTECTION

This plan offers a valuable combination of affordable coverage with some immediate benefits, plus a broad range of benefits once the out-or-pocket maximum is met.

If you're looking for a lower-cost plan with immediate coverage for some doctors visits and long-term coverage for other benefits you may need, ClearProtection could be the right plan for you. ClearProtection offers three deductibles and moderate cost-sharing helps lower your monthly premiums. Prescription drug coverage is included, with varying levels of copay or coinsurance depending on the particular drug. Maternity benefits are not included with this plan. ClearProtedction offers up to $4 million per member in lifetime benefits.

終生保証收入年金

2010-01-29T23:33:00.000-08:00

韓中芬保險團隊Ann Fang; Joan Chang; Carol Chao熱誠為您服務

終生保証收入年金

您想過悠閒的退休生活嗎？

您希望擁有一份能提供較高利率的年金卻又不必承擔風險嗎？
韓中芬保險事務所教您如何建立一份終生保証收入年金。

該公司特別推薦一種可終生領取保証年金的『個人退休終生年金計劃』，有：零風險、本金保值、終生保証收入及累積複利可延稅的多種優點，歡迎詢詳。

經驗豐富的保險專業經紀人韓中芬表示，『個人退休終生年金計劃』好處良多：

1.保本Principal Guaranteed：在金融衰退、危機股市及各種負面因素如何都不影響您原有的本金。

2.紅利Bonus高達20%：加入年金計劃，依參加年金計劃的種類，立既分派紅利從5%到20%，本金立既增值，如本金100,000元，立既增值為120,000元

3. Profits Locked in: 100%年金加上紅利、累積複利等等多重增值福利。

4.﹝1﹞ 終生保証收入Guaranteed Lifetime Income: 本金加上紅利及S&P 500;NASDA 100 等所產生的指數百分比計算的收益，均為終生保証的收入。

韓中芬保險團隊熱誠為您服務；同時代理多種適合各種年齡的保險計劃。
詳細內容可電510-573-6888或手機510-579-9534，網站：http://www.e-healthagent.com/, 可直接上網申請『國際學生保險』及『健康保險』『人壽保險』
也可e-mail: joan@e-healthagent.com or chungfen@comcast.net查詢相關資訊。

好友們

2010-01-10T21:29:00.000-08:00

李昌鈺教授Dr. Henry Lee

2010-01-10T10:20:00.000-08:00

Re-union with Dr. Lee (right) at JAACUC 01/09/2010

非常高興能在加州碰見李教授，老師還是跟1988年一樣沒什麼變，我們呢？胖了也老了些。自從我先生Bill Chang畢業離開康州至今都沒有機會與老師會面，今日相見，老師幾乎不記得我們了。不知道師母是否還記得？
祝李教授全家安康
晚
張純浩&韓中芬

Women's Workshop 媽媽教室

2010-01-05T05:56:00.000-08:00

南灣華僑文教中心在1月8日有一場命理講座，我很有興趣聽一聽因為最近犯小人‧
你呢？
朋友們你們一定不相信竟然有人扯韓中芬後腿。實在太沒水準了，像我這樣的小Agent. 竟然看不得我登報做廣告還扯我後腿說這個不能登那個也不能登‧奇怪了有一些Agent登了沒事為何我不行。現在知道了為什麼
因為我不是小人是Women。哈哈哈一定要禱告在禱告才不會覺得受欺負，感謝上帝有人提醒‧
魔鬼就在左右不可犯錯禱告在禱告不可陷入圈套。Thanks God, becuase you I am OK.
在此謝謝高玉麗姊給了我2010年的媽媽教室冬季班課程表.可問老師該如何才不會犯小人‧
期待星期五的相會。不知道可有朋友想參加我們可以Carpool. Call me I will drive.
HI, Friend, e-mail me back, so that we can carpool.
HAPPY NEW YEAR.

HAPPY NEW YEAR 新年快樂！

2009-12-31T15:29:00.000-08:00

Only Eight hours left in 2009.
2010 is around the corner. :) HAPPY NEW YEAR.
I am thinking about how to make 2010 a better year than 2009. The new year is a great time to review the past and plan for the future. What was achieved in 2009 AND what is your new years resolution? I am thinking about More Online businessses for Health Insurance and to lose weight. What is yours? Working Harder and making more money?
Anyway, HAPPY NEW YEAR.
Happy New Year!!!!
Happy New Year!!!!
祝
新年快樂！
Joan Chang
韓中芬

Discount Drug Plan

2009-12-22T23:14:00.000-08:00

http://www.californiarxcard.com/index.php

Discount Drug plan
Hope this helps.

Merry Christmas and Happy New Year!

Part D information

2009-12-22T23:01:00.000-08:00

Medicare Prescription Drug Plans in Northern CA.

ANTHEM BLUE CROSS
Blue Cross MedicareRx Standard ( PDP) $28.40 a month; $310 Annual Deductible
Blud Cross MedicareRx Plus ( PDP) $42.10 a month; $0 Deductible
Blue Cross MedicareRx Gold (PDP) $78.50 a month; $0 Deductible

BLUE SHIELD OF CA
Blue Shield Medicare Rx Plan (PDP) $46.40 a month; $310 Annual Deductible
Blue Shield Medicare Rx Enhanced Plan (PDP) $51.00 a month; $0 Deductible

HEALTH NET
Health net Orange Option 1 (PDP) $28.40 a month; $310 Annual Deductible
Health Net Orange Iption 2 (PDP) $64.60 a month; $0 Deductible

UnitedHealthcare
AARP MedicareRx Saver (PDP) $37.30 a month; $310 Annual Deductible
AARP MedicareRx Preferred (PDP) $37.60 a month; $0 Deductible
AARP MedicareRx Enhanced (PDP) $86.20 a month; $0 Deductible

2009-12-11T21:36:00.001-08:00

各取所需

2009-12-11T21:11:00.000-08:00

自從11月15日耆英保險轉換期開始至今已有許多客戶問同樣的問題. 真的不要月費嗎?

是的$0月費

在舊金山地區$0月費的有以下公司-Anthem Blue Cross 及AARP/MedicareComplete by SecureHorizons
這兩家公司都是很好的Insurance Company 詳情請打電話給 韓中芬. 我一定可以幫助您

以下是各公司的價錢表及資料在舊金山地區
Freedom Blue Plan I $0 月費
Primary care Visit $15; Specialist Visit $35; Ambulance Service $175; Deductible $500 including Drug plan
AARP/MedicareComplete $0 月費
Primary Care Visit $5; Specialist Visit $10; Ambulance Service $150; NO Deductible including Drug plan
Health Net Healthy Heart Plan $79月費
Primary Care Visit $10; Specialist Visit $10; Ambulance Service $180; NO Deductible including Drug plan

以下是各公司的價錢表及資料在Alameda County 地區
Freedom Blue Plan I $0 月費
Primary care Visit $15; Specialist Visit $35; Ambulance Service $175; Deductible $500 including Drug plan
AARP/MedicareComplete $75月費
Primary Care Visit $10; Specialist Visit $15; Ambulance Service $150; NO Deductible including Drug plan
Health Net Healthy Heart Plan $129月費
Primary Care Visit $10; Specialist Visit $20; Ambulance Service $180; NO Deductible including Drug plan

當您知道詳情之後該如何選擇呢?
目前我只能做這三家保險如您有意想換可再12月31日以前轉換
打電話給 韓中芬
JC Health Insurance Services
www.e-healthagent.com

Tel: (510) 573-6888
Fax: (510) 438-9047
Cell: (510) 579-9534

The Day in Walmart

2009-11-21T23:02:00.000-08:00

Thanks Anthem Blue Cross provide me the chance to present the Medicare product at Walmart.

One of our new friend Walter came by and asking the Part D plan. Follwings are the plan informations,

1. Blue Cross MedicareRx Standard (PDP) $28.40 monthly premium $310 in-Network yearly Deductible.

2. Blue Cross MedicareRx Plus ( PDP) $42.10 monthly premium $0 in-network deductible

3. Blue Cross MedicareRx Gold ( PDP) $78.50 monthly premium $0 in-network deductible

information please visit the web: www.medicarerx.anthem.com

Here is also the AARP/MedicareRx plans insured through UnitedHealthcare,

1. AARP MedicareRx Saver (PDP) $37.30 monthly premium $310 annual deductible

2. AARP MedicareRx Preferred ( PDP) $37.60 monthly premium $0 annual deductible

3. AARP MedicareRx Enhanced (PDP) $86.20 monthly premium $0 annual deductible

information please visit the web: www.AARPMedicareRx.com/BR

Pacific Guardian LifeAccumulator 7儲值保險計畫

2009-10-21T13:32:00.000-07:00

韓中芬保險事務所推薦「Accumulator 7儲值保險計畫」終身受惠保險服務項目廣泛、經驗豐富的「韓中芬保險事務所」，目前為灣區僑胞推薦一項由「保泰安人壽保險公司Pacific Guardian Life」提供、相當優惠的終身人壽保險計畫－－「Accumulator 7儲值保險計畫」，該計畫繳滿七年保費後終身受保，非常划算，歡迎詢詳。韓中芬保險公司專業保險經紀人(Broker)韓中芬，擁有多項保險執照，思慮敏銳，專精各大型保險公司所提供新的優惠保險計畫，包括有：住家、醫療、商業、汽車、人壽、餐館等各種優質保險服務。該公司並擅長評估每個人或公司不同的實際條件，來挑選最適當的保險計畫，倍受各界肯定。保泰安人壽保險公司亞裔部市場經理Angela表示，「保泰安人壽保險公司Pacific Guardian Life」係明冶人壽集團的子公司，是A.M. Best評等為A的優等公司，財力堅實。韓中芬則指出，保泰安人壽保險公司所提供的「Accumulator 7儲值保險計劃」，條款優惠、實在，只需繳七年保費，則可終身投保，保障至121歲止，並有現金儲蓄、保額累增的功能，好處相當多，歡迎各界選用或詢問細節。韓中芬保險事務所服務電話510-573-6888，手機510-579-9534，亦歡迎上網站www.e-healthagent.com查看各項保險優惠。

2010 Freedom Blue Plan I (RPPO) $0 月費

2009-10-13T22:55:00.000-07:00

請找韓中芬，我們有專業的服務。
韓中芬同時也代理其他家保險計劃
Blue Cross's Medicare Advantage $0 月費.
11/15/09 開始申請
2010 Freedom Blue Plan I (RPPO) $0 月費包括藥including part D Prescription drug Coverage.
請大家多多利用。
謝謝
TEL: 510-573-6888
Cell: 510-579-9534
Fax: 510-438-9047

2010 Medicare Advantage $0 月費

2009-10-13T22:52:00.000-07:00

2010 MEDCARE ADVANTAGE
2010 Freedom Blue Plan I (RPPO) $0 月費
2010 Freedom Blue Plus (RPPO) $31月費
2010 Freedom Blue Classic (RPPO) $0月費

Primary Care Physician Visits 醫生看診
Plan I $15
Plus $10
Classic $15
Physician Specialist Visits 專科醫生看診
Plan I $25
Plus $25
Classic $30
Lab X-Ray-Professional Setting 專業服務醫療檢驗
Plan I $15
Plus $10
Classic $10
X 光檢驗
Plan I $25
Plus $25
Classic $30

Annual Plan Deductible 年度扣除額 $500
Policy annual Maximum out of pocket 最高年度自付扣除額 $3,350

AARP耆英健保計劃及 Part D 藥物保險

2009-09-30T21:17:00.000-07:00

耆英健保計劃及 Part D 藥物保險　
AARP Medicare Supplement &
AARP/MedicareComplete from SecureHorizons
自11月15日到12月31日一年一度的老人耆英健保及藥物保險Part D新換期. 時間有限.
請打電話給韓中芬 510-573-6888
Part D藥物保險 from AARP/MedicarRx Plans

AARP MedicareRx Saver
AARP MedicareRx Preferred
AARP MedicareRx Enhanced
Monthly Premium
$33.50
$34.40
$81.60
Annual Deductible
$295
$0.00
$0.00
Tier 1 Copay
Tier 2 Copay
Tier 3 Copay
Specialty Tier
$5.00
$22.00
$51.65
25%
$7.00
$38.00
$84.65
33%
$7.00
$39.00
$95.00
33%

耆英健保計劃及 Part D 藥物保險　AAPR

2009-09-30T20:20:00.000-07:00

韓中芬健康保險事務所 JC HEALTH INSURANCE

2009-07-29T14:22:00.000-07:00

韓中芬健康保險事務所 JC HEALTH INSURANCE
JC Health Insurance Service in Fremont offers a great selection of insurance packages. Please call to find out more.
我們的使命在提供高品質的客戶服務。成為我們保險的客戶。您會有一個擁有豐富保險知識的專員隨侍在側。當您對您的保險計劃或是理賠等有問題，或是您想瞭解有關保險的複雜問題，我們的專業人士會在全程的每一步驟上幫助您。最低的保費我們提供何種類型的服務? 我們是一個全面性的保險經紀公司並且代理所有各類全面性的計劃，不論是您的家庭，個人和商業保險，我們會量身訂做適合您的計劃，我們的產品如下:汽車保險: 碰撞險，綜合險，玻璃損壞險，責任險，人體傷害險，醫療險，拖吊租車險，無保險碰撞險商業保險: 意外險，產物險以及一般的責任險健康保險: 個人及團體保險，傷殘，疾病和意外保險，住院保險和主要的醫療保險房屋保險: 火險，責任險，偷竊險和地震險人壽保險: 延稅退休年金，定期保險，多樣性人壽保險，和終身人壽保險勞工保險: 工作傷害保險

韓中芬保險事務所專業醫療保險

2009-07-25T21:54:00.000-07:00

韓中芬保險事務所專業醫療保險
July 18, 2009 08:54 PM

保險專家韓中芬Joan(左)與UnitedHealthCare健保公司亞裔部市場經理William Yu。
上周UnitedHealthCare健保公司所舉辦了健保計劃說明會，介紹了許多醫療保險方面的新知識，韓中芬保險事務所積極向僑胞推薦該公司所提供的涵蓋完整的UnitedHealthCare新健保計畫，及該計畫的諸多優點，期與大家共同分享。
韓中芬保險事務所專業保險經紀韓中芬指出，UHC公司保險的PPO Plan的驗血(Lab.)及照X光 (X Ray) 的費用是不用算在扣除額內的，這點對廣大員工來說是最好的。因為做過體檢的人士都瞭解，大部分保險公司的醫療保險計畫，對於檢驗室及照X光費用，均計算到個人扣除額部份，需自行負擔。UHC公司雖然保費略多些，但物超所值。
另外，特別有關Medicare方面的醫療保險：Secure Horizon by United Health Care零月費，只要您繼續持有Part B保險，即可享有更多保障，可預算的自付額，可自由選擇醫生和醫院 (衹要該醫生或醫院接受這項計畫)。
關於UHC保險公司小團體保險或Medicare Advantage (老人保險)醫療計劃的更多優細節，可電韓中芬Joan Chang510-573-6888，網站：www.e-healthagent.com；e-mail：joan@e-healthagent.com。

SecureHorizons $0 Monthly Health Plan by UnitedHealthcare

2009-07-12T18:50:00.000-07:00

Picture is William Yu with me in the meeting.

OUR PLAN OFFERS:

* $0 monthly health plan premium available when you continue to pay your Part B premium.

*More coverage than Original Medicare, with predictable copays for doctor and hospital visits and no deductibles.

* Freedom to see any doctor or hospital that accepts the plan's terms and conditions.

* Part D covreage for thousands of brand name and generic prescription drugs.

* More than 60,000 local and national pharmacies that accept our prescription drug plan.

* An annual medical out-of-pocket maximum helps you budget for your health care expenses.

* No networks to navigate or referrals to obtain when you seek treatment.

* 24-hour NurseLine services.

Picture is William Yu with me in the meeting.

2009 Medicare premium rate & coinsurance

2009-07-10T15:20:00.000-07:00

Medicare Premiums for 2009:
Part A: (Hospital Insurance) Premium
Most people do not pay a monthly Part A premium because they or a spouse has 40 or more quarters of Medicare-covered employment.
The Part A premium is $244.00 per month for people having 30-39 quarters of Medicare-covered employment.
The Part A premium is $443.00 per month for people who are not otherwise eligible for premium-free hospital insurance and have less than 30 quarters of Medicare-covered employment.
Part B: (Medical Insurance) Premium
$96.40 per month*
Medicare Deductible and Coinsurance Amounts for 2009:
Part A: (pays for inpatient hospital, skilled nursing facility, and some home health care) For each benefit period Medicare pays all covered costs except the Medicare Part A deductible (2009 = $1,068) during the first 60 days and coinsurance amounts for hospital stays that last beyond 60 days and no more than 150 days.
For each benefit period you pay:
A total of $1,068 for a hospital stay of 1-60 days.
$267 per day for days 61-90 of a hospital stay.
$534 per day for days 91-150 of a hospital stay (Lifetime Reserve Days).
All costs for each day beyond 150 days
Skilled Nursing Facility Coinsurance
$133.50 per day for days 21 through 100 each benefit period.
Part B: (covers Medicare eligible physician services, outpatient hospital services, certain home health services, durable medical equipment)
$135.00 per year. (Note: You pay 20% of the Medicare-approved amount for services after you meet the $135.00 deductible.)
Additional information about the Medicare premiums, deductibles, and coinsurance rates for 2009 is available in the September 19, 2008 Fact Sheet titled, "CMS Announces Medicare Premiums, Deductibles for 2009" on the http://www.medicare.gov/Library/ExternalSiteRedirector.asp?Language=English&URLPath=http://www.cms.hhs.gov/ website.
*Note: If your income is above $85,000 (single) or $170,000 (married couple), then your Medicare Part B premium may be higher than $96.40 per month. For additional details, see our FAQ titled: " Medicare Part B Monthly Premiums in 2009"

UnitedHealthcare Small Group & SecureHorizons meeting

2009-07-10T08:07:00.000-07:00

I am grateful that I had joined today's meeting that hosted by UnitedHealthcare. It remind me that the premium is not the only criteria in chosing a right medical insurance plan, product quality and coverage are important as well.

Most of my customer are based on the premium to make their decision in purchasing health insurance, today, I would like to show to them the importance of a product quaulity.

For example, when you do the Lab or Xray with a UnitedHealthcase PPO plan there is no deductible, the Rehab services is covered by the co-pay, whic with other types of plan might had cost you. Moreover, there are NO balance billing for ER, Anesthesiology pathology and all other services.

UnitedHealthcare also introduce to us the SecureHorizons plan, which is $0 monthly premium HealthPlan for Senior ($0 monthly health plan premium available when you continue to pay your Part B premium ).

Thank you Rachel for this good news for us.

韓中芬保險事務所母親節遊園會

2009-07-06T22:19:00.000-07:00

韓中芬保險事務所
May 07, 2009 10:13 PM 102 觀看次數 0 0

韓中芬保險專家熱心為您服務。
「韓中芬保險事務所」於本周六、日(5月9、10日)參加世界日報所舉辦的母親節遊園會，攤位：M27，現場可以立即提供各種保險估價，以及免費參加抽獎大贈送活動，獎品包括：精美禮物及咖啡店禮券，歡迎蒞臨同樂、歡慶母親佳節。
該事務所專業保險專家韓中芬，特別推薦一種優惠的留美學生醫療保險計劃，可瀏覽 www.e-healthagent.com (中文)或www.joanchangins.net (英文)網站查看各種詳細、實用的保險資訊，也可在該網上購買自己想要的保險，省錢、簡單又方便。
「韓中芬保險事務」服務灣區逾十年，保險業務涵蓋廣泛，包括：人壽保險、個人健康保險、團體健康保險、汽車保險、房屋保險、團體健康保險、勞工保險、商業保險等等，並代理多家著名大型保險公司之投保業務，如：藍十字、藍盾、健康網、凱薩、聯合保險等，可代客戶迅速尋找到最適合的保險計劃。
如有各項保險問題或疑慮，可電510-573-6888，傳真：510-438-9047，通訊地址：P.O. Box 3566, Fremont CA 94539。

(2/17/09) 美國美國復甦與再投資法ARRA 可補助或延長您失業時的COBRA福利

2009-07-06T19:12:00.000-07:00

失業的員工，雖然可以繼續購買前公司的健康保險COBRA或Cal-COBRA，但是員工得完全自行支付保險費，雇主不再分擔，因此COBRA健康保險成為失業員工一項沉重的負擔。

好消息是，2009年2月17日奧巴馬總統簽署了美國美國復甦與再投資法(ARRA) ，其中包含了一項新的COBRA補助計劃，此計劃適用於65歲以下的失業員工。

新條款對於選擇COBRA健保的人提供以下改善的補助計畫: (1)從2008年9月1日到2009年12月31日之間失業的員工，在前9個月COBRA保費可享有65%的政府補助；(2)原先在離職60天內必須選擇加入或不加入COBRA的期限，現在已延長至120天；(3)假如因為60天內沒付保險費而失去COBRA保險，將可以有第二個60天的期限，選擇從新加入COBRA健保。

如您需要以上關於新的COBRA保險福利或相關健康保險，歡迎隨時洽詢灣區專業健康保險經紀人韓中芬。電話510-573-6888或請上e-healthagent.com

韓中芬為你找到適合的保險

2009-07-06T18:12:00.000-07:00

您最近準備到加州來留學？或已在美留學？弄不清楚如何投保醫療保險？「韓中芬保險事務所」特別推薦一種優惠的「留美學生醫療保險」計劃。可瀏覽「韓中芬保險事務所」網站http://plog.ipobar.com/insurance(中文)或www.joanchangins.net(英文)查看各種詳細、實用的保險資訊，亦可在該網上購買自己想要的保險，省錢、簡單又方便。

美國政府規定，留學生入學時需要購買醫療保險，該費用通常會包括在學校的學費跟生活費裡面，但是這種保險通常有一定的理賠範圍和理賠限額，有些疾病可能將無法獲得理賠。另外加買保障更完整的「留美學生醫療保險」(Study USA-HealthCare Insurance)計畫，提供疾病與意外傷害醫療費用保險，是涵蓋更周全的保障！此項醫療保險保費特廉：年齡24歲以內，每月39元起。適用於：(1)外國學生來美留學；(2)在美國註冊的學生到美國以外的國家留學。

「韓中芬保險事務所」服務灣區逾10年，保險業務涵蓋廣泛，包括：人壽保險、個人健康保險、汽車保險、房屋保險、團體健康保險、勞工保險、商業保險等等，該事務所代理多家著名大型保險公司之投保業務，如：藍十字、藍盾、健康網、凱薩、聯合保險等，可代客戶迅速尋找到最適合的保險計畫。

如果您已經在美國加州留學，對自己的保險有疑問，或有其他相關問題，可直接電話連絡：510-573-6888，傳真：510-438-9047，通訊地址：P.O. Box 3566, Fremont, CA 94539。